DCB Bank Intrinsic Value
DCB Bank (DCBBANK) median intrinsic value is ₹276.12 from 8 valuation models (range ₹143–₹368), vs current price ₹181.34 — +52.3% upside (Trading Below Calculated Value), margin of safety 34.3%. Browse DCBBANK income statement for revenue, profit, balance sheet and cash flow data.
DCBBANK Valuation Methods Summary — DCF, Graham Number & P/E
DCB Bank intrinsic value across 8 models vs current price ₹181.34 — upside/downside and value range per method. Also explore DCBBANK share price history to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹276.12 | ₹220.90 - ₹331.34 | +52.3% | EPS: ₹23.01, Sector P/E: 12x |
| Book Value Method | asset | ₹144.99 | ₹130.49 - ₹159.49 | -20.0% | Book Value/Share: ₹181.24, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹235.80 | ₹212.22 - ₹259.38 | +30.0% | Revenue/Share: ₹235.80, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹143.40 | ₹114.72 - ₹172.08 | -20.9% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹368.16 | ₹331.34 - ₹404.98 | +103.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹197.89 | ₹178.10 - ₹217.68 | +9.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹279.75 | ₹251.78 - ₹307.73 | +54.3% | ROE: 12.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹306.32 | ₹275.69 - ₹336.95 | +68.9% | EPS: ₹23.01, BVPS: ₹181.24 |
DCBBANK Intrinsic Value vs Market Price — All Valuation Models
DCB Bank fair value range ₹143–₹368 vs current market price ₹181.34 across 8 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 ₹276.12, current price ₹181.34 — Trading Below Calculated Value by 52.3%, margin of safety 34.3%.
What is the intrinsic value of DCBBANK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of DCB Bank (DCBBANK) is ₹276.12 (median value). With the current market price of ₹181.34, this represents a +52.3% variance from our estimated fair value.
The valuation range spans from ₹143.40 to ₹368.16, indicating ₹143.40 - ₹368.16.
Is DCBBANK undervalued or overvalued?
Based on our multi-method analysis, DCB Bank (DCBBANK) appears to be trading below calculated value by approximately 52.3%.
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 | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | 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 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 |
| March 2021 | ₹-1,502 Cr | ₹-1,542 Cr | Negative Cash Flow | 3/10 |