Share Price and Basic Stock Data
Last Updated: November 8, 2025, 6:08 am
| PEG Ratio | 0.49 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
DCB Bank Ltd, operating in the private sector banking industry, reported a share price of ₹161 and a market capitalization of ₹5,185 Cr. The bank’s revenue trajectory has shown consistent growth, with revenue rising from ₹949 Cr in June 2022 to ₹1,306 Cr in September 2023. This upward trend is expected to continue as revenue is projected to reach ₹1,742 Cr by March 2025. The bank’s interest income has also followed a similar pattern, increasing from ₹575 Cr in June 2022 to ₹830 Cr in September 2023, positioning the bank to achieve an interest income of ₹4,364 Cr by March 2025. DCB Bank’s financial performance reflects a robust strategy in enhancing its revenue streams, which is crucial for its operational sustainability in the competitive banking landscape.
Profitability and Efficiency Metrics
DCB Bank’s profitability metrics indicate a healthy performance, with a reported net profit of ₹641 Cr for the trailing twelve months. The bank’s return on equity (ROE) stood at 11.4%, while the return on capital employed (ROCE) was recorded at 7.67%. Notably, the bank’s net profit margin remained strong at 9.50% for the financial year ending March 2025, reinforcing its operational efficiency. The financing margin, however, showed fluctuations, declining to 1% by March 2025 from a high of 6% in March 2023. This inconsistency highlights potential challenges in managing interest income relative to expenses. Nevertheless, the bank’s ability to maintain profitability amidst these variances demonstrates its resilience and strategic management in navigating financial pressures.
Balance Sheet Strength and Financial Ratios
DCB Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹76,810 Cr for the financial year ending March 2025. The bank’s reserves have steadily increased, reaching ₹5,376 Cr, indicating a strong buffer against financial uncertainties. The bank’s equity capital has also grown modestly, reaching ₹314 Cr by March 2025. Financial ratios such as the price-to-earnings (P/E) ratio stood at 7.74, suggesting a relatively attractive valuation compared to the sector. However, the price-to-book (P/B) ratio was not available, making it challenging to assess the bank’s market value against its book value. The gross non-performing asset (NPA) ratio showed improvement, declining to 2.99% by March 2025, reflecting effective asset quality management. This trend in asset quality is crucial for maintaining investor confidence and mitigating risks associated with loan defaults.
Shareholding Pattern and Investor Confidence
The shareholding pattern of DCB Bank indicates a diverse ownership structure, with promoters holding 14.66% and foreign institutional investors (FIIs) at 10.49%. Domestic institutional investors (DIIs) have a significant stake of 31.93%, while public shareholders account for 42.91%. This diverse distribution of ownership can foster stability and investor confidence in the bank’s governance. Over the past year, promoter holdings have gradually declined, indicating a potential shift in confidence among insiders. Conversely, the public shareholding has shown resilience, suggesting continued interest from retail investors. The total number of shareholders stood at 2,04,998, reflecting a growing base of retail participation. This broad ownership base can contribute positively to the bank’s market perception and stability.
Outlook, Risks, and Final Insight
Looking ahead, DCB Bank is well-positioned to capitalize on the ongoing growth in the Indian banking sector, supported by its increasing revenue and improving asset quality. However, risks remain, particularly concerning interest rate fluctuations and the bank’s ability to maintain its financing margin, which has shown signs of volatility. Additionally, external economic factors could impact the bank’s non-performing assets, posing challenges to its profitability. The bank’s ongoing initiatives in enhancing operational efficiency and expanding its revenue sources will be critical in navigating these risks. Overall, while DCB Bank’s fundamentals appear strong, careful monitoring of market conditions and internal performance metrics will be essential for sustaining growth and shareholder value in the coming periods.
