Share Price and Basic Stock Data
Last Updated: January 8, 2026, 5:27 pm
| PEG Ratio | 0.48 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
DCB Bank Ltd operates within the private sector banking industry and reported a stock price of ₹182 with a market capitalization of ₹5,872 Cr. Over the past year, the bank has demonstrated a strong upward trend in revenue, with figures rising from ₹1,000 Cr in September 2022 to ₹1,306 Cr in September 2023, representing a year-on-year growth of 30.6%. This trend is expected to continue, as revenue is projected to reach ₹1,742 Cr by March 2025. The bank’s interest income has also seen significant growth, increasing from ₹589 Cr in September 2022 to ₹830 Cr in September 2023. This consistent uptick in revenues is indicative of robust operational performance and effective customer acquisition strategies. The quarterly revenue growth reflects an increasing customer base and enhanced service offerings, which are critical in a competitive banking landscape.
Profitability and Efficiency Metrics
DCB Bank’s profitability metrics present a mixed picture. The bank’s net profit for the year ending March 2023 stood at ₹466 Cr, and it is projected to rise to ₹615 Cr by March 2025. The earnings per share (EPS) reflected an upward trajectory, increasing from ₹14.95 in March 2023 to ₹19.58 in March 2025. However, the return on equity (ROE) has remained stable, reported at 11.4% currently, which is slightly below the typical sector average of around 12-15%. The bank’s net profit margin was recorded at 9.50% for March 2025, aligning closely with sector averages. Additionally, the cost to income ratio stood at 63.70%, indicating relatively efficient operations but leaving room for improvement compared to lower ratios in leading banks. Overall, while profitability is on the rise, efficiency metrics suggest a need for strategic initiatives to optimize operational costs.
Balance Sheet Strength and Financial Ratios
DCB Bank’s balance sheet reflects a solid financial foundation with total assets reported at ₹76,810 Cr as of March 2025, an increase from ₹52,366 Cr in March 2023. The bank’s reserves have also strengthened, increasing to ₹5,654 Cr by September 2025. The bank’s borrowings stood at ₹9,115 Cr in March 2025, reflecting a strategic approach to leverage funds for growth. The price to book value ratio is reported at 0.65, indicating that the bank’s shares are trading below their intrinsic value, which could present a buying opportunity for investors. Furthermore, the net interest margin of 2.74x is slightly lower than the sectoral average of around 3.0x, suggesting that while the bank is generating interest income effectively, there is potential for improvement in interest rate management. Overall, the balance sheet exhibits strength, but attention to borrowing costs could enhance profitability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of DCB Bank demonstrates a diverse ownership structure, with promoters holding 14.66%, foreign institutional investors (FIIs) at 10.49%, domestic institutional investors (DIIs) at 31.93%, and the public holding 42.91%. The number of shareholders has increased to 2,04,998 as of September 2025, reflecting growing investor interest and confidence in the bank’s future prospects. The gradual decline in promoter holding from 14.85% in December 2022 to 14.66% in September 2025 may indicate a dilution of control, but the stable institutional and public ownership suggests confidence in the bank’s operational strategies. The DII percentage has increased from 39.38% in December 2022, indicating strong institutional support, which is a positive sign for long-term stability. This diverse ownership base can be seen as a strength, providing a buffer against market volatility.
