DCB Bank, 532772, DCBBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,896.90
6.05
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,504.59
1.09%
0.70

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

6.75
62.14
-18.57

EBITDA CAGR (%)

10 Years
5 Years
3 Years

12.21
12.88
9.74

PAT CAGR (%)

10 Years
5 Years
3 Years

0.83
0.83

P:E (Median)

8 Years
5 Years
3 Years

9.29
8.09
7.48

P:BV (Average)

8 Years
5 Years
3 Years

0.83
0.83
0.83

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.47
7.32
7.72

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 1,813.57 1,489.25 21.78% 1,741.89 1,444.60 20.58% 1,671.05 1,374.10 21.61% 1,568.40 1,305.60 20.13%
Interest Exp. 1,233.13 992.67 24.22% 1,183.93 937.12 26.34% 1,128.18 900.11 25.34% 1,059.24 829.89 27.64%
Net Interest Income 580.44 496.58 16.89% 557.96 507.48 9.95% 542.87 473.99 14.53% 509.16 475.71 7.03%
NIM 3.20 3.39 -5.60% 3.29 3.62 -9.12% 3.30 3.48 -5.17% 3.27 3.69 -11.38%
Other Income 236.12 143.00 65.12% 218.82 136.22 60.64% 184.05 123.72 48.76% 204.64 107.35 90.63%
Total Income 2,049.69 1,632.25 25.57% 1,960.71 1,580.82 24.03% 1,855.10 1,497.82 23.85% 1,773.04 1,412.95 25.48%
Operating Exp. 489.67 434.21 12.77% 471.38 409.95 14.98% 455.81 386.20 18.02% 458.68 372.54 23.12%
Operating Profit 326.89 205.37 59.17% 305.40 233.75 30.65% 271.11 211.51 28.18% 255.12 210.52 21.19%
Provision 115.14 28.39 305.57% 67.22 24.08 179.15% 67.18 41.00 63.85% 45.60 39.68 14.92%
PBT 211.75 176.98 19.65% 238.18 209.67 13.60% 203.93 170.51 19.60% 209.52 170.84 22.64%
PBTM 11.68 11.88 -1.68% 13.67 14.51 -5.79% 12.20 12.41 -1.69% 13.36 13.09 2.06%
TAX 54.49 45.62 19.44% 61.11 53.99 13.19% 52.49 43.93 19.49% 54.05 44.05 22.70%
PAT 157.26 131.36 19.72% 177.07 155.68 13.74% 151.44 126.58 19.64% 155.47 126.79 22.62%
PATM 8.67% 8.82% 10.17% 10.78% 9.06% 9.21% 9.91% 9.71%
EPS 5.00 4.19 19.33% 5.63 4.98 13.05% 4.83 4.06 18.97% 4.96 4.06 22.17%
Gross NPA 1,553.63 1,434.55 8.30% 1,554.43 1,353.47 14.85% 1,517.18 1,367.62 10.94% 1,496.64 1,281.25 16.81%
Gross NPA% 2.98 3.33 -10.51% 2.99 3.23 -7.43% 3.11 3.43 -9.33% 3.29 3.36 -2.08%
Net NPA 625.40 499.22 25.28% 571.55 454.33 25.80% 562.45 476.85 17.95% 521.28 476.43 9.41%
Net NPA% 1.22 1.18 3.39% 1.12 1.11 0.90% 1.18 1.22 -3.28% 1.17 1.28 -8.59%
CASA 23.32 25.41 -8.23% 24.52 26.02 -5.76% 25.09 26.13 -3.98% 25.61 25.04 2.28%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 2,190.43 2,106.57 1,927.90 1,717.00 1,357.50 1,286.61 1,264.91 1,149.29 995.43 797.09 619.50 Interest Earned 6,794.91 6,470.59 5,362.04 4,200.27 3,512.76 3,458.21 3,536.63 3,041.49 2,412.99 2,076.15 1,698.46 Interest Expended 4,604.48 4,364.02 3,434.14 2,483.27 2,155.26 2,171.60 2,271.72 1,892.20 1,417.56 1,279.06 1,078.96 Int. income Growth 12.11% 9.27% 12.28% 26.48% 5.51% 1.72% 10.06% 15.46% 24.88% 28.67% Other Income 843.63 750.51 474.24 409.39 452.04 445.83 391.09 350.16 310.28 248.85 220.46 Total Income 7,638.54 2,857.08 2,402.14 2,126.39 1,809.54 1,732.44 1,656.00 1,499.45 1,305.71 1,045.94 839.96 Total Expenditure 1,875.54 1,927.07 1,585.74 1,421.82 1,356.28 1,223.04 1,112.94 948.73 866.17 700.19 548.57 Employee Cost - 923.07 794.33 692.90 539.14 433.50 458.80 433.99 381.23 308.03 245.09 % Of Sales - 14.27% 14.81% 16.50% 15.35% 12.54% 12.97% 14.27% 15.80% 14.84% 14.43% Opt. & Establishment Exp. - 998.41 837.80 723.76 537.13 469.73 495.28 463.04 452.86 358.73 276.13 % Of Sales - 15.43% 15.62% 17.23% 15.29% 13.58% 14.00% 15.22% 18.77% 17.28% 16.26% Provisions - 208.39 142.49 159.18 407.43 433.01 261.14 140.06 138.80 111.49 87.91 % Of Sales - 3.22% 2.66% 3.79% 11.60% 12.52% 7.38% 4.60% 5.75% 5.37% 5.18% EBITDA 1,158.52 930.01 816.40 704.57 453.26 509.40 543.06 550.72 439.54 345.75 291.39 EBITDA Margin 72.40% 44.15% 42.35% 41.03% 33.39% 39.59% 42.93% 47.92% 44.16% 43.38% 47.04% Depreciation 0.00 101.40 94.44 77.01 63.71 56.60 51.14 44.18 53.36 39.03 30.28 PBT 863.38 828.61 721.96 627.56 389.55 452.81 491.92 506.54 386.17 306.72 261.12 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 222.14 213.27 185.99 162.00 102.05 117.02 153.99 181.17 140.83 107.04 66.59 Tax Rate 25.73% 25.74% 25.76% 25.81% 26.20% 25.84% 31.30% 35.77% 36.47% 34.90% 25.50% PAT 641.24 615.33 535.97 465.56 287.50 335.79 337.94 325.37 245.34 199.68 194.52 PAT before Minority Interest 641.24 615.33 535.97 465.56 287.50 335.79 337.94 325.37 245.34 199.68 194.52 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 21.13% 21.54% 22.31% 21.89% 15.89% 19.38% 20.41% 21.70% 18.79% 19.09% 23.16% PAT Growth 18.66% 14.81% 15.12% 61.93% -14.38% -0.64% 3.86% 32.62% 22.87% 2.65% EPS 20.39 19.57 17.04 14.80 9.14 10.68 10.75 10.35 7.80 6.35 6.19

