DCB Bank Limited (DCBBANK) fair value: what the stock is really worth
We calculate from audited financials what DCB Bank Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range ₹65.55 – ₹229.55 · fair‑value band ₹175.46 – ₹336.24 · the ₹226.37 price screens above the ₹196.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 13, 2026.
DCB Bank Limited engages in the provision of various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
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DCB Bank Limited engages in the provision of various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers deposit products, including current and saving, NRI, recurring, and fixed deposit accounts; debit, travel smart, and credit cards; and payment services, such as bill/utility payment, remittances, tax payment, and POS terminal services, as well as IMPS, RTGS, NEFT, and UPI services. It also provides secured lending services, including loan against property, overdraft/working capital, co-lending, commercial vehicle, construction equipment and finance, dealer trade advances, kisan credit card, school finance, and retail microfinance; and home, auto, gold, tractor, and term loans, as well as ODTD services. In addition, the company offers corporate banking services, which include trade current accounts, foreign exchange, guarantee, import and export, letter of credit, supply chain, bill collection, and invoice discounting services; and capital management services comprising working capital and cash management services. Further, the company provides life, general, and health insurance products, as well as mutual funds; and locker facility and ASBA online services. DCB Bank Limited was incorporated in 1995 and is headquartered in Mumbai, India.
Stock analysis
DCB Bank Limited (DCBBANK) currently trades at ₹226.37, while our model-based Fair Value estimate is ₹196.57, implying the stock looks roughly 15.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹284.06 per share, and 2 of the 6 models we run sit above the ₹226.37 price.
Bear case: the Dividend Discount group reads lowest at ₹21.22, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹175.46 (bear) to ₹336.24 (bull), the price of ₹226.37 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
DCB Bank Limited reported revenue of ₹82.6B in FY2026 versus ₹39.7B in FY2022, a compound +20.1%/yr. Reported net income was ₹7.3B in FY2026, compounding +26.3%/yr from FY2022.
Key figures
Market cap ₹72.6B (≈ $762M) · P/E ratio 9.9 · P/S ratio 0.88 · EPS (TTM) ₹22.82 · Dividend yield 0.6% · Net margin 8.9% · Return on equity 12.0% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades near its 52-week high and 91% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −13%, DCBBANK screens cheaper than that median.
Fair Value models
Bear ₹175.46Fair Value ₹196.57Bull ₹336.24
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 5 months old). Earnings retained since then (₹9.78 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+14.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.2%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.6%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+16.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.3%
Dividend (yield on the price)0.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16% vs 13%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 12%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1077 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+30% · Top 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Below median
Net margin (TTM)24% · Below median
Operating margin (TTM)34% · Below median
Growth and dividend
Revenue growth12% · Above median
Dividend yield (TTM)0.6% · Bottom 25%
Balance sheet
Debt / equity1.40× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "DCB Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/DCBBANK
Frequently asked questions
Is DCB Bank Limited (DCBBANK) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of ₹196.57 versus a price of ₹226.37, about −13% upside (overvalued).
What is the fair value of DCBBANK?
Our model-based fair value for DCB Bank Limited is ₹196.57 (as of Sep 13, 2026), built from audited fundamentals. The current price: ₹226.37.
What is the quality score of DCBBANK?
DCB Bank Limited has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for DCB Bank Limited (DCBBANK)?
Our model-based price target is the fair value of ₹196.57 (as of Sep 13, 2026) from 6 valuation models. Cautious scenario ₹175.46, optimistic scenario ₹336.24. It is a calculation from audited fundamentals, not an analyst target.
What is the DCB Bank Limited stock forecast for 2026?
Our models put fair value at ₹196.57, about −13% upside versus a price of ₹226.37 (overvalued). Cautious scenario ₹175.46, optimistic scenario ₹336.24. The calculation is refreshed regularly with new filings.
What is the revenue of DCB Bank Limited (DCBBANK)?
DCB Bank Limited reported trailing-twelve-month revenue of about ₹29.9B (latest available figure, as of Sep 13, 2026).
