Share Price and Basic Stock Data
Last Updated: November 28, 2025, 7:52 am
| PEG Ratio | 0.49 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
DCB Bank Ltd, a prominent player in the private sector banking industry, reported a current share price of ₹183 and a market capitalization of ₹5,897 Cr. The bank’s revenue has shown consistent growth, rising from ₹949 Cr in June 2022 to ₹1,306 Cr by September 2023, and is projected to reach ₹1,742 Cr by March 2025. The bank’s total revenue for the financial year ending March 2023 stood at ₹4,200 Cr, with a forecast to increase to ₹6,471 Cr by March 2025. This growth trajectory reflects the bank’s robust operational strategy and its ability to expand its customer base, a critical factor in the competitive banking sector. Furthermore, the bank’s interest income has also increased significantly, from ₹575 Cr in June 2022 to ₹830 Cr in September 2023, demonstrating effective asset management and lending practices. The bank’s ability to generate consistent revenue growth positions it favorably within the sector.
Profitability and Efficiency Metrics
DCB Bank recorded a net profit of ₹670 Cr for the trailing twelve months, with a net profit margin of 9.50% for the financial year ending March 2025. The return on equity (ROE) stood at 11.4%, indicating effective utilization of shareholders’ equity to generate earnings. The bank’s financing profit peaked at ₹295 Cr in March 2023, although it is expected to decline to ₹180 Cr by March 2025. The financing margin has fluctuated, reported at 6% in March 2023 but dropping to a projected 3% by March 2025, reflecting challenges in maintaining margins amidst rising costs. Additionally, the bank’s operational efficiency is highlighted by its cost-to-income ratio of 63.70% for March 2025, which is relatively favorable compared to the sector norm. These profitability metrics underscore DCB Bank’s capacity to manage expenses while generating income, although the declining financing profit is a point of concern.
Balance Sheet Strength and Financial Ratios
DCB Bank’s balance sheet reflects solid financial health with total assets reported at ₹76,810 Cr for March 2025, up from ₹52,366 Cr in March 2023. The bank’s reserves have increased to ₹5,654 Cr, showing a strong capital position that supports future growth. The bank’s equity capital remains stable, rising gradually from ₹311 Cr in March 2022 to ₹314 Cr in March 2025. The price-to-book value ratio is currently at 0.65, indicative of the bank being undervalued compared to its intrinsic asset value. The gross non-performing assets (NPA) ratio improved to 2.99% by March 2025, down from 3.19% in March 2023, highlighting effective credit risk management. However, the net NPA ratio remains at 1.12%, which is a concern as it indicates potential credit quality issues. Overall, the balance sheet strength is commendable, but ongoing monitoring of asset quality is essential.
Shareholding Pattern and Investor Confidence
The shareholding pattern of DCB Bank reveals a diverse ownership structure, with public shareholders holding 42.91% as of March 2025. Domestic institutional investors (DIIs) have a significant stake of 31.93%, while foreign institutional investors (FIIs) hold 10.49%. The promoters’ stake has gradually declined from 14.85% in December 2022 to 14.66% in September 2025, indicating a potential dilution of control or a strategic shift in capital allocation. The number of shareholders has also increased to 2,04,998, reflecting growing investor interest in the bank. This diverse ownership structure can enhance corporate governance and investor confidence. However, the declining promoter stake may raise questions regarding long-term commitment, which could impact investor sentiment. Maintaining transparent communication with shareholders will be crucial for sustaining confidence.
Outlook, Risks, and Final Insight
DCB Bank’s outlook appears positive, supported by strong revenue growth and an improving asset quality profile. However, the bank faces risks, particularly from declining financing profit margins and potential credit quality issues, as indicated by the net NPA ratio. Additionally, the banking sector is subject to regulatory changes and economic fluctuations that could impact performance. Should the bank successfully navigate these challenges, it could enhance its profitability and market position. Conversely, any deterioration in asset quality or failure to maintain healthy margins could adversely affect its financial stability. In conclusion, while DCB Bank demonstrates resilience and growth potential, careful management of risks and proactive strategies will be essential to sustain its upward trajectory and investor confidence in the long run.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of DCB Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,596 Cr. | 312 | 372/180 | 32.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,259 Cr. | 278 | 331/250 | 9.30 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,601 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,582 Cr. | 54.6 | 56.2/30.8 | 25.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,938.74 Cr | 422.98 | 18.82 | 241.49 | 0.58% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 949 | 1,000 | 1,072 | 1,179 | 1,238 | 1,306 | 1,374 | 1,445 | 1,489 | 1,568 | 1,671 | 1,742 | 1,814 |