Outlook, Risks, and Final Insight
Looking ahead, DCB Bank is well-positioned for growth, driven by strong revenue trends and increasing operational efficiency. However, risks remain, including potential increases in non-performing assets (NPAs), which stood at 3.36% in September 2023, and could affect profitability if not managed effectively. Additionally, the bank’s reliance on borrowings, which rose to ₹9,115 Cr, poses a risk if interest rates rise. In a scenario where economic conditions remain stable, DCB Bank could see continued revenue growth and improved profitability metrics. Conversely, if economic challenges arise or if NPAs increase significantly, the bank’s financial health could be adversely impacted. Overall, while the outlook is positive, careful monitoring of asset quality and borrowing costs will be crucial to sustaining growth and profitability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,031 Cr. | 244 | 339/180 | 25.3 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,329 Cr. | 25.8 | 39.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,206 Cr. | 265 | 331/249 | 8.92 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,293 Cr. | 22.7 | 24.3/16.0 | 25.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,244 Cr. | 58.0 | 60.2/30.8 | 27.0 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,661.74 Cr | 424.34 | 18.72 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,000 | 1,072 | 1,179 | 1,238 | 1,306 | 1,374 | 1,445 | 1,489 | 1,568 | 1,671 | 1,742 | 1,814 | 1,823 |
| Interest | 589 | 626 | 693 | 767 | 830 | 900 | 937 | 993 | 1,059 | 1,128 | 1,184 | 1,233 | 1,227 |
| Expenses | 359 | 388 | 417 | 407 | 412 | 427 | 434 | 463 | 504 | 523 | 539 | 605 | 539 |
| Financing Profit | 52 | 58 | 69 | 64 | 63 | 47 | 73 | 34 | 5 | 20 | 19 | -24 | 57 |
| Financing Margin % | 5% | 5% | 6% | 5% | 5% | 3% | 5% | 2% | 0% | 1% | 1% | -1% | 3% |
| Other Income | 99 | 95 | 122 | 107 | 107 | 124 | 136 | 143 | 205 | 184 | 219 | 236 | 186 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 152 | 153 | 191 | 171 | 171 | 171 | 210 | 177 | 210 | 204 | 238 | 212 | 243 |
| Tax % | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 24% |
| Net Profit | 112 | 114 | 142 | 127 | 127 | 127 | 156 | 131 | 155 | 151 | 177 | 157 | 184 |
| EPS in Rs | 3.61 | 3.66 | 4.57 | 4.07 | 4.06 | 4.06 | 4.98 | 4.19 | 4.96 | 4.83 | 5.63 | 5.00 | 5.84 |
| Gross NPA % | 3.89% | 3.62% | 3.19% | 3.26% | 3.36% | 3.43% | 3.23% | 3.33% | 3.29% | 3.11% | 2.99% | 2.98% | 2.91% |
| Net NPA % | 1.54% | 1.37% | 1.04% | 1.19% | 1.28% | 1.22% | 1.11% | 1.18% | 1.17% | 1.18% | 1.12% | 1.22% | 1.21% |
Last Updated: January 2, 2026, 12:03 am
Below is a detailed analysis of the quarterly data for DCB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,227.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,233.00 Cr. (Jun 2025) to 1,227.00 Cr., marking a decrease of 6.00 Cr..
- For Expenses, as of Sep 2025, the value is 539.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 605.00 Cr. (Jun 2025) to 539.00 Cr., marking a decrease of 66.00 Cr..
- For Other Income, as of Sep 2025, the value is 186.00 Cr.. The value appears to be declining and may need further review. It has decreased from 236.00 Cr. (Jun 2025) to 186.00 Cr., marking a decrease of 50.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 243.00 Cr.. The value appears strong and on an upward trend. It has increased from 212.00 Cr. (Jun 2025) to 243.00 Cr., marking an increase of 31.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 24.00%, marking a decrease of 2.00%.
- For Net Profit, as of Sep 2025, the value is 184.00 Cr.. The value appears strong and on an upward trend. It has increased from 157.00 Cr. (Jun 2025) to 184.00 Cr., marking an increase of 27.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 5.84. The value appears strong and on an upward trend. It has increased from 5.00 (Jun 2025) to 5.84, marking an increase of 0.84.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:27 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,128 | 1,422 | 1,698 | 2,076 | 2,413 | 3,041 | 3,537 | 3,458 | 3,513 | 4,200 | 5,362 | 6,471 | 7,049 |
| Interest | 760 | 914 | 1,079 | 1,279 | 1,418 | 1,892 | 2,272 | 2,172 | 2,155 | 2,483 | 3,434 | 4,364 | 4,772 |
| Expenses | 338 | 443 | 550 | 700 | 866 | 949 | 1,113 | 1,223 | 1,356 | 1,422 | 1,586 | 1,927 | 2,205 |