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 | 2,322 Cr. | 279 | 372/180 | 28.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,417 Cr. | 27.5 | 44.9/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,234 Cr. | 272 | 331/250 | 9.13 | 307 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,691 Cr. | 22.8 | 24.3/16.0 | 25.3 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,148 Cr. | 52.4 | 54.6/30.8 | 24.3 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 159,990.96 Cr | 409.09 | 18.40 | 239.88 | 0.61% | 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: October 15, 2025, 5:28 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 | 6,795 |
| Interest | 760 | 914 | 1,079 | 1,279 | 1,418 | 1,892 | 2,272 | 2,172 | 2,155 | 2,483 | 3,434 | 4,364 | 4,604 |
| Expenses | 338 | 443 | 550 | 700 | 866 | 949 | 1,113 | 1,223 | 1,356 | 1,422 | 1,586 | 1,927 | 2,171 |
| Financing Profit | 31 | 66 | 70 | 97 | 129 | 201 | 152 | 64 | 1 | 295 | 342 | 180 | 20 |
| Financing Margin % | 3% | 5% | 4% | 5% | 5% | 7% | 4% | 2% | 0% | 7% | 6% | 3% | 0% |
| Other Income | 139 | 166 | 220 | 249 | 310 | 350 | 391 | 446 | 452 | 409 | 474 | 751 | 844 |
| 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 | 863 |
| 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 | 641 |
| 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 | 20.42 |
| 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: October 10, 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 250 | 282 | 284 | 285 | 308 | 310 | 310 | 311 | 311 | 312 | 313 | 314 |
| Reserves | 904 | 1,307 | 1,508 | 1,920 | 2,500 | 2,806 | 3,112 | 3,448 | 3,738 | 4,255 | 4,758 | 5,376 |
| 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 |
| Borrowing | 795 | 1,099 | 1,148 | 1,276 | 1,927 | 2,723 | 3,408 | 4,482 | 4,082 | 4,118 | 6,219 | 9,115 |
| Other Liabilities | 584 | 771 | 1,252 | 1,276 | 1,481 | 1,518 | 1,305 | 1,657 | 1,970 | 2,443 | 2,393 | 1,973 |
| 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 |
| Fixed Assets | 239 | 237 | 248 | 489 | 494 | 526 | 546 | 569 | 608 | 783 | 841 | 832 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53 | 44 | 24 | 66 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for DCB Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 314.00 Cr.. The value appears strong and on an upward trend. It has increased from 313.00 Cr. (Mar 2024) to 314.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Mar 2025, the value is 5,376.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,758.00 Cr. (Mar 2024) to 5,376.00 Cr., marking an increase of 618.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1,973.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,393.00 Cr. (Mar 2024) to 1,973.00 Cr., marking a decrease of 420.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 76,810.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 63,037.00 Cr. (Mar 2024) to 76,810.00 Cr., marking an increase of 13,773.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 832.00 Cr.. The value appears to be declining and may need further review. It has decreased from 841.00 Cr. (Mar 2024) to 832.00 Cr., marking a decrease of 9.00 Cr..
- For CWIP, as of Mar 2025, the value is 66.00 Cr.. The value appears strong and on an upward trend. It has increased from 24.00 Cr. (Mar 2024) to 66.00 Cr., marking an increase of 42.00 Cr..
- For Investments, as of Mar 2025, the value is 20,150.00 Cr.. The value appears strong and on an upward trend. It has increased from 16,211.00 Cr. (Mar 2024) to 20,150.00 Cr., marking an increase of 3,939.00 Cr..
- For Other Assets, as of Mar 2025, the value is 55,761.00 Cr.. The value appears strong and on an upward trend. It has increased from 45,961.00 Cr. (Mar 2024) to 55,761.00 Cr., marking an increase of 9,800.00 Cr..
- For Total Assets, as of Mar 2025, the value is 76,810.00 Cr.. The value appears strong and on an upward trend. It has increased from 63,037.00 Cr. (Mar 2024) to 76,810.00 Cr., marking an increase of 13,773.00 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% |