WEBSITE BSE:532772 NSE: DCBBANK Inc. Year: 1995 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:59
DCB Bank Ltd presents numerous banking and monetary products and services in India. It operates through Wholesale, Retail, and Other Banking Operations segments and Treasury Operations. The Treasury Operations section engages in diverse financial markets activities undertaken on behalf of the company’s customers, proprietary buying and selling, maintenance of reserve necessities, and resource mobilization from different banks and financial institutions. The Wholesale Banking section activities comprises lending, deposit taking, and diffe...Read More
DCB Bank Ltd presents numerous banking and monetary products and services in India. It operates through Wholesale, Retail, and Other Banking Operations segments and Treasury Operations. The Treasury Operations section engages in diverse financial markets activities undertaken on behalf of the company’s customers, proprietary buying and selling, maintenance of reserve necessities, and resource mobilization from different banks and financial institutions. The Wholesale Banking section activities comprises lending, deposit taking, and different offerings supplied to corporate clients. The Retail Banking section comprise lending, deposit taking, and other services offered to retail clients. The Other Banking Operations section presents para banking services, including third party product distribution, merchant banking, and so forth. As of May 07, 2022, it operated via a network of four hundred branches in India. It was formerly referred to as Development Credit Bank Ltd and changed its name to DCB Bank Ltd in October 2013. DCB Bank Ltd was established in 1995 and is based in Mumbai, India. ...Read Less
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Market Cap ₹6225 Cr.
Stock P/E 10.1
P/B 1
Current Price ₹193.4
Book Value ₹ 185
Face Value 10
52W High ₹203.6
Dividend Yield 0.7%
52W Low ₹ 119.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1306 | 1374 | 1445 | 1489 | 1568 | 1671 | 1742 | 1814 | 1823 | 1861 |
| Other Income | 107 | 124 | 136 | 143 | 205 | 184 | 219 | 236 | 186 | 221 |
| Total Income | 1413 | 1498 | 1581 | 1632 | 1773 | 1855 | 1961 | 2050 | 2009 | 2082 |
| Interest Expense | 830 | 900 | 937 | 993 | 1059 | 1128 | 1184 | 1233 | 1227 | 1236 |
| Operating Expenditure | 373 | 386 | 410 | 434 | 459 | 456 | 471 | 490 | 478 | 523 |
| Provisions and contingencies | 40 | 41 | 24 | 28 | 46 | 67 | 67 | 115 | 61 | 74 |
| Operating Profit | 171 | 171 | 210 | 177 | 210 | 204 | 238 | 212 | 243 | 249 |
| Profit Before Tax | 171 | 171 | 210 | 177 | 210 | 204 | 238 | 212 | 243 | 249 |
| Provision for Tax | 44 | 44 | 54 | 46 | 54 | 52 | 61 | 54 | 59 | 64 |
| Profit After Tax | 127 | 127 | 156 | 131 | 155 | 151 | 177 | 157 | 184 | 185 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 127 | 127 | 156 | 131 | 155 | 151 | 177 | 157 | 184 | 185 |
| Adjusted Earnings Per Share | 4.1 | 4.1 | 5 | 4.2 | 5 | 4.8 | 5.6 | 5 | 5.8 | 5.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1422 | 1698 | 2076 | 2413 | 3041 | 3537 | 3458 | 3513 | 4200 | 5362 | 6471 | 7240 |
| Other Income | 166 | 220 | 249 | 310 | 350 | 391 | 446 | 452 | 409 | 474 | 751 | 862 |
| Total Income | 1588 | 1919 | 2325 | 2723 | 3392 | 3928 | 3904 | 3965 | 4610 | 5836 | 7221 | 8102 |
