Arthneeti

DCB Bank Q2 FY27 Share Price & Earnings Call Analysis

₹199.80+4.21% today
Market cap
₹6,428 Cr
P/E
8.15
ROE
11.96%
PEG
0.50
Price to sales
0.84
Debt to equity
12.04
52W high / low
₹230 / ₹155
Sales growth (5Y)
16.45%
EBITDA margin
69.33%
Net profit margin
9.88%
Promoter holding
16.22%
Sales (last year)
₹7,575 Cr

Guidance scorecard · Q2 FY27 call

What DCB Bank Ltd's management guided
and where it ranks in Banks

#6of 28 in
Banks
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ1 FY27 call

20–40%
  • Mortgage disbursals increased by 35% YoY in Q1; expected to sustain growth leading to overall mortgage book growth of 22-23% by year-end.
  • SME and MSME asset products have started increasing, with a focus on improving current account and trade finance to drive recurring fee income.
  • Disbursements in MSME expected to rise in Q2 and Q3 following strategic initiatives and higher quality staffing.
  • Core fee income, driven by third-party distribution and processing fees, is expected to grow in Q2 and Q3 as asset disbursements pick up.
  • Gold loan portfolio is growing strongly (100% YoY, 35% QoQ), with conservative LTV practices ensuring sustainability.

2 more points from DCB Bank Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what DCB Bank Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • The bank continues to make investments in technology, including incremental use of AI.
  • These investments aim to support consistency, predictability, and sustainability in performance.
  • The bank plans to provide updates on these technology investments and their results in the next quarterly results.

2 more points from DCB Bank Ltd's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what DCB Bank Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising
  • Investment in technology and AI
  • Loan disbursement trends, particularly in mortgage and MSME segments
  • Portfolio quality and growth prospects

2 more points from DCB Bank Ltd's call on the order book

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Full Q1 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. IDFC First BankGood growth
    3
See all potential multibaggersWhere does DCB Bank Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3IDFC First Bank20–40%Flat₹67,332 Cr29.9
420–40%Flat₹58,716 Cr49.8
520–40%Flat₹13,576 Cr9.4
6DCB BankThis stock20–40%Flat₹6,759 Cr8.6

Sign up free to see every company in the sector ranking and track DCB Bank Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of DCB Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

DCB Bank Ltd

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +14.81%14.77%14.75%14.73%14.72%14.70%14.69%14.66%16.24%16.23%16.22%16.22%
FIIs +13.02%12.75%14.65%11.06%10.85%9.64%11.69%10.49%11.92%12.64%13.48%15.47%
DIIs +34.20%29.65%27.61%26.65%27.89%29.18%31.79%31.93%32.14%32.80%32.28%30.40%
Public +37.98%42.82%43.00%47.56%46.53%46.49%41.82%42.91%39.68%38.33%38.03%37.91%
No. of Shareholders1,85,6922,48,4712,42,7492,47,9612,38,5702,34,2192,09,8812,04,9981,89,1881,81,7851,77,1161,77,069

Financials of DCB Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +1,3061,3741,4451,4891,5681,6711,7421,8141,8231,8611,9071,9842,050
Interest8309009379931,0591,1281,1841,2331,2271,2361,2521,3001,352
Expenses +412427434463504523539605539597594593630
Financing Profit6347733452019-245727629169
Financing Margin %5%3%5%2%0%1%1%-1%3%1%3%5%3%
Other Income +107124136143205184219236186221212196249
Depreciation0000000000000
Profit before tax171171210177210204238212243249273287318
Tax %26%26%26%26%26%26%26%26%24%26%25%26%26%
Net Profit +127127156131155151177157184185206213236
EPS in Rs4.064.064.984.194.964.835.635.005.845.746.396.627.34
Gross NPA %3.36%3.43%3.23%3.33%3.29%3.11%2.99%2.98%2.91%2.72%2.45%2.43%2.29%
Net NPA %1.28%1.22%1.11%1.18%1.17%1.18%1.12%1.22%1.21%1.10%0.89%0.84%0.73%

Financials of DCB Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +1,4221,6982,0762,4133,0413,5373,4583,5134,2005,3626,4717,4047,803
Interest9141,0791,2791,4181,8922,2722,1722,1552,4833,4344,3644,9485,140
Expenses +4435507008669491,1131,2231,3561,4221,5861,9272,2282,414
Financing Profit667097129201152641295342180228248
Financing Margin %5%4%5%5%7%4%2%0%7%6%3%3%3%
Other Income +166220249310350391446452409474751855879
Depreciation232939534451576477941011060
Profit before tax2082613073865074924533906287228299771,127
Tax %8%26%35%36%36%31%26%26%26%26%26%25%
Net Profit +191195200245325338336288466536615732840
EPS in Rs6.786.847.007.9610.5110.8910.819.2514.9517.1319.5822.7326.09
Dividend Payout %0%0%7%9%10%0%0%11%8%7%7%6%

Financials of DCB Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital282284285308310310311311312313314322322
Reserves1,3071,5081,9202,5002,8063,1123,4483,7384,2554,7585,3766,2136,610
Deposits12,67414,92619,28924,00728,43530,37029,70434,69241,23949,35360,03172,58376,839
Borrowing1,0991,1481,2761,9272,7233,4084,4824,0824,1186,2199,1156,0865,751
Other Liabilities +7711,2521,2761,4811,5181,3051,6571,9702,4432,3931,9732,8653,126
Total Liabilities16,13219,11924,04630,22235,79238,50539,60244,79352,36663,03776,81088,06992,648
Fixed Assets +237248489494526546569608783841832949979
CWIP000000053442466410
Investments3,9624,3335,8186,2197,8447,7428,4149,05112,58216,21120,15020,37821,375
Other Assets +11,93314,53717,74023,50927,42230,21830,62035,08138,95745,96155,76166,70270,294
Total Assets16,13219,11924,04630,22235,79238,50539,60244,79352,36663,03776,81088,06992,648

Financials of DCB Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-496220240230-281171-1,5021,606-1,566485-4416,640
Cash from Investing Activity +-29-41-71-59-76-72-79-157-165-1,858-2,792-2,141
Cash from Financing Activity +554-61321,0097796541,075-39882,0702,865-2,977
Net Cash Flow301723011,180421752-5071,051-1,722697-3671,522
Free Cash Flow-525179169171-35899-1,5821,449-1,730352-5766,551

Financials of DCB Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %14%12%10%10%11%10%9%7%11%11%11%12%

Guidance history

How DCB Bank Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlannedPlannedRising
Q4 FY26 call →10–20%FlatPlannedPlanned—
Q3 FY26 call →10–20%FlatPlannedPlanned—
Q2 FY26 call →20–40%FlatPlannedNone plannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

71out of 100

Momentum score · price trend

71 out of 100 — Strengthening

Over the past year its share price has done better than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+25.6%76%
Last 6 months+7.0%63%
Last 3 months+6.5%75%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For DCB Bank Ltd: 0.4 × 76 + 0.4 × 63 + 0.2 × 75 = 71.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What DCB Bank Ltd's management said in earlier quarters

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