BSE: DCBBANK - DCB Bank Limited

Yield per half year: -6.81%
Dividend yield: +0.89%
Sector: Financials

Reporting DCB Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				55.57								35.19	55.57	0.00
Выручка, млрд ₹			7.52	10.47	13	14.98	16.58	17.37	18.1	21.26	24	24	19.46	7.68
Чистая прибыль, млрд ₹			1.95	2	2.45	3.25	3.38	3.36	2.88	4.66	5.36	5.36	3.93	9.66
EV, млрд ₹				56.41		67.99	27.5	49.92	28.34	49.66	70.03	70.03	45.09	20.56
Баланс стоимость, млрд ₹			17.92	22.05	28.08	31.16	34.22	37.59	40.49	45.66	50.71	50.71	41.73	8.18
FCF, млрд ₹					1.7	-3.6	0.9778	-15.82	14.49	-17.32	-13.75	-13.75	-6.2844	-269.67
Операционный денежный поток, млрд ₹			-20.97	-41.23	-44.88	-47.1	-17.64	-8.36	-33.82	-81.13	-12.4	-12.4	-30.6700	-6.81
Операционная прибыль, млрд ₹	1.51	2.08	2.61	3.07	3.86	5.07							3.34	19.51
Операционные расходы, млрд ₹	3.19	3.96	4.91	6.31	7.79	8.53							6.30	16.59
CAPEX, млрд ₹			0.4193	0.7159	0.5958	0.7818	0.7292	0.8025	1.57	1.67	1.35	1.35	1.22	13.11

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹		58.23																								58.23	0.00
Выручка, млрд ₹																4.66	5.1	5.41	6.08	5.78	5.83	5.93	6.42	6.4	7.14	6.34	4.14
Чистая прибыль, млрд ₹																0.9715	1.12	1.14	1.42	1.27	1.27	1.27	1.56	1.31	1.55	1.39	4.07
EV, млрд ₹													49.92	29.97	28.34		43.43		49.66		64.14		70.03		75.4	60.53	11.66
Баланс стоимость, млрд ₹											34.22	35.84	37.59	38.58	40.49		42.3		45.66		47.84		50.71		53.51	48.00	4.81
Операционная прибыль, млрд ₹	0.942	0.8829	1.03	1.08	1.14	1.34	1.5	1.26	1.41	1.31																1.36	-0.45
Операционные расходы, млрд ₹	1.89	2.03	2.07	2.14	2.09	2.14	2.15	2.25	2.3	2.26																2.22	1.10

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			3.34	11.92	23.97	27.93	35.46	30.39	40.91	23.68	30.66	30.66	32.22	-2.87
Short Term Investments ₹	6.24	1.96	1.58		0.2475								2.51	-55.37
Long term investments ₹	30.11	37.66	41.76	58.18	61.94	78.44	77.42	84.14	90.98	125.82			91.36	9.91
Total Current Assets ₹		10.21	11.45	13.34	25.17	29.62	37.43	35.15	47.55	30.7		30.7	36.09	0.72
Чистые активы, млрд ₹		2.31	2.38	4.76	4.77	4.99	5.2	5.18	6.13	7.68		7.68	5.84	9.01
Активы, млрд ₹			191.19	240.46	302.22	357.92	385.05	396.02	448.4	523.66	630.37	630.37	476.70	10.36
Short Term Debt ₹	8.6	6.96	3.87	7.05	3.76	5.98							5.52	-2.99
Long Term Debt ₹	4.7	4.68	7.61	5.71	15.51	21.26							10.95	35.35
Задолженность, млрд ₹			173.26	218.41	274.14	326.76	350.83	358.44	407.91	478	579.66	579.66	434.97	10.56
Чистый долг, млрд ₹					1.48	4.73	1.29	18.15	5.81	17.5	32.34	32.34	15.02	90.47
Долг, млрд ₹	13.31	11.64	11.48	12.76	19.27	27.23						41.18	16.48	18.53
Interest income ₹				20.76	24.13	30.41	35.37	34.58	35.13	42			35.50	6.67
Расходы на обслуживание долга ₹						18.92	22.72	21.72	21.55	24.83	34.34	34.34	25.03	8.61
Чист. проц. доходы, млрд ₹				7.97	9.95	11.49	12.65	12.87	13.58	17.17	53.62	42	21.98	33.49