| Interest Expense | 914 | 1079 | 1279 | 1418 | 1892 | 2272 | 2172 | 2155 | 2483 | 3434 | 4364 | 4880 |
| Operating Expenditure | 396 | 491 | 628 | 781 | 853 | 903 | 847 | 1013 | 1340 | 1538 | 1820 | 1962 |
| Provisions and contingencies | 69 | 88 | 111 | 139 | 140 | 261 | 433 | 407 | 159 | 142 | 208 | 317 |
| Operating Profit | 208 | 261 | 307 | 386 | 507 | 492 | 453 | 390 | 628 | 722 | 829 | 942 |
| Profit Before Tax | 208 | 261 | 307 | 386 | 507 | 492 | 453 | 390 | 628 | 722 | 829 | 942 |
| Provision for Tax | 17 | 67 | 107 | 141 | 181 | 154 | 117 | 102 | 162 | 186 | 213 | 238 |
| Profit After Tax | 191 | 195 | 200 | 245 | 325 | 338 | 336 | 288 | 466 | 536 | 615 | 703 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 191 | 195 | 200 | 245 | 325 | 338 | 336 | 288 | 466 | 536 | 615 | 703 |
| Adjusted Earnings Per Share | 6.8 | 6.8 | 7 | 8 | 10.5 | 10.9 | 10.8 | 9.2 | 14.9 | 17.1 | 19.6 | 22.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 21% | 23% | 13% | 16% |
| Operating Profit CAGR | 15% | 29% | 11% | 15% |
| PAT CAGR | 15% | 29% | 13% | 12% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 50% | 24% | 17% | 7% |
| ROE Average | 12% | 12% | 11% | 11% |
| ROCE Average | 10% | 11% | 10% | 11% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 1589 | 1792 | 2205 | 2808 | 3116 | 3422 | 3759 | 4049 | 4566 | 5071 | 5691 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 12609 | 14926 | 19289 | 24007 | 28435 | 30370 | 29704 | 34692 | 41239 | 49353 | 60031 |
| Borrowings | 1164 | 1148 | 1276 | 1927 | 2723 | 3408 | 4482 | 4082 | 4118 | 6219 | 9115 |
| Other Liabilities & Provisions | 771 | 1252 | 1276 | 1481 | 1518 | 1305 | 1657 | 1970 | 2443 | 2393 | 1973 |
| Total Liabilities | 16132 | 19119 | 24046 | 30222 | 35792 | 38505 | 39602 | 44793 | 52366 | 63037 | 76810 |
| Cash and balance with RBI | 634 | 703 | 858 | 1136 | 1317 | 1030 | 1183 | 3108 | 2031 | 2867 | 2507 |
| Bank Balance | 85 | 188 | 334 | 1236 | 1476 | 2516 | 1856 | 983 | 338 | 199 | 191 |
| Investments | 3962 | 4333 | 5818 | 6219 | 7844 | 7742 | 8414 | 9051 | 12582 | 16211 | 20150 |
| Advances | 10465 | 12921 | 15818 | 20337 | 23568 | 25345 | 25737 | 29096 | 34378 | 40925 | 51047 |
| Fixed Assets | 237 | 248 | 489 | 494 | 526 | 546 | 569 | 608 | 783 | 841 | 832 |
| Other Assets | 749 | 724 | 730 | 800 | 1060 | 1327 | 1843 | 1894 | 2211 | 1971 | 2016 |
| Total Assets | 16132 | 19119 | 24046 | 30222 | 35792 | 38505 | 39602 | 44793 | 52366 | 63037 | 76810 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 690 | 719 | 892 | 1192 | 2372 | 2793 | 3546 | 3039 | 4091 | 2368 | 3066 |
| Cash Flow from Operating Activities | -496 | 220 | 240 | 230 | -281 | 171 | -1502 | 1606 | -1566 | 485 | -441 |
| Cash Flow from Investing Activities | -29 | -41 | -71 | -59 | -76 | -72 | -79 | -157 | -165 | -1858 | -2792 |
| Cash Flow from Financing Activities | 554 | -6 | 132 | 1009 | 779 | 654 | 1075 | -398 | 8 | 2070 | 2865 |
| Net Cash Inflow / Outflow | 30 | 172 | 301 | 1180 | 421 | 752 | -507 | 1051 | -1722 | 697 | -367 |
| Closing Cash & Cash Equivalent | 719 | 892 | 1192 | 2372 | 2793 | 3546 | 3039 | 4091 | 2368 | 3066 | 2699 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 6.78 | 6.84 | 7 | 7.96 | 10.51 | 10.89 | 10.81 | 9.25 | 14.95 | 17.13 | 19.58 |
| CEPS(Rs) | 7.61 | 7.9 | 8.37 | 9.7 | 11.94 | 12.53 | 12.64 | 11.29 | 17.42 | 20.15 | 22.81 |
