DCB Bank Limited
Fundamental Score
DCB Bank Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of DCBBANK across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (67.34%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 8.85 vs Industry: 15.23)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Strong Revenue Growth (16.22%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (12.84% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Institutional Confidence (FII+DII: 42.42%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Suboptimal ROCE (7.67%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 11.85)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.19x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-2086.23 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (14.66%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for DCB Bank Limited
About DCBBANK
Business Overview
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.
Company Details
Key Leadership
Corporate Events
DCBBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of DCB Bank Limited (DCBBANK)?
As of 29 Jan 2026, 10:32 am IST, DCB Bank Limited (DCBBANK) is currently trading at ₹201.39. The stock has a market capitalization of ₹5.93K (Cr).
Is DCBBANK share price Overvalued or Undervalued?
DCBBANK is currently trading at a P/E ratio of 8.85x, compared to the industry average of 15.23x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the DCB Bank Limited share price?
Key factors influencing DCBBANK's price include its quarterly earnings growth (Sales Growth: 16.22%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is DCB Bank Limited a good stock for long-term investment?
DCB Bank Limited shows a 5-year Profit Growth of 12.70% and an ROE of 11.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 11.85 before investing.
How does DCB Bank Limited compare with its industry peers?
DCB Bank Limited competes with major peers in the Private Sector Bank. Investors should compare DCBBANK's P/E of 8.85x and ROE of 11.43% against the industry averages to determine its competitive standing.
What is the P/E ratio of DCBBANK and what does it mean?
DCBBANK has a P/E ratio of 8.85x compared to the industry average of 15.23x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹9 for every ₹1 of annual earnings.
How is DCBBANK performing according to Bull Run's analysis?
DCBBANK has a Bull Run fundamental score of 36.5/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does DCBBANK belong to?
DCBBANK operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting DCB Bank Limited.
What is Return on Equity (ROE) and why is it important for DCBBANK?
DCBBANK has an ROE of 11.43%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently DCB Bank Limited generates profits from shareholders' equity.
How is DCBBANK's debt-to-equity ratio and what does it indicate?
DCBBANK has a debt-to-equity ratio of 11.85, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is DCBBANK's dividend yield and is it a good dividend stock?
DCBBANK offers a dividend yield of 0.73%, which means you receive ₹0.73 annual dividend for every ₹100 invested.
How has DCBBANK grown over the past 5 years?
DCBBANK has achieved 5-year growth rates of: Sales Growth 12.84%, Profit Growth 12.70%, and EPS Growth 12.42%.
What is the promoter holding in DCBBANK and why does it matter?
Promoters hold 14.66% of DCBBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is DCBBANK's market capitalization category?
DCBBANK has a market capitalization of ₹5928 crores, placing it in the Mid-cap category.
How volatile is DCBBANK stock?
DCBBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for DCBBANK?
DCBBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is DCBBANK's operating profit margin trend?
DCBBANK has a 5-year average Operating Profit Margin (OPM) of 67.34%, indicating the company's operational efficiency.
How is DCBBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 16.22% and YoY Profit Growth of 18.29%.
What is the institutional holding pattern in DCBBANK?
DCBBANK has FII holding of 10.49% and DII holding of 31.93%. Significant institutional holding often suggests professional confidence in the stock.