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DCB Bank Ltd

Updated on January 15, 2020

Stock/Share Code - DCBBANK

DCB Bank, incorporated in Mumbai, India is a publicly held banking company engaged in providing banking and financial services and governed by the Banking Regulation Act, 1949 and the Companies Act, 2013.(Source : 201903 Annual Report Page No: 78)

Below is the details of DCBBANK DCB Bank Ltd

Market Cap₹5,653 Cr.
Current Price ₹174.65 as on 10 Dec 19
52 Week High / Low Price₹244.65 / ₹148
Face Value₹10
Stock P/E15.93
Book Value₹100.41
Dividend Yield0.55 %
ROCE7.61 %
ROE11.00 %
Sales Growth (3yrs)21.43 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio. Promoter holding is low: 14.90% Company has a low return on equity of 10.33% for last 3 years. Contingent liabilities of Rs.3578.23 Cr.

DCB Bank Ltd Price Chart

DCB Bank Ltd Price Chart

DCB Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹1,249.5 28.48 ₹698,110.04 Cr. 0.59 ₹6,638.03 Cr. 24.72 16.78 30016.88 7.69
2. ICICI Bank ₹528.7 49.55 ₹331,431.82 Cr. 0.19 ₹1,131.2 Cr. -6.09 22.54 21106.28 4.82
3. Kotak Mah. Bank ₹1,662.4 39.48 ₹308,573.58 Cr. 0.05 ₹2,407.25 Cr. 30.61 15.56 8418.75 7.92
4. Axis Bank ₹715.7 44.53 ₹208,369.08 Cr. 0.12 -₹21.58 Cr. -102.46 16.08 15712.66 5.70
5. IndusInd Bank ₹1,411.6 26.13 ₹108,745.93 Cr. 0.42 ₹1,383.37 Cr. 50.33 31.49 7150.36 7.62
6. Bandhan Bank ₹521.05 33.93 ₹93,577.04 Cr. ₹971.8 Cr. 99.28 67.55 2690.27 10.48
7. IDBI Bank ₹33.55 ₹39,186.74 Cr. 0.00 -₹3,448.88 Cr. 3.48 -2.96 5205.59 0.38
8. DCB Bank 15.93 ₹5,652.9 Cr. 0.55 ₹91.41 Cr. 24.47 19.51 879.20 7.61

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DCB Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue550549566587611649701736777827858879
Interest341329333339360385428454484526553566
Expenses195202218219237246248241254250266273
Employee Cost %14.36%14.85%15.98%15.69%15.88%15.66%15.49%14.98%14.19%12.68%13.55%13.04%
Financing Profit151816291318254139513940
Financing Margin %3%3%3%5%2%3%4%6%5%6%5%5%
Other Income6463856575858373949987101
Depreciation000000000000
Profit before tax79811019488103108114134150126141
Tax %35%35%35%37%35%38%36%36%36%36%36%35%
Net Profit515365595764707386968191
EPS in Rs1.801.852.171.911.852.082.262.382.783.112.622.95
Gross NPA %1.55%1.59%1.74%1.80%1.89%1.79%1.86%1.84%1.92%1.84%1.96%2.09%
Net NPA %0.74%0.79%0.92%0.90%0.87%0.72%0.72%0.70%0.71%0.65%0.81%0.96%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue5626454595367179161,1281,4221,6982,0762,4133,0413,341
Interest3884483173474896327609141,0791,2791,4181,8922,129
Expenses2983923062592582843374435497008669491,043
Manufacturing Cost %1.29%1.09%1.24%1.05%0.94%0.74%0.67%0.61%0.69%0.6%0.68%0.66%%
Employee Cost %17.27%16.18%19.18%19.84%17.38%15.05%13.92%13.78%14.43%14.84%15.8%14.27%%
Other Cost %34.46%43.42%46.29%27.38%17.69%15.2%15.31%16.72%17.22%18.28%19.42%16.27%%
Financing Profit-124-194-165-70-30031667097129201169
Financing Margin %-22%-30%-36%-13%-4%0%3%5%4%5%5%7%5%
Other Income17412310711298115138166220249310350382
Depreciation1315151312141823293953440
Profit before tax36-87-732955102151208261307386507551
Tax %-6%-2%-8%27%0%0%0%8%26%35%36%36%
Net Profit38-88-782155102151191195200245325355
EPS in Rs2.200.000.001.072.294.086.056.786.847.007.9610.5111.46
Dividend Payout %0%-0%-0%0%0%0%0%0%0%7%9%10%

Compounded Sales Growth

  • 10 Years:: 16.77%
  • 5 Years:: 21.94%
  • 3 Years:: 21.43%
  • TTM:: 23.89%

Compounded Profit Growth

  • 10 Years:: 18.60%
  • 5 Years:: 16.49%
  • 3 Years:: 18.67%
  • TTM:: 34.35%

Return on Equity

  • 10 Years:: 17.41%
  • 5 Years:: 11.33%
  • 3 Years:: 18.74%
  • 1 Year:: 16.16%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital174174200200241250250282284285308310
Equity Capital174.3174.3199.99200.17240.67250.11250.32282.01284.44285.36308.08309.55
Reserves4624243994196187509011,3031,5061,9182,4982,805
Borrowings6,5025,0925,2916,4717,4599,88911,18513,77316,07420,56525,93431,158
Other Liabilities4592672613353704016007921,2781,3021,5081,554
Total Liabilities7,5975,9586,1517,4258,68711,29112,93616,15019,14224,07130,24835,827
Fixed Assets100149136128126236239237248489494526
Gross Block158.25220.82204.07220.49215.39330.39349.7376.95414.09691.83748.67821.35
Accumulated Depreciation58.4771.968.3192.9989.594.3111.06140.27166.07203.26254.65295.37
CWIP0000593000000
Investments2,1351,6222,0182,2952,5183,3593,6343,9624,3335,8186,2197,844
Other Assets5,3634,1873,9985,0025,9857,6939,06311,95214,56117,76423,53527,457
Cash Equivalents1061.55660.22332.35487.11456.55883.25689.57719.15891.561192.462371.982793.38
Loans n Advances232.56252.74205.49233.68243.89223.26233.67767.35747.95753.94826.081095.71
Other Assets etc4068.83274.013459.714281.695284.426586.098140.210465.0612921.3915817.6420336.6923567.99
Total Assets7,5975,9586,1517,4258,68711,29112,93616,15019,14224,07130,24835,827

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity346-325-454207-40655490-496220240230-281
Profit from operations2.83100.0574.37108.43107.48150.15214.82310.74316.02471.28596.6709.46
Working Capital Changes343.57-419.76-525.9198.87-514.07-94.5273.24-806.47-162.99-112.5-227.59-778.94
Taxes paid0-5.49-2.32-0.690.79-0.381.69066.59-118.98-138.97-211.86
Cash from Investing Activity-26-10-4-6-73-71-19-29-41-71-59-76
Fixed Assets Purchased-40.79-17.91-4.28-10.59-73.92-72.3-19.9-29.78-41.93-71.59-59.58-78.18
Fixed Assets Sold14.837.930.614.240.80.961.150.951.070.490.371.76
Cash from Financing Activity273-66130-46448443-665554-61321,009779
Proceeds from Shares273.42082.930.62185.7840.60.78250.519.554.29376.2710.53
Proceeds from Borrowings0000288.73412.1718855.7700000
Repayment of Borrowings000000-19521.2300000
Dividends Paid0000000000-18.49-27.87
Net Cash Flow594-401-328155-31427-194301723011,180421

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %6%-15%-13%3%8%11%14%14%12%10%10%11%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.