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DCB Bank Q2 Results 2026 (FY27) investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹206
Market cap₹6.6K Cr
P/E8.4
Updated23 Oct 2026
Read4 min read

Based on DCB Bank's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Quarterly Revenue and Income (Q2 FY27): - Interest Income: ₹2,051 crores (+12.5% vs Q2 FY26: ₹1,823 crores) - Net Interest Income: ₹699 crores (+17% YoY) - Other Income: ₹249 crores (+34% YoY) - Total Operating Income: ₹948 crores (+21% YoY) - Profit After Tax: ₹236 crores (+29% YoY) - Volume Figures (Q2 FY27): - Balance Sheet Size: ₹92,648 crores (+17.44% YoY) - Advances: ₹64,127 crores (+21.05% YoY) - Deposits: ₹76,839 crores (+18.62% YoY) - Fee Income (Commission, Exchange & Brokerage): ₹195 crores (strong core fee income) - Explicit Outlook on Revenue/Volumes: - Target to double the balance sheet size every 3-4 years. EBITDA / Operating Profit (Q2FY27): ₹383 crores, up 26% YoY (Q2FY26: ₹304 crores) - Operating Margin / Operating Profit Margin: - Operating Profit: ₹383 crores - Total Operating Income

From DCB Bank's Q2 FY27 earnings-call transcript · updated 23 Oct 2026.

Revenue & Sales Performance

  • Quarterly Revenue and Income (Q2 FY27):
  • Interest Income: ₹2,051 crores (+12.5% vs Q2 FY26: ₹1,823 crores)
  • Net Interest Income: ₹699 crores (+17% YoY)
  • Other Income: ₹249 crores (+34% YoY)
  • Total Operating Income: ₹948 crores (+21% YoY)
  • Profit After Tax: ₹236 crores (+29% YoY)
  • Volume Figures (Q2 FY27):
  • Balance Sheet Size: ₹92,648 crores (+17.44% YoY)
  • Advances: ₹64,127 crores (+21.05% YoY)
  • Deposits: ₹76,839 crores (+18.62% YoY)
  • Fee Income (Commission, Exchange & Brokerage): ₹195 crores (strong core fee income)
  • Explicit Outlook on Revenue/Volumes:
  • Target to double the balance sheet size every 3-4 years.
  • Diversified portfolio expected to lead growth (e.g., Mortgages, MSME/SME, Gold Loan, Construction Finance).
  • Aim for NIMs of 3.50% to 3.65%.

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Profitability & Margins

  • EBITDA / Operating Profit (Q2FY27): ₹383 crores, up 26% YoY (Q2FY26: ₹304 crores)
  • Operating Margin / Operating Profit Margin:
  • Operating Profit: ₹383 crores
  • Total Operating Income: ₹948 crores
  • Operating Margin ≈ 40.38% (383/948) [Calculated from given data]
  • Profit After Tax (PAT, Q2FY27): ₹236 crores, up 29% YoY (Q2FY26: ₹184 crores)
  • Explicit Margin Outlook:
  • Business Model NIMs targeted at 350 to 365 basis points (3.5%-3.65%)
  • Target Cost to Income Ratio of 60% or below in near term
  • Target Cost to Average Assets of 2.50% to 2.60%

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Capital Expenditure Plans

The investor presentation does not explicitly describe any capital expenditure (capex), capacity expansion, or new plant/project details, including amounts, status, or timelines. The focus is primarily on: - Branch network expansion—483 branches currently, steady investments in frontline and branch infrastructure. - Technology investment—continuous digital agenda improvement for frontline and customer experience.

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Top-ranked in Banks

Ranked on what management guided this quarter

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3
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4
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5
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

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What DCB Bank's management said in earlier quarters

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Frequently Asked Questions

What were DCB Bank Q2 FY27 results?

Quarterly Revenue and Income (Q2 FY27): - Interest Income: ₹2,051 crores (+12.5% vs Q2 FY26: ₹1,823 crores) - Net Interest Income: ₹699 crores (+17% YoY) - Other Income: ₹249 crores (+34% YoY) - Total Operating Income: ₹948 crores (+21% YoY) - Profit After Tax: ₹236 crores (+29% YoY) - Volume Figures (Q2 FY27): - Balance Sheet Size: ₹92,648 crores (+17.44% YoY) - Advances: ₹64,127 crores (+21.05% YoY) - Deposits: ₹76,839 crores (+18.62% YoY) - Fee Income (Commission, Exchange & Brokerage): ₹195 crores (strong core fee income) - Explicit Outlook on Revenue/Volumes: - Target to double the balance sheet size every 3-4 years. EBITDA / Operating Profit (Q2FY27): ₹383 crores, up 26% YoY (Q2FY26: ₹304 crores) - Operating Margin / Operating Profit Margin: - Operating Profit: ₹383 crores - Total Operating Income

What is DCB Bank share price analysis?

DCB Bank currently shows a neutral. The stock trades at a P/E of 8.4 with a market cap of ₹6,640 Cr. Investors should review the full earnings analysis for detailed insights.

Is DCB Bank planning capital expenditure?

The investor presentation does not explicitly describe any capital expenditure (capex), capacity expansion, or new plant/project details, including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.