| Financing Profit | 31 | 66 | 70 | 97 | 129 | 201 | 152 | 64 | 1 | 295 | 342 | 180 | 72 |
| Financing Margin % | 3% | 5% | 4% | 5% | 5% | 7% | 4% | 2% | 0% | 7% | 6% | 3% | 1% |
| Other Income | 139 | 166 | 220 | 249 | 310 | 350 | 391 | 446 | 452 | 409 | 474 | 751 | 825 |
| Depreciation | 18 | 23 | 29 | 39 | 53 | 44 | 51 | 57 | 64 | 77 | 94 | 101 | 0 |
| Profit before tax | 151 | 208 | 261 | 307 | 386 | 507 | 492 | 453 | 390 | 628 | 722 | 829 | 897 |
| Tax % | 0% | 8% | 26% | 35% | 36% | 36% | 31% | 26% | 26% | 26% | 26% | 26% | |
| Net Profit | 151 | 191 | 195 | 200 | 245 | 325 | 338 | 336 | 288 | 466 | 536 | 615 | 670 |
| EPS in Rs | 6.05 | 6.78 | 6.84 | 7.00 | 7.96 | 10.51 | 10.89 | 10.81 | 9.25 | 14.95 | 17.13 | 19.58 | 21.30 |
| Dividend Payout % | 0% | 0% | 0% | 7% | 9% | 10% | 0% | 0% | 11% | 8% | 7% | 7% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 26.49% | 2.09% | 2.56% | 22.50% | 32.65% | 4.00% | -0.59% | -14.29% | 61.81% | 15.02% | 14.74% |
| Change in YoY Net Profit Growth (%) | 0.00% | -24.40% | 0.47% | 19.94% | 10.15% | -28.65% | -4.59% | -13.69% | 76.09% | -46.78% | -0.28% |
DCB Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 13% |
| 3 Years: | 23% |
| TTM: | 21% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 13% |
| 3 Years: | 29% |
| TTM: | 19% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| 1 Year: | 4% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 10% |
| 3 Years: | 11% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 2:40 am
Balance Sheet
Last Updated: December 4, 2025, 1:09 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 250 | 282 | 284 | 285 | 308 | 310 | 310 | 311 | 311 | 312 | 313 | 314 | 315 |
| Reserves | 904 | 1,307 | 1,508 | 1,920 | 2,500 | 2,806 | 3,112 | 3,448 | 3,738 | 4,255 | 4,758 | 5,376 | 5,654 |
| Deposits | 10,390 | 12,674 | 14,926 | 19,289 | 24,007 | 28,435 | 30,370 | 29,704 | 34,692 | 41,239 | 49,353 | 60,031 | 64,777 |
| Borrowing | 795 | 1,099 | 1,148 | 1,276 | 1,927 | 2,723 | 3,408 | 4,482 | 4,082 | 4,118 | 6,219 | 9,115 | 5,929 |
| Other Liabilities | 584 | 771 | 1,252 | 1,276 | 1,481 | 1,518 | 1,305 | 1,657 | 1,970 | 2,443 | 2,393 | 1,973 | 2,216 |
| Total Liabilities | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,793 | 52,366 | 63,037 | 76,810 | 78,890 |
| Fixed Assets | 239 | 237 | 248 | 489 | 494 | 526 | 546 | 569 | 608 | 783 | 841 | 832 | 893 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53 | 44 | 24 | 66 | 0 |
| Investments | 3,634 | 3,962 | 4,333 | 5,818 | 6,219 | 7,844 | 7,742 | 8,414 | 9,051 | 12,582 | 16,211 | 20,150 | 20,496 |
| Other Assets | 9,050 | 11,933 | 14,537 | 17,740 | 23,509 | 27,422 | 30,218 | 30,620 | 35,081 | 38,957 | 45,961 | 55,761 | 57,501 |
| Total Assets | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,793 | 52,366 | 63,037 | 76,810 | 78,890 |
Below is a detailed analysis of the balance sheet data for DCB Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 315.00 Cr.. The value appears strong and on an upward trend. It has increased from 314.00 Cr. (Mar 2025) to 315.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 5,654.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,376.00 Cr. (Mar 2025) to 5,654.00 Cr., marking an increase of 278.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2,216.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,973.00 Cr. (Mar 2025) to 2,216.00 Cr., marking an increase of 243.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 78,890.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 76,810.00 Cr. (Mar 2025) to 78,890.00 Cr., marking an increase of 2,080.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 893.00 Cr.. The value appears strong and on an upward trend. It has increased from 832.00 Cr. (Mar 2025) to 893.00 Cr., marking an increase of 61.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 66.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 66.00 Cr..
- For Investments, as of Sep 2025, the value is 20,496.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,150.00 Cr. (Mar 2025) to 20,496.00 Cr., marking an increase of 346.00 Cr..
- For Other Assets, as of Sep 2025, the value is 57,501.00 Cr.. The value appears strong and on an upward trend. It has increased from 55,761.00 Cr. (Mar 2025) to 57,501.00 Cr., marking an increase of 1,740.00 Cr..