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹										35.46	33.26	30.39	38.39		40.91		23.34		23.68		26.92		30.66		31.25	27.17	6.01
Short Term Investments ₹					0.2475																					0.2475	0.00
Long term investments ₹								78.44	78.44	77.42	74.81	84.14	86.26		90.98		104.73		125.82		146.76					110.91	11.21
Total Receivables ₹			4.37		12.36		8.98		13.43																	9.79	32.40
Total Current Assets ₹	13.34		15.16		25.17		20.1	29.62	27.17	37.43							23.34		30.7							29.65	0.72
Чистые активы, млрд ₹	4.76		4.9		4.77		4.96	4.99	5.28	5.2							6.8		7.68							5.99	9.01
Активы, млрд ₹										385.05	375.57	396.02	414.75		448.4		467.82		523.66		577.1		630.37		689.55	577.70	8.07
Short Term Debt ₹	12.76	12.76	14.21	14.21	3.76	19.27	20.11	5.98																		12.67	-15.90
Long Term Debt ₹	5.71		14.21		15.51		20.11	21.26	27.84																	19.79	14.40
Задолженность, млрд ₹										350.83	339.73	358.44	376.17		407.91		425.52		478		529.26		579.66		636.04	529.70	8.37
Чистый долг, млрд ₹											4.37	18.15	2.03		5.81		11.81		17.5		24.98		32.34		36.95	24.72	25.62
Долг, млрд ₹	18.47		28.42		19.27		40.22	27.23																		26.72	8.07
Interest income ₹													8.69	8.78	9.2	9.49	10	10.72	11.79	12.38	13.06	13.74				12.34	5.09
Расходы на обслуживание долга ₹																5.75	5.89	6.26	6.93	7.67	8.3	9	9.37	9.93	10.59	9.44	4.99
Чист. проц. доходы, млрд ₹															3.8	3.74	4.11	4.46	4.86	4.71	4.76	4.74	14.45	14.89		8.71	25.89

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	6.74	6.9	7.84	10.35	10.73	10.71	9.25	14.95	17.13		17.13	12.55	9.81
Цена акции ао		195.55	168.65	171.7	119.2	78.55	126.7	132.9	121	111.25	111.25	114.08	7.21
Число акций ао, млн		314.97		309.55	310.42	310.54	310.98	311.5	312.8		312.8	311.25	0.15
FCF/акцию				-11.61	3.15	-50.96	46.58	-55.61	-43.96		-43.96	-20.1600	-269.41

	2017Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS			3.63	3.11	3.59	3.62	4.57	4.03	4.06	4.02	4.98	4.96		4.41	4.24
Цена акции ао		90.39	78.89	80.84	91.99	117.95	114.68	112.39	120.92	119.64			111.25	115.78	-0.61
Число акций ао, млн	314.97													314.97	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			10.85	9.06	8.74	10.44	9.87	8.93	7.36	10.81	11.12		11.12	13.90	9.62	2.41
ROA, %			1.02	0.8304	0.8118	0.9091	0.8776	0.8479	0.6809	0.9579	0.9289		0.9289	2.81	0.8586	1.14
ROIC, %		7.62	7.25	6.27	5.57	6.05								6.29	6.55	-4.51
ROS, %				19.07	18.87	21.73	20.38	19.33	15.89	21.89	22.33	22.33	22.33	59.51	20.35	2.93
ROCE, %												0	0	2.58
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	10.51
Чистая рентаб, %			25.87	19.07	18.87	21.73	20.38	19.33	15.89	21.89	22.33		22.33	59.51	19.96	1.84
Operation Margin, %	32.17	34.4	34.72	29.3	29.71	33.82				0	0	0	0	13.65	32.39	-0.34