| Interest | 575 | 589 | 626 | 693 | 767 | 830 | 900 | 937 | 993 | 1,059 | 1,128 | 1,184 | 1,233 |
| Expenses | 335 | 359 | 388 | 417 | 407 | 412 | 427 | 434 | 463 | 504 | 523 | 539 | 605 |
| Financing Profit | 39 | 52 | 58 | 69 | 64 | 63 | 47 | 73 | 34 | 5 | 20 | 19 | -24 |
| Financing Margin % | 4% | 5% | 5% | 6% | 5% | 5% | 3% | 5% | 2% | 0% | 1% | 1% | -1% |
| Other Income | 92 | 99 | 95 | 122 | 107 | 107 | 124 | 136 | 143 | 205 | 184 | 219 | 236 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 131 | 152 | 153 | 191 | 171 | 171 | 171 | 210 | 177 | 210 | 204 | 238 | 212 |
| Tax % | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 97 | 112 | 114 | 142 | 127 | 127 | 127 | 156 | 131 | 155 | 151 | 177 | 157 |
| EPS in Rs | 3.12 | 3.61 | 3.66 | 4.57 | 4.07 | 4.06 | 4.06 | 4.98 | 4.19 | 4.96 | 4.83 | 5.63 | 5.00 |
| Gross NPA % | 4.21% | 3.89% | 3.62% | 3.19% | 3.26% | 3.36% | 3.43% | 3.23% | 3.33% | 3.29% | 3.11% | 2.99% | 2.98% |
| Net NPA % | 1.82% | 1.54% | 1.37% | 1.04% | 1.19% | 1.28% | 1.22% | 1.11% | 1.18% | 1.17% | 1.18% | 1.12% | 1.22% |
Last Updated: August 1, 2025, 10:15 pm
Below is a detailed analysis of the quarterly data for DCB Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,233.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,184.00 Cr. (Mar 2025) to 1,233.00 Cr., marking an increase of 49.00 Cr..
- For Expenses, as of Jun 2025, the value is 605.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 539.00 Cr. (Mar 2025) to 605.00 Cr., marking an increase of 66.00 Cr..
- For Other Income, as of Jun 2025, the value is 236.00 Cr.. The value appears strong and on an upward trend. It has increased from 219.00 Cr. (Mar 2025) to 236.00 Cr., marking an increase of 17.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 212.00 Cr.. The value appears to be declining and may need further review. It has decreased from 238.00 Cr. (Mar 2025) to 212.00 Cr., marking a decrease of 26.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 26.00%.
- For Net Profit, as of Jun 2025, the value is 157.00 Cr.. The value appears to be declining and may need further review. It has decreased from 177.00 Cr. (Mar 2025) to 157.00 Cr., marking a decrease of 20.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 5.00. The value appears to be declining and may need further review. It has decreased from 5.63 (Mar 2025) to 5.00, marking a decrease of 0.63.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:30 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: November 9, 2025, 1:53 pm
| 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
| 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
| 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 |
|---|---|---|---|---|---|---|
| HDFC Small Cap Fund - Regular Plan | 13,948,722 | 0.66 | 194.86 | 13,948,722 | 2025-04-22 15:56:59 | 0% |
| Franklin India Smaller Companies Fund | 12,199,095 | 1.35 | 170.42 | 12,199,095 | 2025-04-22 02:06:43 | 0% |
| Tata Small Cap Fund | 11,340,118 | 2.28 | 158.42 | 11,340,118 | 2025-04-22 17:25:37 | 0% |
| DSP Small Cap Fund | 9,511,141 | 0.94 | 132.87 | 9,511,141 | 2025-04-22 15:56:59 | 0% |
| Tata Banking and Financial Services Fund | 2,880,022 | 1.92 | 40.23 | 2,880,022 | 2025-04-22 17:25:37 | 0% |
| Templeton India Value Fund | 1,800,000 | 1.31 | 25.15 | 1,800,000 | 2025-04-22 17:25:37 | 0% |
| LIC MF Flexi Cap Fund | 1,702,044 | 2.44 | 23.78 | 1,702,044 | 2025-04-22 17:25:37 | 0% |
| Tata Business Cycle Fund | 1,658,000 | 1.05 | 23.16 | 1,658,000 | 2025-04-22 17:25:37 | 0% |
| Bandhan Small Cap Fund | 1,588,205 | 0.44 | 22.19 | 1,588,205 | 2025-04-22 17:25:37 | 0% |
| ITI Small Cap Fund | 1,497,281 | 1.08 | 20.92 | 1,497,281 | 2025-04-22 15:56:59 | 0% |
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
Unable to fetch valid data for stock valuation.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: 8.81 (Industry average Stock P/E: 18.82)
- 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 | investorgrievance@dcbbank.com http://www.dcbbank.com |
| 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 29 November 2025) is 152.98 which is 16.40% lower the current market price of 183.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,897 Cr. market cap, FY2025-2026 high/low of 189/101, 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 5,897 Cr..
What is the current Stock Price of DCB Bank Ltd as on 29 November 2025?
The current stock price of DCB Bank Ltd as on 29 November 2025 is 183.
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 189/101.
What is the Stock P/E of DCB Bank Ltd?
The Stock P/E of DCB Bank Ltd is 8.81.
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 0.74 %.
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.