- For Total Assets, as of Sep 2025, the value is 78,890.00 Cr.. The value appears strong and on an upward trend. It has increased from 76,810.00 Cr. (Mar 2025) to 78,890.00 Cr., marking an increase of 2,080.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 328.00 | 431.00 | 536.00 | 681.00 | 842.00 | 921.00 | -29.00 | -28.00 | -33.00 | -40.00 | -48.00 | -59.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 14% | 12% | 10% | 10% | 11% | 10% | 9% | 7% | 11% | 11% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Franklin India Small Cap Fund | 12,199,095 | 1.66 | 223.94 | N/A | N/A | N/A |
| Bandhan Small Cap Fund | 11,663,358 | 1.18 | 214.1 | 12,913,358 | 2025-12-15 02:00:07 | -9.68% |
| Tata Small Cap Fund | 11,340,118 | 1.82 | 208.17 | 11,340,118 | 2025-04-22 17:25:37 | 0% |
| Sundaram Small Cap Fund | 4,603,530 | 2.45 | 84.51 | N/A | N/A | N/A |
| Sundaram Financial Services Opportunities Fund | 4,243,632 | 4.68 | 77.9 | N/A | N/A | N/A |
| Sundaram Multi Cap Fund | 3,919,350 | 2.47 | 71.95 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 2,880,022 | 1.64 | 52.87 | 2,880,022 | 2025-04-22 17:25:37 | 0% |
| Mirae Asset Banking and Financial Services Fund | 1,891,057 | 1.56 | 34.71 | N/A | N/A | N/A |
| Mahindra Manulife Small Cap Fund | 1,745,824 | 0.76 | 32.05 | N/A | N/A | N/A |
| Templeton India Value Fund | 1,661,502 | 1.32 | 30.5 | 2,100,000 | 2025-12-15 02:00:07 | -20.88% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 19.63 | 17.18 | 14.96 | 9.26 | 10.82 |
| Diluted EPS (Rs.) | 19.49 | 16.99 | 14.79 | 9.19 | 10.70 |
| Cash EPS (Rs.) | 22.81 | 20.15 | 17.42 | 11.29 | 12.64 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 172.05 | 152.85 | 137.05 | 122.95 | 113.58 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 181.07 | 162.12 | 146.58 | 130.20 | 121.04 |
| Dividend / Share (Rs.) | 1.35 | 1.25 | 1.25 | 1.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 205.88 | 171.42 | 134.84 | 112.96 | 111.36 |
| Net Profit / Share (Rs.) | 19.58 | 17.13 | 14.95 | 9.24 | 10.81 |
| Interest Income / Employee (Rs.) | 5852026.14 | 4758643.33 | 4240556.28 | 4375096.53 | 5417851.17 |
| Net Profit / Employee (Rs.) | 556511.44 | 475660.72 | 470024.13 | 358082.33 | 526068.93 |
| Business / Employee (Rs.) | 100459316.72 | 80118564.79 | 76344926.00 | 79446341.76 | 87205235.63 |
| Interest Income / Branch (Rs.) | 139452269.40 | 121313106.33 | 98367002.34 | 87819125.00 | 98244727.27 |
| Net Profit / Branches (Rs.) | 13261523.71 | 12126119.91 | 10903018.74 | 7187607.50 | 9539482.95 |
| Business / Branches (Rs.) | 2393919536.64 | 2042479610.86 | 1770951971.90 | 1594686695.00 | 1581338122.16 |
| Net Profit Margin (%) | 9.50 | 9.99 | 11.08 | 8.18 | 9.70 |
| Operating Profit Margin (%) | 21.53 | 22.31 | 21.89 | 15.88 | 19.24 |
| Return On Assets (%) | 0.80 | 0.85 | 0.88 | 0.64 | 0.84 |
| Return On Equity / Networth (%) | 11.37 | 11.21 | 10.90 | 7.51 | 9.51 |
| Net Interest Margin (X) | 2.74 | 3.05 | 3.27 | 3.02 | 3.24 |
| Cost To Income (%) | 63.70 | 64.01 | 63.00 | 55.95 | 48.51 |
| Interest Income / Total Assets (%) | 8.42 | 8.50 | 8.02 | 7.83 | 8.73 |
| Non-Interest Income / Total Assets (%) | 0.97 | 0.75 | 0.78 | 1.00 | 1.15 |
| Operating Profit / Total Assets (%) | -0.17 | 0.09 | 0.10 | -0.36 | -0.30 |
| Operating Expenses / Total Assets (%) | 2.36 | 2.43 | 2.55 | 2.25 | 2.13 |
| Interest Expenses / Total Assets (%) | 5.68 | 5.44 | 4.74 | 4.80 | 5.48 |
| Enterprise Value (Rs.Cr.) | 70158.66 | 56431.08 | 46653.26 | 39354.20 | 36192.43 |
| EV Per Net Sales (X) | 10.84 | 10.52 | 11.11 | 11.20 | 10.47 |
| Price To Book Value (X) | 0.65 | 0.77 | 0.77 | 0.56 | 0.90 |
| Price To Sales (X) | 0.54 | 0.69 | 0.79 | 0.61 | 0.92 |
| Retention Ratios (%) | 93.63 | 92.72 | 93.31 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.17 | 0.14 | 0.13 | 0.13 | 0.10 |
After reviewing the key financial ratios for DCB Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 19.63. This value is within the healthy range. It has increased from 17.18 (Mar 24) to 19.63, marking an increase of 2.45.
