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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

4,465.48
7.26
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

7,818.02
0.95%
0.83

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

19.33
19.69
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.86
9.66
23.07

PAT CAGR (%)

10 Years
5 Years
3 Years

0.83
0.82

P:E (Median)

8 Years
5 Years
3 Years

9.54
8.11
7.57

P:BV (Average)

8 Years
5 Years
3 Years

0.83
0.83
0.82

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.58
7.22
7.57

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 1,741.89 1,444.60 20.58% 1,671.05 1,374.10 21.61% 1,568.40 1,305.60 20.13% 1,489.25 1,237.74 20.32%
Interest Exp. 1,183.93 937.12 26.34% 1,128.18 900.11 25.34% 1,059.24 829.89 27.64% 992.67 767.02 29.42%
Net Interest Income 557.96 507.48 9.95% 542.87 473.99 14.53% 509.16 475.71 7.03% 496.58 470.72 5.49%
NIM 3.29 3.62 -9.12% 3.30 3.48 -5.17% 3.27 3.69 -11.38% 3.39 3.83 -11.49%
Other Income 218.82 136.22 60.64% 184.05 123.72 48.76% 204.64 107.35 90.63% 143.00 106.94 33.72%
Total Income 1,960.71 1,580.82 24.03% 1,855.10 1,497.82 23.85% 1,773.04 1,412.95 25.48% 1,632.25 1,344.68 21.39%
Operating Exp. 471.38 409.95 14.98% 455.81 386.20 18.02% 458.68 372.54 23.12% 434.21 368.99 17.68%
Operating Profit 305.40 233.75 30.65% 271.11 211.51 28.18% 255.12 210.52 21.19% 205.37 208.67 -1.58%
Provision 67.22 24.08 179.15% 67.18 41.00 63.85% 45.60 39.68 14.92% 28.39 37.73 -24.75%
PBT 238.18 209.67 13.60% 203.93 170.51 19.60% 209.52 170.84 22.64% 176.98 170.94 3.53%
PBTM 13.67 14.51 -5.79% 12.20 12.41 -1.69% 13.36 13.09 2.06% 11.88 13.81 -13.98%
TAX 61.11 53.99 13.19% 52.49 43.93 19.49% 54.05 44.05 22.70% 45.62 44.01 3.66%
PAT 177.07 155.68 13.74% 151.44 126.58 19.64% 155.47 126.79 22.62% 131.36 126.93 3.49%
PATM 10.17% 10.78% 9.06% 9.21% 9.91% 9.71% 8.82% 10.26%
EPS 5.63 4.98 13.05% 4.83 4.06 18.97% 4.96 4.06 22.17% 4.19 4.07 2.95%
Gross NPA 1,554.43 1,353.47 14.85% 1,517.18 1,367.62 10.94% 1,496.64 1,281.25 16.81% 1,434.55 1,181.38 21.43%
Gross NPA% 2.99 3.23 -7.43% 3.11 3.43 -9.33% 3.29 3.36 -2.08% 3.33 3.26 2.15%
Net NPA 571.55 454.33 25.80% 562.45 476.85 17.95% 521.28 476.43 9.41% 499.22 423.89 17.77%
Net NPA% 1.12 1.11 0.90% 1.18 1.22 -3.28% 1.17 1.28 -8.59% 1.18 1.19 -0.84%
CASA 24.52 26.02 -5.76% 25.09 26.13 -3.98% 25.61 25.04 2.28% 25.41 25.97 -2.16%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 2,106.57 1,927.90 1,717.00 1,357.50 1,286.61 1,264.91 1,149.29 995.43 797.09 619.50 508.22 Interest Earned 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 1,422.42 Interest Expended 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 1,078.96 914.20 Int. income Growth 9.27% 12.28% 26.48% 5.51% 1.72% 10.06% 15.46% 24.88% 28.67% 21.90% Other Income 750.51 474.24 409.39 452.04 445.83 391.09 350.16 310.28 248.85 220.46 165.72 Total Income 7,221.10 2,402.14 2,126.39 1,809.54 1,732.44 1,656.00 1,499.45 1,305.71 1,045.94 839.96 673.94 Total Expenditure 1,820.08 1,585.74 1,421.82 1,356.28 1,223.04 1,112.94 948.73 866.17 700.19 548.57 442.55 Employee Cost - 794.33 692.90 539.14 433.50 458.80 433.99 381.23 308.03 245.09 196.03 % Of Sales - 14.81% 16.50% 15.35% 12.54% 12.97% 14.27% 15.80% 14.84% 14.43% 13.78% Opt. & Establishment Exp. - 837.80 723.76 537.13 469.73 495.28 463.04 452.86 358.73 276.13 223.82 % Of Sales - 15.62% 17.23% 15.29% 13.58% 14.00% 15.22% 18.77% 17.28% 16.26% 15.74% Provisions - 142.49 159.18 407.43 433.01 261.14 140.06 138.80 111.49 87.91 69.42 % Of Sales - 2.66% 3.79% 11.60% 12.52% 7.38% 4.60% 5.75% 5.37% 5.18% 4.88% EBITDA 1,037.00 816.40 704.57 453.26 509.40 543.06 550.72 439.54 345.75 291.39 231.39 EBITDA Margin 71.87% 42.35% 41.03% 33.39% 39.59% 42.93% 47.92% 44.16% 43.38% 47.04% 45.53% Depreciation 0.00 94.44 77.01 63.71 56.60 51.14 44.18 53.36 39.03 30.28 23.36 PBT 828.61 721.96 627.56 389.55 452.81 491.92 506.54 386.17 306.72 261.12 208.03 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 213.27 185.99 162.00 102.05 117.02 153.99 181.17 140.83 107.04 66.59 16.85 Tax Rate 25.74% 25.76% 25.81% 26.20% 25.84% 31.30% 35.77% 36.47% 34.90% 25.50% 8.10% PAT 615.34 535.97 465.56 287.50 335.79 337.94 325.37 245.34 199.68 194.52 191.18 PAT before Minority Interest 615.34 535.97 465.56 287.50 335.79 337.94 325.37 245.34 199.68 194.52 191.18 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 21.54% 22.31% 21.89% 15.89% 19.38% 20.41% 21.70% 18.79% 19.09% 23.16% 28.37% PAT Growth 14.81% 15.12% 61.93% -14.38% -0.64% 3.86% 32.62% 22.87% 2.65% 1.75% EPS 19.58 17.05 14.81 9.15 10.68 10.75 10.35 7.81 6.35 6.19 6.08