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %											2.01	2.3	2.07	1.68	2.8		2.66		4.11		3.43		3.93		3.64	13.90	3.55	6.47
ROA, %											0.1786	0.2191	0.1967	0.1566	0.253		0.2402		0.5431		0.2304		0.2579		0.2356	2.81	0.3014	-0.39
ROS, %																20.83	22.02	21.03	23.38	21.97	21.75	21.34	24.27	20.54	21.78	59.51	21.94	0.03
Чистая рентаб, %																20.83	22.02	21.03	23.38	21.97	21.75	21.34	24.27	20.54	21.78	59.51	21.94	0.03
Operation Margin, %	33.27	30.32	33.18	33.54	35.32	38.41	37.78	32.16	34.06	31.46																13.65	34.77	-3.91

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				27.83		19.44	7.76	9.46	7.84	6.91	7.03		7.03	29.43	7.80	-1.96
P/BV				2.52		2.03	0.766	0.8452	0.5565	0.7044	0.7433		0.7433	3.11	0.7231	-0.60
P/S				5.31		4.22	1.58	1.83	1.24	1.51	1.57		1.57	12.16	1.55	-0.13
P/FCF										-2.03	-2.56	-2.56	-2.56	5.80	-2.3833	8.04
E/P				0.0359						0.1324	0.1523	0.1523	0.1523	0.10	0.1182	43.52
EV/EBIT											0	0	0
EV/S				5.39			1.66	2.87	1.57	2.34	2.92	2.92	2.92	8.38	2.52	0.35
EV/FCF							28.13	-3.15	1.96	-2.87	-5.09	-5.09	-5.09	-6.20	-2.8480	10.07
Debt/EBITDA										0	0	0	0	1.02
Netdebt/Ebitda										0	0	0	0	0.86
Debt/Ratio	0.103	0.0721	0.06	0.0531	0.0638	0.0761				0.0786	0.0653	0.0653	0.0653	0.24	0.0698	0.47
Debt/Equity	1.15	0.7326	0.6405	0.5786	0.6862	0.8741				0	5.36	5.36	5.36	238.79	2.57	56.08
Debt/Net Income	8.79	6.09	5.9	6.39	7.85	8.37				8.84	7.68	7.68	7.68	12.31	8.08	-0.44
PEG												1.78	1.78		1.78	0.00
Бета										1.23	0.027	1.24	1.24	1.47	0.8323	0.27
Индекс Альтмана										0.1337	0.2595	0.2595	0.2595	1.07	0.2176	24.74

	2017Q1	2017Q3	2017Q4	2018Q1	2018Q3	2019Q1	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			102.14				40.78	19.56	8.78	14	12.63	10.26	8.86	6.6			29.43	10.47	-13.96
P/BV			2.17				0.8452	0.7243	0.5565	0.7478	0.7044	0.8186	0.7433	0.7184			3.11	0.7465	-0.80
P/S			20				7.26	3.25	1.66	3.14	2.87	2.3	2.05	1.5			12.16	2.37	-13.74
E/P			0.0098														0.10	0.0098	0.00
EV/S												11	10.92	10.56			8.38	10.83	-1.35
Debt/Ratio	0.0768	0.1097		0.0638	0.1237	0.0761											0.24	0.0900	-0.18
Debt/Equity	0.8377	1.06		0.6862	1.37	0.8741											238.79	0.9656	0.85
Debt/Net Income	34.94	48.25		30.01	54.77	28.27											12.31	39.25	-4.15
Бета															1.57	1.24	1.47	1.41	-11.13
Индекс Альтмана															0.2595	0.2595	1.07	0.2595	0.00

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1849	0.1849	0.1849	0.1849	0.2787	0.3734	0.311	0.311	0.3897		0.3897		0.3328	6.93
Дивиденд			0.5	0.75	1			1	1.25	1.25	1.25		1.05	10.76
Див доход, ао, %			0.2834	0.4396	0.5078	1.43		1.08	0.8365	0.8945	0.8945	1.41	0.9498	11.99
Дивиденды / прибыль, %		9.51	9.26	7.54	8.57	11.05	9.26	10.82	6.68	7.27	7.27	17.81	9.02	-8.03

	2017Q2	2018Q2	2019Q2	2022Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	0.5	0.75	1	1	1.25		0.9000	20.11
Див доход, ао, %	0.2611	0.4098	0.454	1.24	1.11	1.41	0.6950	33.57

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	9846	9846	0.00

	CAGR 5

	CAGR 5