DCB Bank Intrinsic Value
DCB Bank (DCBBANK) median intrinsic value is ₹272.80 from 10 valuation models (range ₹56–₹466), vs current price ₹186.24 — +46.5% upside (Trading Below Calculated Value), margin of safety 31.7%. For current market price and key ratios, visit DCB Bank stock price NSE.
DCBBANK Valuation Methods Summary — DCF, Graham Number & P/E
DCB Bank intrinsic value across 10 models vs current price ₹186.24 — upside/downside and value range per method. Analyse DCB Bank ownership pattern to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹276.12 | ₹220.90 - ₹331.34 | +48.3% | EPS: ₹23.01, Sector P/E: 12x |
| Book Value Method | asset | ₹162.36 | ₹146.12 - ₹178.60 | -12.8% | Book Value/Share: ₹202.95, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹256.52 | ₹230.87 - ₹282.17 | +37.7% | Revenue/Share: ₹256.52, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹168.17 | ₹151.35 - ₹184.99 | -9.7% | EBITDA: ₹1083.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹465.60 | ₹372.48 - ₹558.72 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹368.16 | ₹331.34 - ₹404.98 | +97.7% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹197.89 | ₹178.10 - ₹217.68 | +6.3% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹272.80 | ₹245.52 - ₹300.08 | +46.5% | ROE: 11.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹324.15 | ₹291.74 - ₹356.56 | +74.0% | EPS: ₹23.01, BVPS: ₹202.95 |
| Dividend Yield Method | dividend | ₹55.87 | ₹50.28 - ₹61.46 | -70.0% | DPS: ₹1.45, Target Yield: 4.0% |
DCBBANK Intrinsic Value vs Market Price — All Valuation Models
DCB Bank fair value range ₹56–₹466 vs current market price ₹186.24 across 10 valuation models. Read DCBBANK dividend growth for the complete payout history and dividend yield track record.
DCBBANK Intrinsic Value Analysis — Undervalued or Overvalued?
DCB Bank median intrinsic value ₹272.80, current price ₹186.24 — Trading Below Calculated Value by 46.5%, margin of safety 31.7%.
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 ₹272.80 (median value). With the current market price of ₹186.24, this represents a +46.5% variance from our estimated fair value.
The valuation range spans from ₹55.87 to ₹465.60, indicating ₹55.87 - ₹465.60.
Is DCBBANK undervalued or overvalued?
Based on our multi-method analysis, DCB Bank (DCBBANK) appears to be trading below calculated value by approximately 46.5%.
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 | 11.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | 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 |