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 5,690.68 5,071.27 4,566.11 4,048.82 3,758.59 3,422.15 3,115.60 2,807.83 2,204.88 1,792.17 Share Capital 314.29 312.80 311.50 310.98 310.54 310.42 309.55 308.08 285.36 284.44 Total Reserves 5,373.41 4,755.06 4,251.53 3,736.53 3,447.10 3,110.76 2,804.90 2,498.34 1,917.93 1,506.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 60,030.95 49,353.03 41,238.91 34,691.69 29,703.86 30,369.93 28,435.11 24,006.86 19,289.21 14,925.99 Borrowings 9,115.18 6,219.48 4,118.12 4,081.84 4,482.25 3,407.95 2,723.20 1,926.71 1,275.81 1,147.90 Other Liabilities & Provisions 1,972.97 2,393.19 2,442.73 1,970.21 1,657.43 1,305.11 1,517.91 1,480.69 1,276.48 1,252.47 Total Liabilities 76,809.78 63,036.97 52,365.87 44,792.56 39,602.13 38,505.14 35,791.82 30,222.09 24,046.38 19,118.53 Net Block 831.96 841.10 782.67 608.36 568.51 545.87 525.98 494.02 488.57 248.02 Gross Block 1,524.24 1,435.80 1,291.62 1,049.23 960.92 885.28 821.35 748.67 691.83 414.09 Accumulated Depreciation 692.28 594.69 508.94 440.87 392.41 339.41 295.37 254.65 203.26 166.07 Total Non-Current Assets 74,793.80 61,066.17 50,155.19 42,898.37 37,758.74 37,178.53 34,731.45 29,421.65 23,316.60 18,394.31 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 66.44 23.78 43.60 52.82 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 2,507.49 2,866.93 2,030.60 3,107.50 1,182.89 1,029.80 1,317.22 1,136.39 858.30 703.37 Balance with banks and money at call 191.10 198.95 337.82 983.26 1,856.45 2,516.07 1,476.16 1,235.59 334.16 188.20 Investments 20,149.90 16,210.85 12,582.46 9,050.65 8,413.69 7,741.50 7,844.09 6,218.96 5,817.94 4,333.33 Advances 51,046.91 40,924.56 34,378.04 29,095.78 25,737.20 25,345.29 23,568.00 20,336.69 15,817.63 12,921.39 Other Assets 2,015.98 1,970.78 2,210.68 1,894.18 1,843.39 1,326.60 1,060.39 800.44 729.77 724.22 Total Assets 76,809.78 63,036.95 52,365.87 44,792.55 39,602.13 38,505.13 35,791.84 30,222.09 24,046.37 19,118.53 Contingent Liabilities 12,425.10 9,296.99 5,097.77 5,062.10 5,849.82 4,814.75 3,185.93 6,948.35 2,629.74 2,009.46 Bills for collection 492.57 611.73 534.16 554.63 469.54 431.99 392.30 409.32 434.53 455.26 Adjusted Book Value 171.96 152.74 136.95 122.91 113.55 102.57 92.72 82.96 68.22 61.19

