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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
DCB Bank Limited is an India-based scheduled commercial bank. The Company provides banking and financial services. Its segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. Treasury segment includes all financial…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, priced for perfection.
DCB Bank is scored on the bank / lender framework. It keeps a slim 8.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 22%/yr and profit at 16%/yr. Book value has grown 13%/yr. Return on equity is a healthy 12.1%. In the latest quarter profit grew 11% versus the prior quarter.
At 9× earnings, the stock sits at the 83rd percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~-4%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 7.73 | 9.9 | better |
| P/B | 0.98 | 1.39 | better |
| ROE | 12.1 | 9.98 | better |
| ROA | 0.91 | 0.92 | worse |
| NIM | 2.99 | 4.25 | worse |
| Net NPA | 0.89 | 0.79 | worse |
| CASA | 22.38 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 21% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (21% vs 16%) — costs are rising faster than the top line.
Operating margin has compressed from 14% to 12% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
EPS has grown every year — each share earns more than the last, consistently. 15% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 9.1× PAT — earnings are well-backed by cash; strong accrual quality. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 5% sequentially — momentum is building. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 11% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 16.2% — widely held; sentiment-driven. FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. MF holding up 3.6pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.