Does DCB Bank Limited pay a dividend?
DCB Bank Limited currently shows a dividend yield of about 0.64% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of DCB Bank Limited (DCBBANK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DCB Bank Limited it is ₹196.57 per share (as of Sep 13, 2026), against a price of ₹226.37. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is DCB Bank Limited stock overvalued or undervalued in 2026?
As of Sep 13, 2026, DCBBANK trades above its calculated fair value: price ₹226.37, fair value ₹196.57, a gap of about −13% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DCBBANK?
No. The price is what the market pays today (₹226.37); the fair value is what the company's own numbers justify (₹196.57). For DCB Bank Limited the two are ₹29.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is DCB Bank Limited worth?
The market values DCB Bank Limited at about ₹72.6B (market capitalisation, as of Sep 13, 2026). Per share that is ₹226.37; our models calculate a fair value of ₹196.57 per share.
What do the bullish and bearish scenarios say about DCBBANK?
Our models span a range for DCB Bank Limited: cautious scenario ₹175.46, base ₹196.57, optimistic ₹336.24 per share (as of Sep 13, 2026, price ₹226.37). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DCBBANK?
DCB Bank Limited trades at a price-to-earnings ratio of 9.9 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹196.57 is built from several models across several years. Other multiples: P/B 0.9, P/S 2.0, EV/EBITDA 10.0.
How solid is the balance sheet of DCB Bank Limited (DCBBANK)?
Balance-sheet figures for DCB Bank Limited (as of Sep 13, 2026): return on equity 12.0%, debt of 1.40 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is DCBBANK from its 52-week high?
DCB Bank Limited trades at ₹226.37, about 11% below its 52-week high of ₹204.19 and 91% above the low of ₹118.52 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of ₹196.57 is for.
Which stocks are comparable to DCB Bank Limited?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is DCB Bank Limited stock attractive at the current price?
The data as of Sep 13, 2026: price ₹226.37, calculated fair value ₹196.57 (−13%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DCBBANK calculated?
We run DCB Bank Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹196.57, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.8 % above its aggregate fair value. DCB Bank Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What should I pay attention to with DCB Bank Limited right now?
Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹175.46 to ₹336.24) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of DCB Bank Limited (DCBBANK) come from?
Earnings per share at DCB Bank Limited grew +12.4 % a year from 2015 to 2026. Broken into its drivers: revenue per share +14.0 %, EBIT margin −1.3 %, tax rate −0.1 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of DCB Bank Limited
How large is the market capitalisation of DCB Bank Limited (DCBBANK)?
The market capitalisation of DCB Bank Limited is ₹72.6B (≈ $762M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of DCB Bank Limited (DCBBANK)?
The price-to-sales ratio of DCB Bank Limited is 0.88 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of DCB Bank Limited (DCBBANK)?
Earnings per share at DCB Bank Limited are ₹22.82 (price ÷ EPS = P/E 9.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of DCB Bank Limited (DCBBANK)?
The dividend yield of DCB Bank Limited is 0.6% (payout 6.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of DCB Bank Limited (DCBBANK)?
The net margin of DCB Bank Limited is 8.9% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of DCB Bank Limited (DCBBANK)?
The return on equity (ROE) of DCB Bank Limited is 12.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of DCB Bank Limited (DCBBANK)?
On an EBIT basis the return on assets of DCB Bank Limited is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of DCB Bank Limited (DCBBANK)?
The operating margin of DCB Bank Limited is 34.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at DCB Bank Limited (DCBBANK)?
Revenue at DCB Bank Limited is growing +12.4% versus a year earlier (3y avg +21.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at DCB Bank Limited (DCBBANK)?
Earnings per share at DCB Bank Limited are growing +13.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does DCB Bank Limited (DCBBANK) generate?
The free cash flow of DCB Bank Limited is ₹65.5B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does DCB Bank Limited (DCBBANK) carry?
The net debt of DCB Bank Limited is ₹18.7B (fiscal year 2026, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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