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 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 1,588.58 Share Capital 312.80 311.50 310.98 310.54 310.42 309.55 308.08 285.36 284.44 282.01 Total Reserves 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 1,303.36 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 12,609.13 Borrowings 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 1,163.80 Other Liabilities & Provisions 2,393.19 2,442.73 1,970.21 1,657.43 1,305.11 1,517.91 1,480.69 1,276.48 1,252.47 770.79 Total Liabilities 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 16,132.30 Net Block 841.10 782.67 608.36 568.51 545.87 525.98 494.02 488.57 248.02 236.68 Gross Block 1,435.80 1,291.62 1,049.23 960.92 885.28 821.35 748.67 691.83 414.09 376.95 Accumulated Depreciation 594.69 508.94 440.87 392.41 339.41 295.37 254.65 203.26 166.07 140.27 Total Non-Current Assets 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 15,383.06 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 23.78 43.60 52.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 2,866.93 2,030.60 3,107.50 1,182.89 1,029.80 1,317.22 1,136.39 858.30 703.37 633.68 Balance with banks and money at call 198.95 337.82 983.26 1,856.45 2,516.07 1,476.16 1,235.59 334.16 188.20 85.47 Investments 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 3,962.17 Advances 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 10,465.06 Other Assets 1,970.78 2,210.68 1,894.18 1,843.39 1,326.60 1,060.39 800.44 729.77 724.22 749.23 Total Assets 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 16,132.29 Contingent Liabilities 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 2,456.57 Bills for collection 611.73 534.16 554.63 469.54 431.99 392.30 409.32 434.53 455.26 375.71 Adjusted Book Value 152.74 136.95 122.91 113.55 102.57 92.72 82.96 68.22 61.19 54.39

