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Compare Development Credit Bank with HDFC Bank - Equitymaster
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DCB BANK vs HDFC BANK - Comparison Results

DCB BANK    Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    DCB BANK HDFC BANK DCB BANK/
HDFC BANK
 
P/E (TTM) x 21.2 30.0 70.5% View Chart
P/BV x 2.1 5.2 40.2% View Chart
Dividend Yield % 0.3 0.6 52.0%  

Financials

 DCB BANK   HDFC BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
HDFC BANK
Mar-17
DCB BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs1721,478 11.7%   
Low Rs781,043 7.5%   
Income per share (Unadj.) Rs72.8285.9 25.4%  
Earnings per share (Unadj.) Rs7.059.5 11.8%  
Cash flow per share (Unadj.) Rs28.9156.5 18.4%  
Dividends per share (Unadj.) Rs0.5011.00 4.5%  
Avg Dividend yield %0.40.9 45.8%  
Book value per share (Unadj.) Rs77.3358.2 21.6%  
Shares outstanding (eoy) m285.362,562.55 11.1%   
Bonus/Rights/Conversions OIESOP-  
Avg Price / Income ratio x1.74.4 39.0%   
Avg P/E ratio x17.921.2 84.5%  
Avg P/CF ratio x11.516.8 68.4%  
Avg Price/Bookvalue ratio x1.63.5 46.0%  
Dividend payout %7.118.5 38.7%   
Avg Mkt Cap Rs m35,7133,230,094 1.1%   
No. of employees `000NA84.3 0.0%   
Total wages & salary Rs m3,08085,047 3.6%   
Avg. income/employee Rs ThNM8,689.2-  
Avg. wages/employee Rs ThNM1,008.6-  
Avg. net profit/employee Rs ThN.A.1,808.8-  
INCOME DATA
Interest income Rs m20,762732,714 2.8%  
Other income Rs m2,495128,776 1.9%   
Interest expense Rs m12,791380,416 3.4%   
Net interest income Rs m7,971352,298 2.3%  
Operating expense Rs m6,283207,511 3.0%   
Gross profit Rs m1,688144,787 1.2%  
Gross profit margin %8.119.8 41.1%  
Provisions/contingencies Rs m1,11539,908 2.8%   
Profit before tax Rs m3,067232,921 1.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0367 0.0%   
Prior Period Items Rs m023 0.0%   
Tax Rs m1,07080,781 1.3%   
Profit after tax Rs m1,997152,530 1.3%  
Net profit margin %9.620.8 46.2%  
BALANCE SHEET DATA
Advances Rs m158,1765,854,810 2.7%   
Deposits Rs m192,8926,431,343 3.0%  
Credit/Deposit ratio x82.091.0 90.1%  
Yield on advances %10.49.6 109.0%   
Cost of deposits %6.14.9 125.5%   
Net Interest Margin %3.54.2 83.8%  
Net fixed assets Rs m4,88638,147 12.8%   
Share capital Rs m2,8545,125 55.7%   
Free reserves Rs m13,116702,033 1.9%   
Net worth Rs m22,049917,940 2.4%   
Borrowings Rs m12,758984,156 1.3%   
Investments Rs m58,1792,107,771 2.8%   
Total assets Rs m240,4648,923,442 2.7%  
Debt/equity ratio x9.38.1 115.5%   
Return on assets %0.81.7 48.6%  
Return on equity %9.116.6 54.5%  
Capital adequacy ratio %13.814.6 94.6%  
Net NPAs %0.80.3 239.4%  
CASH FLOW
From Operations Rs m2,398172,816 1.4%  
From Investments Rs m-711-11,477 6.2%  
From Financial Activity Rs m1,322-58,930 -2.2%  
Net Cashflow Rs m3,009102,409 2.9%  

Share Holding

Indian Promoters % 0.9 22.6 4.0%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 9.9 234.3%  
FIIs % 15.0 34.1 44.0%  
ADR/GDR % 0.0 17.0 -  
Free float % 45.5 16.4 277.4%  
Shareholders   184,073 415,166 44.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   SYNDICATE BANK  CITY UNION BANK  KARNATAKA BANK  BANK OF BARODA  FEDERAL BANK  

Compare DCB BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Feb 23, 2018 01:03 PM

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