DCB Bank Limited Logo

DCB Bank Limited

DCBBANK.NS

(3.0)
Stock Price

119,44 INR

0% ROA

10.9% ROE

6.81x PER

Market Cap.

36.854.117.160,00 INR

0% DER

1.06% Yield

12.31% NPM

DCB Bank Limited Stock Analysis

DCB Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

DCB Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.74x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

The stock's ROE falls within an average range (11.03%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.81%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (621), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 DER

The stock is burdened with a heavy load of debt (108%), making it financially unstable and potentially risky for investors.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

DCB Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

DCB Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

DCB Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

DCB Bank Limited Revenue
Year Revenue Growth
2004 1.609.831.000
2005 1.554.785.000 -3.54%
2006 2.120.452.000 26.68%
2007 3.486.735.000 39.19%
2008 3.173.738.000 -9.86%
2009 2.490.723.000 -27.42%
2010 3.012.369.000 17.32%
2011 3.332.551.000 9.61%
2012 4.034.875.000 17.41%
2013 5.076.718.000 20.52%
2014 6.734.156.000 24.61%
2015 8.367.630.000 19.52%
2016 10.468.858.000 20.07%
2017 12.999.923.000 19.47%
2018 14.975.985.000 13.19%
2019 16.582.207.000 9.69%
2020 17.374.049.000 4.56%
2021 18.097.748.000 4%
2022 21.264.000.000 14.89%
2023 23.322.400.000 8.83%
2023 58.362.800.000 60.04%
2024 65.290.000.000 10.61%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

DCB Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

DCB Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 163.807.000
2005 153.268.000 -6.88%
2006 166.717.000 8.07%
2007 218.788.000 23.8%
2008 240.259.000 8.94%
2009 170.272.000 -41.1%
2010 196.760.000 13.46%
2011 86.170.000 -128.34%
2012 74.929.000 -15%
2013 100.915.000 25.75%
2014 218.270.000 53.77%
2015 58.253.000 -274.69%
2016 202.713.000 71.26%
2017 78.885.000 -156.97%
2018 111.291.000 29.12%
2019 128.074.000 13.1%
2020 84.028.000 -52.42%
2021 119.082.000 29.44%
2022 170.233.000 30.05%
2023 0 0%
2023 213.158.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

DCB Bank Limited EBITDA
Year EBITDA Growth
2004 1.284.716.000
2005 1.261.219.000 -1.86%
2006 2.681.217.000 52.96%
2007 4.596.068.000 41.66%
2008 3.917.076.000 -17.33%
2009 2.654.580.000 -47.56%
2010 3.912.186.000 32.15%
2011 5.657.556.000 30.85%
2012 7.474.229.000 24.31%
2013 9.292.413.000 19.57%
2014 11.455.917.000 18.89%
2015 13.703.637.000 16.4%
2016 16.248.119.000 15.66%
2017 18.570.931.000 12.51%
2018 24.429.195.000 23.98%
2019 4.919.231.000 -396.61%
2020 4.528.050.000 -8.64%
2021 3.895.496.000 -16.24%
2022 6.275.579.000 37.93%
2023 6.833.600.000 8.17%
2023 944.400.000 -623.59%
2024 173.104 -545467.98%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

DCB Bank Limited Gross Profit
Year Gross Profit Growth
2004 1.609.831.000
2005 1.554.785.000 -3.54%
2006 2.120.452.000 26.68%
2007 3.486.735.000 39.19%
2008 3.173.738.000 -9.86%
2009 2.490.723.000 -27.42%
2010 3.012.369.000 17.32%
2011 3.332.551.000 9.61%
2012 4.034.875.000 17.41%
2013 5.076.718.000 20.52%
2014 6.734.156.000 24.61%
2015 8.367.630.000 19.52%
2016 10.468.858.000 20.07%
2017 12.999.923.000 19.47%
2018 14.975.985.000 13.19%
2019 16.582.207.000 9.69%
2020 17.374.049.000 4.56%
2021 18.097.748.000 4%
2022 21.264.000.000 14.89%
2023 23.322.400.000 8.83%
2023 58.362.800.000 60.04%
2024 65.290.000.000 10.61%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