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -1,239.84 -1,565.72 1,606.08 -1,502.13 170.70 -281.34 230.05 239.79 219.62 -495.73 PBT 721.96 627.56 389.55 452.81 491.92 506.54 386.17 306.72 261.12 207.95 Adjustment 330.59 312.61 547.02 541.07 337.44 202.92 210.43 164.56 121.49 102.79 Adjustments for Liabilities & Assets -2,152.74 -2,411.23 850.05 -2,302.38 -480.71 -778.94 -227.59 -112.50 -79.43 -815.88 Refund/(Payment) of direct taxes -139.65 -94.65 -180.55 -193.63 -177.96 -211.86 -138.97 -118.98 -83.56 9.40 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 -132.90 -164.76 -156.62 -79.37 -71.74 -76.42 -59.21 -71.10 -40.86 -28.83 Net Fixed Assets -124.36 -233.17 -141.13 -75.64 -63.93 -72.68 -56.84 -277.74 -37.14 -27.25 Other Investment Activity -1624.34 -1491.84 -1181.42 -1032.66 -961.70 -880.56 -819.77 -732.69 -442.92 -395.70 Cash from Financing Activity 2,070.21 8.14 -398.04 1,074.97 653.54 779.15 1,008.68 132.21 -6.35 554.14 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow 697.46 -1,722.34 1,051.42 -506.53 752.49 421.39 1,179.52 300.90 172.41 29.58 Opening Cash & Equivalents 2,368.42 4,090.76 3,039.34 3,545.87 2,793.38 2,371.98 1,192.46 891.56 719.15 689.57

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 152.74 136.95 122.91 113.55 102.57 92.72 82.96 68.22 61.19 54.39 NIM 3.20 3.48 3.21 3.46 3.45 3.36 3.44 3.49 3.41 3.36 Yield on Advances 13.10 12.22 12.07 13.44 13.95 12.91 11.87 13.13 13.14 13.59 Yield on Investments 6.68 5.71 7.42 8.63 8.89 7.32 7.50 7.54 8.08 7.31 Cost of Liabilities 6.18 5.47 5.56 6.35 6.73 6.07 5.47 6.22 6.71 6.64 Interest Spread 6.92 6.74 6.51 7.08 7.23 6.83 6.40 6.91 6.43 6.95 ROCE 10.86% 10.51% 8.05% 9.87% 11.69% 13.04% 12.55% 12.70% 11.61% 11.81% Cost Income Ratio 64.01 63.00 55.96 48.87 54.53 56.88 59.79 60.02 58.45 58.83 Core Cost Income Ratio 64.95 63.28 58.34 53.00 56.76 58.38 61.95 62.74 61.55 61.35 Operating Costs to Assets 2.44 2.56 2.26 2.14 2.34 2.38 2.58 2.61 2.57 2.46 Loans/Deposits 0.13 0.10 0.12 0.15 0.11 0.10 0.08 0.07 0.08 0.09 Cash/Deposits 0.06 0.05 0.09 0.04 0.03 0.05 0.05 0.04 0.05 0.05 Investment/Deposits 0.33 0.31 0.26 0.28 0.25 0.28 0.26 0.30 0.29 0.31 Inc Loan/Deposits 12.60% 9.99% 11.77% 15.09% 11.22% 9.58% 8.03% 6.61% 7.69% 9.23% Credit Deposits 82.92% 83.36% 83.87% 86.65% 83.46% 82.88% 84.71% 82.00% 86.57% 83.00% Interest Expended / Interest earned 64.05% 59.12% 61.36% 62.80% 64.23% 62.21% 58.75% 61.61% 63.53% 64.27% Interest income / Total funds 8.51% 8.02% 7.84% 8.73% 9.18% 8.50% 7.98% 8.63% 8.88% 8.82% Interest Expended / Total funds 5.45% 4.74% 4.81% 5.48% 5.90% 5.29% 4.69% 5.32% 5.64% 5.67% CASA 26.02% 26.42% 26.75% 22.85% 21.47% 23.95% 24.33% 24.31% 23.38% 23.40%