DCB Bank Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Revenue grew 20.7% YoY
Concerns1
- Other income is 65.7% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ6.47 K Cr | β | βΉ615.00 Cr | β | β | β | 20.7% | 14.7% |
| Mar 2024 | βΉ5.36 K Cr | β | βΉ536.00 Cr | β | β | β | 27.7% | 15.0% |
| Mar 2023 | βΉ4.20 K Cr | β | βΉ466.00 Cr | β | β | β | 19.6% | 61.8% |
| Mar 2022 | βΉ3.51 K Cr | β | βΉ288.00 Cr | β | β | β | 1.6% | -14.3% |
| Mar 2021 | βΉ3.46 K Cr | β | βΉ336.00 Cr | β | β | β | -2.2% | -0.6% |
| Mar 2020 | βΉ3.54 K Cr | β | βΉ338.00 Cr | β | β | β | 16.3% | 4.0% |
| Mar 2019 | βΉ3.04 K Cr | β | βΉ325.00 Cr | β | β | β | 26.0% | 32.7% |
| Mar 2018 | βΉ2.41 K Cr | β | βΉ245.00 Cr | β | β | β | 16.2% | 22.5% |
| Mar 2017 | βΉ2.08 K Cr | β | βΉ200.00 Cr | β | β | β | 22.3% | 2.6% |
| Mar 2016 | βΉ1.70 K Cr | β | βΉ195.00 Cr | β | β | β | 19.4% | 2.1% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 7,049 |
| Finance Costs | 4,772 |
| Total Expenses | 2,205 |
| Financing Profit | 72 |
| Financing Margin % | 1% |
| Other Income | 825 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 897 |
| Tax % | - |
| Net Profit / PAT | 670 |
| EPS (βΉ) | 21.30 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| DCB Bank Limitedthis co. | βΉ5.93 K Cr | βΉ6.47 K Cr | 8.86 | 0.97 | 0.00 | 20.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |