DCB Bank Limited
₹192.50-₹7.00 (-3.5%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹5,931 Cr
- P/E
- 8.9x
- Revenue
- ₹6,471 Cr
- ROCE
- 0.3%
Price chart
Technical chartScreen technicals →+24.4% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -5.4%
- 3M
- +2.7%
- 6M
- +3.1%
- 1Y
- +24.4%
- 5Y
- +94.2%
52-week range
Day change -₹7.00 (-3.5%) from ₹200 to ₹193 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in DCBBANK, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Revenue grew 20.7% YoY
Concerns1
- Other income is 65.7% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
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DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers deposit products, including current and saving, NRI, recurring, and fixed deposit accounts; debit, travel smart, and credit cards; and payment services, such as bill/utility payment, remittances, tax payment, and POS terminal services, as well as IMPS, RTGS, NEFT, and UPI services. It also provides secured lending services, including loan against property, overdraft/working capital, co-lending, commercial vehicle, construction equipment and finance, dealer trade advances, kisan credit card, school finance, and retail microfinance; and home, auto, gold, tractor, and term loans, as well as ODTD services. In addition, the company offers corporate banking services, which include trade current accounts, foreign exchange, guarantee, import and export, letter of credit, supply chain, bill collection, and invoice discounting services; and capital management services comprising working capital and cash management services. Further, the company provides life, general, and health insurance products, as well as mutual funds; and locker facility and ASBA online services. DCB Bank Limited was incorporated in 1995 and is headquartered in Mumbai, India.
- Sector
- Financial Services
- Shares outstanding
- 32.2 Cr shares
- ISIN
- INE503A01015
- BSE code
- 532772
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹5,931 Cr
- P/E
- 8.9x
- P/B
- 1.0x
- Earnings yield
- 11.3%
- 52-week high
- ₹229.60
- 52-week low
- ₹144.55
Profitability
- ROE
- 10.8%
- ROCE
- 0.3%
- Dividend payout
- 7.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 65.7%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹6,471 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 20.7%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 8.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹474 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 15.9%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 14.7%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 9.7%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹485 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -131.0%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹367 Cr
Solvency and efficiency
- CFO / Net profit
- 0.90
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹10 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹4,364 Cr |
| Revenue | Expenses | ₹1,927 Cr |
| Revenue | Financing profit | ₹180 Cr |
| Financing profit | Depreciation | ₹101 Cr |
| Financing profit | Profit before tax | ₹79 Cr |
| Other income | Profit before tax | ₹751 Cr |
| Profit before tax | Tax and other | ₹214 Cr |
| Profit before tax | Net profit | ₹615 Cr |
Revenue and net profit
Revenue grew 20.7% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹3,458 Cr | ₹336 Cr |
| FY2022 | ₹3,513 Cr | ₹288 Cr |
| FY2023 | ₹4,200 Cr | ₹466 Cr |
| FY2024 | ₹5,362 Cr | ₹536 Cr |
| FY2025 | ₹6,471 Cr | ₹615 Cr |
Cash flows
FY2025: -₹441 Cr from operations, -₹3,233 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹1,502 Cr | -₹1,581 Cr |
| FY2022 | ₹1,606 Cr | ₹1,449 Cr |
| FY2023 | -₹1,566 Cr | -₹1,731 Cr |
| FY2024 | ₹485 Cr | -₹1,373 Cr |
| FY2025 | -₹441 Cr | -₹3,233 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹6,471 Cr+20.7%1Y
- Net profit
- ₹615 Cr+14.7%1Y
- Cash from operations
- -₹441 Cr-190.9%1Y
- Free cash flow
- -₹3,233 Cr
- Revenue CAGR, 5Y
- 8.7%
- EBITDA CAGR, 5Y
- 3.9%
- Net profit CAGR, 5Y
- 9.7%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹6,471 Cr | ₹180 Cr | — | ₹615 Cr | -₹441 Cr | -₹3,233 Cr | — | +20.7% | +14.7% |
Monthly returns
Month-by-month returns of DCBBANK across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹76,810 Cr |
| Equity capital | ₹314 Cr |
| Reserves | ₹5,376 Cr |
| Deposits | ₹60,031 Cr |
| Borrowings | ₹9,115 Cr |
| Other liabilities | ₹1,973 Cr |
| Assets | ₹76,810 Cr |
| Fixed assets | ₹832 Cr |
| Capital work in progress | ₹66 Cr |
| Investments | ₹20,150 Cr |
| Other assets | ₹55,761 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
DCBBANK trades at 8.9x earnings against a peer median of 26.9x (a 67% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| DCB Bank LimitedDCBBANKthis companyP/E ↓ discount | ₹5,931 Cr | 8.9x | 1.0x | 10.8% | — |
| Karnataka Bank Ltd.KTKBANK | ₹7,044 Cr | 6.1x | 0.6x | 10.5% | — |
| Fedbank Financial Services LimitedFEDFINA | ₹6,065 Cr | 24.7x | 2.2x | 8.8% | — |
| ICRA LimitedICRA | ₹5,761 Cr | 42.9x | 7.1x | 18.4% | 36.1x |
| MAS Financial Services LimitedMASFIN | ₹5,668 Cr | 17.0x | 2.0x | 11.8% | — |
| Canara Robeco Asset Management Company LimitedCRAMC | ₹5,595 Cr | 29.6x | — | 31.8% | 27.7x |
| Pilani Investment And Industries Corporation LimitedPILANIINVS | ₹5,445 Cr | 51.4x | 0.3x | 1.1% | 20.2x |
| INFIBEAM AVENUES LIMITEDCCAVENUE | ₹5,344 Cr | 41.1x | 1.1x | 4.8% | 19.1x |
| CARE Ratings LimitedCARERATING | ₹4,862 Cr | 30.5x | 5.3x | 17.2% | 27.8x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
DCBBANK since 1 January, against earlier years.
Historical volatility
DCBBANK's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 2.0% |
| FY2022 | 0.0% |
| FY2023 | 7.0% |
| FY2024 | 6.0% |
| FY2025 | 3.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹6,471 Cr |
| Costs | |
| Interest | ₹4,364 Cr |
| Expenses | ₹1,927 Cr |
| Financing profitFinancing Profit | ₹180 Cr |
| Financing marginFinancing Margin % | 3.0% |
| Other income and charges | |
| Profit before tax | ₹829 Cr |
| Tax | |
| Net profitNet Profit | ₹615 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹76,810 Cr |
| Equity capitalEquity Capital | ₹314 Cr |
| Reserves | ₹5,376 Cr |
| Deposits | ₹60,031 Cr |
| BorrowingsBorrowing | ₹9,115 Cr |
| Other liabilitiesOther Liabilities | ₹1,973 Cr |
| AssetsTotal Assets | ₹76,810 Cr |
| Fixed assetsFixed Assets | ₹832 Cr |
| Capital work in progressCWIP | ₹66 Cr |
| Investments | ₹20,150 Cr |
| Other assetsOther Assets | ₹55,761 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹441 Cr |
| Investing cash flowCash from Investing Activity | -₹2,792 Cr |
| Financing cash flowCash from Financing Activity | ₹2,865 Cr |
| Change in cashNet Cash Flow | -₹367 Cr |
Learn while you research
Academy chapters picked for DCB Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Value InvestingA P/E of 8.9 could be a value opportunity, or a value trap. Know the difference.7 min read
- 04 Growth Investing21% revenue growth is in the top tier, learn how to value growth.7 min read
- 05 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 06 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read