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1. Is DCB Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that DCB Bank Ltd is a average quality company.
2. Is DCB Bank Ltd undervalued or overvalued?
The key valuation ratios of DCB Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is DCB Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of DCB Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||368||508||620||797||995||1,149||1,265||1,287||1,358||1,717||1,814|
|YoY Gr. Rt. %||-||38%||21.9%||28.7%||24.9%||15.5%||10.1%||1.7%||5.5%||26.5%||-|
|YoY Gr. Rt. %||-||25.4%||20.8%||21.2%||17.1%||24.5%||15.8%||-0.6%||1.6%||16.3%||-|
|Adj EPS (₹ )||6.1||6.8||6.8||7||8||10.5||10.9||10.8||9.3||15||15.9|
|YoY Gr. Rt. %||-||12.1%||0.9%||2.3%||13.7%||32%||3.6%||-0.7%||-14.4%||61.6%||-|
|BVPS (₹ )||43.9||54.4||61.2||68.2||83||92.7||102.6||113.6||122.9||137||140.9|
|YoY Gr. Rt. %||-||24%||12.5%||11.5%||21.6%||11.8%||10.6%||10.7%||8.2%||11.4%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||1.3||1.3||1.1||0.9||0.9||1||0.9||0.9||0.7||1||0|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0.9||1||0.8||0.8||0.7||0.7||1.2||2.3||2||1||1.2|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||18.7%||11.5%||10.7%||26.5%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||Mar'23||TTM|
|Interest Earned / Total Income||89.06||89.57||88.51||89.3||88.61||89.68||90.04||88.58||88.6||91.12||91.4|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||14.8||14.5||11.9||10.8||10.9||12||11.2||10||7.8||11.5||11|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 11.40%
Total Income has increased 5.48 CAGR in last 3 years
Net Profit has increased 11.14 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
No data to display
|TTM EPS (₹)||15.9||-|
|TTM Sales (₹ Cr.)||4,489||-|
|BVPS (₹.) ⓘ||140.9||-|
|Reserves (₹ Cr.) ⓘ||4,082||-|
|From the Market|
|52 Week Low / High (₹)||95.55 / 141.20|
|All Time Low / High (₹)||13.55 / 244.60|
|Market Cap (₹ Cr.)||3,891|
|Equity (₹ Cr.)||311.9|
|Face Value (₹)||10|
|Industry PE ⓘ||21.8|
DCB Bank is a new generation private sector bank. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure including state of the art internet banking for personal as well as business banking customers.
The Bank’s network of state-of-the-art, customer friendly branches are situated across Andhra Pradesh, Bihar, Chhattisgarh, Daman, Delhi/ NCR, Goa, Gujarat, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Silvassa, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand and West Bengal.
The bank has deep roots in India since its inception in 1930s. Its promoter and promoter group the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Ltd. holds below 15% stake. AKFED is an international development enterprise. It is dedicated to promoting entrepreneurship and building economically sound companies.
Business area of the bank
The bank’s business segments are Retail, micro-SME, SME, mid-Corporate, Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC).
Awards and recognition