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -441.00 484.92 -1,565.72 1,606.08 -1,502.13 170.70 -281.34 230.05 239.79 219.62 PBT 828.61 721.96 627.56 389.55 452.81 491.92 506.54 386.17 306.72 261.12 Adjustment 345.01 330.59 312.61 547.02 541.07 337.44 202.92 210.43 164.56 121.49 Adjustments for Liabilities & Assets -1,413.46 -427.98 -2,411.23 850.05 -2,302.38 -480.71 -778.94 -227.59 -112.50 -79.43 Refund/(Payment) of direct taxes -201.17 -139.65 -94.65 -180.55 -193.63 -177.96 -211.86 -138.97 -118.98 -83.56 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -2,791.71 -1,857.66 -164.76 -156.62 -79.37 -71.74 -76.42 -59.21 -71.10 -40.86 Net Fixed Assets -131.10 -124.36 -233.17 -141.13 -75.64 -63.93 -72.68 -56.84 -277.74 -37.14 Other Investment Activity -3448.34 -1624.34 -1491.84 -1181.42 -1032.66 -961.70 -880.56 -819.77 -732.69 -442.92 Cash from Financing Activity 2,865.42 2,070.21 8.14 -398.04 1,074.97 653.54 779.15 1,008.68 132.21 -6.35 Closing Cash & Equivalent 2,698.59 3,065.89 2,368.42 4,090.76 3,039.34 3,545.87 2,793.38 2,371.98 1,192.46 891.56 Net Cash Inflow / Outflow -367.30 697.46 -1,722.34 1,051.42 -506.53 752.49 421.39 1,179.52 300.90 172.41 Opening Cash & Equivalents 3,065.89 2,368.42 4,090.76 3,039.34 3,545.87 2,793.38 2,371.98 1,192.46 891.56 719.15

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 171.96 152.74 136.95 122.91 113.55 102.57 92.72 82.96 68.22 61.19 NIM 2.85 3.20 3.48 3.21 3.46 3.45 3.36 3.44 3.49 3.41 Yield on Advances 12.68 13.10 12.22 12.07 13.44 13.95 12.91 11.87 13.13 13.14 Yield on Investments 7.25 6.68 5.71 7.42 8.63 8.89 7.32 7.50 7.54 8.08 Cost of Liabilities 6.31 6.18 5.47 5.56 6.35 6.73 6.07 5.47 6.22 6.71 Interest Spread 6.36 6.92 6.74 6.51 7.08 7.23 6.83 6.40 6.91 6.43 ROCE 10.39% 10.86% 10.51% 8.05% 9.87% 11.69% 13.04% 12.55% 12.70% 11.61% Cost Income Ratio 63.70 64.01 63.00 55.96 48.87 54.53 56.88 59.79 60.02 58.45 Core Cost Income Ratio 67.74 64.95 63.28 58.34 53.00 56.76 58.38 61.95 62.74 61.55 Operating Costs to Assets 2.37 2.44 2.56 2.26 2.14 2.34 2.38 2.58 2.61 2.57 Loans/Deposits 0.15 0.13 0.10 0.12 0.15 0.11 0.10 0.08 0.07 0.08 Cash/Deposits 0.04 0.06 0.05 0.09 0.04 0.03 0.05 0.05 0.04 0.05 Investment/Deposits 0.34 0.33 0.31 0.26 0.28 0.25 0.28 0.26 0.30 0.29 Inc Loan/Deposits 15.18% 12.60% 9.99% 11.77% 15.09% 11.22% 9.58% 8.03% 6.61% 7.69% Credit Deposits 85.03% 82.92% 83.36% 83.87% 86.65% 83.46% 82.88% 84.71% 82.00% 86.57% Interest Expended / Interest earned 67.44% 64.05% 59.12% 61.36% 62.80% 64.23% 62.21% 58.75% 61.61% 63.53% Interest income / Total funds 8.42% 8.51% 8.02% 7.84% 8.73% 9.18% 8.50% 7.98% 8.63% 8.88% Interest Expended / Total funds 5.68% 5.45% 4.74% 4.81% 5.48% 5.90% 5.29% 4.69% 5.32% 5.64% CASA 24.52% 26.02% 26.42% 26.75% 22.85% 21.47% 23.95% 24.33% 24.31% 23.38%