- For Diluted EPS (Rs.), as of Mar 25, the value is 19.49. This value is within the healthy range. It has increased from 16.99 (Mar 24) to 19.49, marking an increase of 2.50.
- For Cash EPS (Rs.), as of Mar 25, the value is 22.81. This value is within the healthy range. It has increased from 20.15 (Mar 24) to 22.81, marking an increase of 2.66.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 172.05. It has increased from 152.85 (Mar 24) to 172.05, marking an increase of 19.20.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 181.07. It has increased from 162.12 (Mar 24) to 181.07, marking an increase of 18.95.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.35. This value is within the healthy range. It has increased from 1.25 (Mar 24) to 1.35, marking an increase of 0.10.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 19.58. This value is within the healthy range. It has increased from 17.13 (Mar 24) to 19.58, marking an increase of 2.45.
- For Net Profit Margin (%), as of Mar 25, the value is 9.50. This value is within the healthy range. It has decreased from 9.99 (Mar 24) to 9.50, marking a decrease of 0.49.
- For Return On Assets (%), as of Mar 25, the value is 0.80. This value is below the healthy minimum of 5. It has decreased from 0.85 (Mar 24) to 0.80, marking a decrease of 0.05.
- For Retention Ratios (%), as of Mar 25, the value is 93.63. This value exceeds the healthy maximum of 70. It has increased from 92.72 (Mar 24) to 93.63, marking an increase of 0.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in DCB Bank Ltd:
- Net Profit Margin: 9.5%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 8.69 (Industry average Stock P/E: 18.72)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 9.5%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 601 & 602, Peninsula Business Park, Mumbai Maharashtra 400013 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Farokh N Subedar | Chairman |
| Mr. Praveen Achuthan Kutty | Managing Director & CEO |
| Mr. Krishnan Sridhar Seshadri | Whole Time Director |
| Ms. Lakshmy Chandrasekaran | Director |
| Mr. Iqbal Khan | Director |
| Mr. Thiyagarajan Kumar | Director |
| Mr. Amyn Jassani | Director |
| Mr. P R Somasundaram | Director |
| Mr. Tarun Balram | Director |
| Mr. Balu Srinivasan | Director |
| Mr. Nadir Bhalwani | Director |
| Mr. Nasser Munjee | Director |
FAQ
What is the intrinsic value of DCB Bank Ltd?
DCB Bank Ltd's intrinsic value (as of 08 January 2026) is ₹150.91 which is 16.62% lower the current market price of ₹181.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,817 Cr. market cap, FY2025-2026 high/low of ₹190/101, reserves of ₹5,654 Cr, and liabilities of ₹78,890 Cr.
What is the Market Cap of DCB Bank Ltd?
The Market Cap of DCB Bank Ltd is 5,817 Cr..
What is the current Stock Price of DCB Bank Ltd as on 08 January 2026?
The current stock price of DCB Bank Ltd as on 08 January 2026 is ₹181.
What is the High / Low of DCB Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of DCB Bank Ltd stocks is ₹190/101.
What is the Stock P/E of DCB Bank Ltd?
The Stock P/E of DCB Bank Ltd is 8.69.
What is the Book Value of DCB Bank Ltd?
The Book Value of DCB Bank Ltd is 189.
What is the Dividend Yield of DCB Bank Ltd?
The Dividend Yield of DCB Bank Ltd is 0.75 %.
What is the ROCE of DCB Bank Ltd?
The ROCE of DCB Bank Ltd is 7.67 %.
What is the ROE of DCB Bank Ltd?
The ROE of DCB Bank Ltd is 11.4 %.
What is the Face Value of DCB Bank Ltd?
The Face Value of DCB Bank Ltd is 10.0.