DCB Bank Limited Net Profit
Year Net Profit Growth
2004 -1.629.145.000
2005 -852.608.000 -91.08%
2006 73.719.000 1256.56%
2007 383.301.000 80.77%
2008 -880.955.000 143.51%
2009 -784.501.000 -12.29%
2010 214.291.000 466.09%
2011 550.770.000 61.09%
2012 1.020.624.000 46.04%
2013 1.513.605.000 32.57%
2014 1.911.832.000 20.83%
2015 1.945.237.000 1.72%
2016 1.996.752.000 2.58%
2017 2.453.426.000 18.61%
2018 3.253.661.000 24.59%
2019 3.379.361.000 3.72%
2020 3.357.898.000 -0.64%
2021 2.875.043.000 -16.79%
2022 4.655.589.000 38.25%
2023 5.071.600.000 8.2%
2023 5.359.745.000 5.38%
2024 5.254.400.000 -2%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

DCB Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 -21
2005 -11 -90.91%
2006 1 0%
2007 2 100%
2008 -5 140%
2009 -4 -25%
2010 1 500%
2011 3 50%
2012 4 50%
2013 6 33.33%
2014 7 14.29%
2015 7 -16.67%
2016 7 14.29%
2017 8 12.5%
2018 11 20%
2019 11 0%
2020 11 0%
2021 9 -11.11%
2022 15 35.71%
2023 16 12.5%
2023 17 5.88%
2024 17 -6.25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

DCB Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 -2.848.929.000
2005 -1.107.053.000 -157.34%
2006 -324.651.000 -241%
2007 3.056.214.000 110.62%
2008 -3.413.851.000 189.52%
2009 -4.581.435.000 25.49%
2010 1.960.247.000 333.72%
2011 -1.909.873.000 202.64%
2012 -170.283.000 -1021.59%
2013 4.698.488.000 103.62%
2014 -5.254.904.000 189.41%
2015 1.776.885.000 395.74%
2016 1.682.070.000 -5.64%
2017 1.704.639.000 1.32%
2018 -3.595.227.000 147.41%
2019 977.818.000 467.68%
2020 -15.823.810.000 106.18%
2021 14.485.965.000 209.24%
2022 -17.322.300.000 183.63%
2023 9.956.000.000 273.99%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

DCB Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -2.755.642.000
2005 -1.046.464.000 -163.33%
2006 -193.970.000 -439.5%
2007 3.464.056.000 105.6%
2008 -3.234.742.000 207.09%
2009 -4.538.634.000 28.73%
2010 2.066.088.000 319.67%
2011 -1.170.653.000 276.49%
2012 552.663.000 311.82%
2013 4.897.501.000 88.72%
2014 -4.957.104.000 198.8%
2015 2.196.153.000 325.72%
2016 2.397.950.000 8.42%
2017 2.300.472.000 -4.24%
2018 -2.813.392.000 181.77%
2019 1.706.973.000 264.82%
2020 -15.021.263.000 111.36%
2021 16.060.751.000 193.53%
2022 -15.657.200.000 202.58%
2023 11.308.400.000 238.46%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

DCB Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 93.287.000
2005 60.589.000 -53.97%
2006 130.681.000 53.64%
2007 407.842.000 67.96%
2008 179.109.000 -127.71%
2009 42.801.000 -318.47%
2010 105.841.000 59.56%
2011 739.220.000 85.68%
2012 722.946.000 -2.25%
2013 199.013.000 -263.27%
2014 297.800.000 33.17%
2015 419.268.000 28.97%
2016 715.880.000 41.43%
2017 595.833.000 -20.15%
2018 781.835.000 23.79%
2019 729.155.000 -7.22%
2020 802.547.000 9.14%
2021 1.574.786.000 49.04%
2022 1.665.100.000 5.42%
2023 1.352.400.000 -23.12%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

DCB Bank Limited Equity
Year Equity Growth
2004 1.994.286.000
2005 1.641.877.000 -21.46%
2006 3.357.945.000 51.1%
2007 6.396.454.000 47.5%
2008 5.983.360.000 -6.9%
2009 6.011.054.000 0.46%
2010 6.214.899.000 3.28%
2011 8.613.665.000 27.85%
2012 10.030.593.000 14.13%
2013 11.539.594.000 13.08%
2014 15.885.753.000 27.36%
2015 17.921.718.000 11.36%
2016 22.048.840.000 18.72%
2017 28.078.319.000 21.47%
2018 31.156.012.000 9.88%
2019 34.221.517.000 8.96%
2020 37.585.879.000 8.95%
2021 40.488.243.000 7.17%
2022 45.661.100.000 11.33%
2023 50.712.700.000 9.96%
2023 47.838.800.000 -6.01%
2024 50.712.696.000 5.67%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