| DPS(Rs) | 0 | 0 | 0.5 | 0.75 | 1 | 0 | 0 | 1 | 1.25 | 1.25 | 1.35 |
| Book NAV/Share(Rs) | 54.39 | 61.19 | 68.22 | 82.96 | 92.72 | 102.57 | 113.55 | 122.91 | 136.95 | 152.74 | 171.96 |
| Yield on Advances | 13.59 | 13.14 | 13.13 | 11.87 | 12.91 | 13.95 | 13.44 | 12.07 | 12.22 | 13.1 | 12.68 |
| Yield on Investments | 7.31 | 8.08 | 7.54 | 7.5 | 7.32 | 8.89 | 8.63 | 7.42 | 5.71 | 6.68 | 7.25 |
| Cost of Liabilities | 6.64 | 6.71 | 6.22 | 5.47 | 6.07 | 6.73 | 6.35 | 5.56 | 5.47 | 6.18 | 6.31 |
| NIM (Net Interest Margin) | 3.36 | 3.41 | 3.49 | 3.44 | 3.36 | 3.45 | 3.46 | 3.21 | 3.48 | 3.2 | 2.85 |
| Interest Spread | 6.95 | 6.43 | 6.91 | 6.4 | 6.83 | 7.23 | 7.08 | 6.51 | 6.74 | 6.92 | 6.36 |
| ROA(%) | 1.32 | 1.1 | 0.93 | 0.9 | 0.99 | 0.91 | 0.86 | 0.68 | 0.96 | 0.93 | 0.88 |
| ROE(%) | 14.53 | 11.88 | 10.83 | 10.9 | 11.99 | 11.16 | 10.01 | 7.82 | 11.51 | 11.85 | 12.09 |
| ROCE(%) | 11.81 | 11.61 | 12.7 | 12.55 | 13.04 | 11.69 | 9.87 | 8.05 | 10.51 | 10.86 | 10.39 |
| PER(x) | 16.41 | 11.54 | 24.39 | 20.27 | 19.44 | 8.73 | 9.5 | 7.51 | 7.15 | 6.95 | 5.72 |
| Price/Book(x) | 2.05 | 1.29 | 2.5 | 1.95 | 2.2 | 0.93 | 0.9 | 0.56 | 0.78 | 0.78 | 0.65 |
| Dividend Yield(%) | 0 | 0 | 0.29 | 0.46 | 0.49 | 0 | 0 | 1.44 | 1.17 | 1.05 | 1.21 |
| EV/Net Sales(x) | 3.02 | 2 | 2.96 | 2.86 | 2.98 | 1.8 | 2.22 | 1.78 | 1.77 | 1.85 | 1.95 |
| EV/Core EBITDA(x) | 15.5 | 9.72 | 14.7 | 13.14 | 13.99 | 8.44 | 8.66 | 7.83 | 9.46 | 11.5 | 12.18 |
| Interest Earned Growth(%) | 26.07 | 19.41 | 22.24 | 16.22 | 26.05 | 16.28 | -2.22 | 1.58 | 19.57 | 27.66 | 20.67 |
| Net Profit Growth | 26.31 | 1.75 | 2.65 | 22.87 | 32.62 | 3.86 | -0.64 | -14.38 | 61.93 | 15.13 | 14.81 |
| Advances Growth | 28.56 | 23.47 | 22.41 | 28.57 | 15.89 | 7.54 | 1.55 | 13.05 | 18.15 | 19.04 | 24.73 |
| EPS Growth(%) | 12.12 | 0.88 | 2.31 | 13.81 | 31.99 | 3.57 | -0.67 | -14.5 | 61.66 | 14.65 | 14.26 |
| Loans/Deposits(x) | 9.23 | 7.69 | 6.61 | 8.03 | 9.58 | 11.22 | 15.09 | 11.77 | 9.99 | 12.6 | 15.18 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.03 | 0.04 | 0.09 | 0.05 | 0.06 | 0.04 |
| Current Ratio(x) | 0.31 | 0.29 | 0.3 | 0.26 | 0.28 | 0.25 | 0.28 | 0.26 | 0.31 | 0.33 | 0.34 |
| Quick Ratio(x) | 9.23 | 7.69 | 6.61 | 8.03 | 9.58 | 11.22 | 15.09 | 11.77 | 9.99 | 12.6 | 15.18 |
| CASA % | 23.4 | 23.38 | 24.31 | 24.33 | 23.95 | 21.47 | 22.85 | 26.75 | 26.42 | 26.02 | 24.52 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 14.8 | 14.77 | 14.75 | 14.73 | 14.72 | 14.7 | 14.69 | 14.66 | 16.24 | 16.23 |
| FII | 13.02 | 12.75 | 14.65 | 11.06 | 10.86 | 9.64 | 11.69 | 10.49 | 11.93 | 12.64 |
| DII | 34.2 | 29.65 | 27.61 | 26.65 | 27.89 | 29.18 | 31.79 | 31.94 | 32.14 | 32.8 |
| Public | 37.98 | 42.83 | 42.99 | 47.56 | 46.53 | 46.48 | 41.82 | 42.91 | 39.68 | 38.33 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 4.62 | 4.62 | 4.62 | 4.62 | 4.62 | 4.62 | 4.62 | 4.62 | 5.23 | 5.23 |
| FII | 4.06 | 3.99 | 4.59 | 3.47 | 3.41 | 3.03 | 3.68 | 3.31 | 3.84 | 4.07 |
| DII | 10.67 | 9.28 | 8.65 | 8.36 | 8.75 | 9.17 | 10 | 10.07 | 10.34 | 10.56 |
| Public | 11.86 | 13.4 | 13.46 | 14.91 | 14.6 | 14.61 | 13.15 | 13.52 | 12.77 | 12.34 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 31.21 | 31.28 | 31.32 | 31.36 | 31.38 | 31.43 | 31.45 | 31.52 | 32.17 | 32.19 |
* The pros and cons are machine generated.
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