DCB Bank Intrinsic Value
DCB Bank intrinsic value. DCB Bank (DCBBANK) median intrinsic value is ₹260.59 from 10 valuation models (range ₹59–₹493), vs current price ₹197.36 — +32.0% upside (Trading Below Calculated Value), margin of safety 24.3%. Read DCBBANK dividend growth for the complete payout history and dividend yield track record.
DCBBANK Valuation Methods Summary — DCF, Graham Number & P/E
DCB Bank intrinsic value across 10 models vs current price ₹197.36 — upside/downside and value range per method. Compare with DCBBANK fair price to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹295.20 | ₹236.16 - ₹354.24 | +49.6% | EPS: ₹24.60, Sector P/E: 12x |
| Book Value Method | asset | ₹162.36 | ₹146.12 - ₹178.60 | -17.7% | Book Value/Share: ₹202.95, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹260.59 | ₹234.53 - ₹286.65 | +32.0% | Revenue/Share: ₹260.59, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹163.35 | ₹147.01 - ₹179.69 | -17.2% | EBITDA: ₹1052.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹493.40 | ₹394.72 - ₹592.08 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹260.57 | ₹234.51 - ₹286.63 | +32.0% | EPS Growth: 13.2%, Fair P/E: 10.6x |
| Growth Adjusted P/E | growth | ₹211.56 | ₹190.40 - ₹232.72 | +7.2% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹293.29 | ₹263.96 - ₹322.62 | +48.6% | ROE: 12.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹335.16 | ₹301.64 - ₹368.68 | +69.8% | EPS: ₹24.60, BVPS: ₹202.95 |
| Dividend Yield Method | dividend | ₹59.21 | ₹53.29 - ₹65.13 | -70.0% | DPS: ₹1.45, Target Yield: 4.0% |
DCBBANK Intrinsic Value vs Market Price — All Valuation Models
DCB Bank fair value range ₹59–₹493 vs current market price ₹197.36 across 10 valuation models. For current market price and key ratios, visit DCB Bank stock price NSE.
DCBBANK Intrinsic Value Analysis — Undervalued or Overvalued?
DCB Bank median intrinsic value ₹260.59, current price ₹197.36 — Trading Below Calculated Value by 32.0%, margin of safety 24.3%.
What is the intrinsic value of DCBBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of DCB Bank (DCBBANK) is ₹260.59 (median value). With the current market price of ₹197.36, this represents a +32.0% variance from our estimated fair value.
The valuation range spans from ₹59.21 to ₹493.40, indicating ₹59.21 - ₹493.40.
Is DCBBANK undervalued or overvalued?
Based on our multi-method analysis, DCB Bank (DCBBANK) appears to be trading below calculated value by approximately 32.0%.
DCBBANK Financial Health — Key Ratios vs Industry Benchmarks
DCB Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.0% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
DCBBANK Cash Flow Quality — Operating & Free Cash Flow
DCB Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹6,640 Cr | ₹5,570 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹-441 Cr | ₹-1,837 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹485 Cr | ₹-444 Cr | Positive Operating Cash Flow | 6/10 |
| March 2023 | ₹-1,566 Cr | ₹-1,649 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹1,606 Cr | ₹1,528 Cr | Positive Free Cash Flow | 8/10 |