DCB Bank Limited Assets
Year Assets Growth
2004 46.594.572.000
2005 37.417.226.000 -24.53%
2006 52.623.545.000 28.9%
2007 75.774.818.000 30.55%
2008 59.430.180.000 -27.5%
2009 61.366.652.000 3.16%
2010 73.723.400.000 16.76%
2011 86.768.473.000 15.03%
2012 112.788.239.000 23.07%
2013 129.231.372.000 12.72%
2014 161.323.080.000 19.89%
2015 191.185.231.000 15.62%
2016 240.463.786.000 20.49%
2017 302.220.921.000 20.43%
2018 357.918.325.000 15.56%
2019 385.051.407.000 7.05%
2020 396.021.289.000 2.77%
2021 448.401.416.000 11.68%
2022 523.658.700.000 14.37%
2023 630.369.700.000 16.93%
2023 577.102.200.000 -9.23%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

DCB Bank Limited Liabilities
Year Liabilities Growth
2004 44.600.286.000
2005 35.775.349.000 -24.67%
2006 49.265.600.000 27.38%
2007 69.378.364.000 28.99%
2008 53.446.820.000 -29.81%
2009 55.355.598.000 3.45%
2010 67.508.501.000 18%
2011 78.154.808.000 13.62%
2012 102.757.646.000 23.94%
2013 117.691.778.000 12.69%
2014 145.437.327.000 19.08%
2015 173.263.513.000 16.06%
2016 218.414.946.000 20.67%
2017 274.142.602.000 20.33%
2018 326.762.313.000 16.1%
2019 350.829.890.000 6.86%
2020 358.435.410.000 2.12%
2021 407.913.173.000 12.13%
2022 477.997.600.000 14.66%
2023 579.657.000.000 17.54%
2023 51.897.900.000 -1016.92%
2024 0 0%

DCB Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
140.14
Net Income per Share
17.25
Price to Earning Ratio
6.81x
Price To Sales Ratio
0.84x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
0.84
EV Over EBITDA
10.8
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.15
FreeCashFlow Yield
0
Market Cap
36,85 Bil.
Enterprise Value
36,85 Bil.
Graham Number
250.71
Graham NetNet
0

Income Statement Metrics

Net Income per Share
17.25
Income Quality
0
ROE
0.11
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.74
EBT Per Ebit
1.4
Ebit per Revenue
0.12
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.12
Pretax Profit Margin
0.17
Net Profit Margin
0.12

Dividends

Dividend Yield
0.01
Dividend Yield %
1.06
Payout Ratio
0
Dividend Per Share
1.25

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
161.91
Interest Debt per Share
116.85
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
4,91 Bil.
Average Payables
3,08 Bil.
Average Inventory
10420575000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

DCB Bank Limited Dividends
Year Dividends Growth
2017 1
2018 1 0%
2019 1 100%
2022 1 0%
2023 1 0%
2024 1 0%

DCB Bank Limited Profile

About DCB Bank Limited

DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury Operations segment engages in various financial markets activities undertaken on behalf of the company's customers, proprietary trading, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions. The Wholesale Banking segment's activities include lending, deposit taking, and other services offered to corporate customers. The Retail Banking segment's activities comprise lending, deposit taking, and other services offered to retail customers. The Other Banking Operations segment provides para banking services, such as third-party product distribution, merchant banking, etc. As of May 07, 2022, it operated through a network of 400 branches in India. The company was formerly known as Development Credit Bank Limited and changed its name to DCB Bank Limited in October 2013. DCB Bank Limited was incorporated in 1995 and is based in Mumbai, India.

CEO
Mr. Praveen Achuthan Kutty B.C
Employee
11.268
Address
601 & 602, Tower A
Mumbai, 400013

DCB Bank Limited Executives & BODs

DCB Bank Limited Executives & BODs
# Name Age
1 Mr. Ajit Kumar Singh
Head of Treasury and Financial Institutions Group & Chief Investor Relationship Officer
70
2 Mr. Ajay Mathur B.A.
Head of Collections & Commercial Vehicles
70
3 Mr. Krishnan Sridhar Seshadri CAIIB, M.Com
Whole-Time Director
70
4 Mr. Gaurav Mehta
Head Marketing, PR, Corporate Communications & CSR
70
5 Mr. Murali Mohan Rao Manduva
Chief Technology Officer
70
6 Mr. Manoj Joshi
Chief Compliance Officer & Chief Internal Vigilance
70
7 Ms. Ashu Sawhney
Head of Human Resources
70
8 Mr. Abhijit Bose B.Com., CA (Inter)
Chief Credit Officer
70
9 Mr. Praveen Achuthan Kutty B.Com., MBA
Chief Executive Officer, MD & Additional Director
70
10 Mr. Ravi Kumar Vadlamani
Chief Financial Officer
70

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