DSE : DBH
DBH Finance PLC. — Financial statements
Mortgage Bankers and Loan Correspondents · Bangladesh
Last price 37.9 BDT (At close: Nov 1, 2026) · Market cap 7.69B
Latest research: DBH Finance financial analysis: 0.84% NPL, 30.7% CAR, 1.4pp loan spread (from 1.7pp) and a 9% smaller balance sheet in 2026 (Oct 2026) · DBH Finance: 0.84% NPL and 30.7% capital, but the home-loan book has barely grown in eight years and the spread fell to 1.4pp
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 7.83B | 8.92B | 8.15B | 6.11B | 4.98B | 5.18B |
| Total Interest Expense | 5.40B | 6.61B | 5.80B | 4.13B | 3.05B | 2.89B |
| Net Interest Income | 2.44B | 2.31B | 2.35B | 1.98B | 1.93B | 2.29B |
| Commissions and Fees | 137.54M | 175.86M | 176.74M | 163.85M | 182.89M | 177.52M |
| Other Revenue | -3.30M | 11.23M | 6.07M | 20.25M | 17.95M | 15.75M |
| Revenue Before Loan Losses | 2.57B | 2.50B | 2.53B | 2.17B | 2.13B | 2.48B |
| Provision for Loan Losses | 66.10M | 150.25M | 29.31M | -36.50M | -164.28M | 226.29M |
| Revenue | 2.50B | 2.35B | 2.51B | 2.20B | 2.30B | 2.26B |
| Salaries & Employee Benefits | 544.37M | 497.11M | 469.05M | 399.82M | 377.44M | 364.35M |
| Cost of Services Provided | 97.74M | 89.27M | 84.97M | 89.10M | 96.38M | 88.00M |
| Other Operating Expenses | 63.64M | 82.02M | 75.19M | 74.28M | 64.85M | 46.11M |
| Total Operating Expenses | 804.04M | 761.54M | 712.17M | 637.83M | 609.52M | 564.59M |
| Operating Income | 1.70B | 1.59B | 1.79B | 1.57B | 1.69B | 1.69B |
| EBT Excluding Unusual Items | 1.70B | 1.59B | 1.79B | 1.57B | 1.69B | 1.69B |
| Gain (Loss) on Sale of Investments | -13.92M | -6.36M | -83.59M | -5.82M | -105.95M | 33.80M |
| Pretax Income | 1.69B | 1.58B | 1.71B | 1.56B | 1.58B | 1.72B |
| Income Tax Expense | 671.24M | 631.48M | 702.40M | 576.74M | 563.53M | 677.16M |
| Net Income | 1.02B | 951.57M | 1.01B | 984.45M | 1.02B | 1.04B |
| Net Income to Common | 1.02B | 951.57M | 1.01B | 984.45M | 1.02B | 1.04B |
| Shares Outstanding (Basic) | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M |
| Shares Outstanding (Diluted) | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M |
| EPS (Basic) | 5.01 | 4.69 | 4.97 | 4.85 | 5.01 | 5.15 |
| EPS (Diluted) | 5.01 | 4.69 | 4.97 | 4.85 | 5.01 | 5.15 |
| Free Cash Flow | -2.99B | 1.43B | -146.71M | 8.55B | -3.86B | -18.07M |
| Free Cash Flow Per Share | -14.75 | 7.04 | -0.72 | 42.13 | -19.02 | -0.09 |
| Dividend Per Share | 1.50 | 1.50 | 1.47 | 1.47 | 1.44 | 1.31 |
| Operating Margin | 67.90% | 67.60% | 71.58% | 71.07% | 73.45% | 74.97% |
| Profit Margin | 40.55% | 40.48% | 40.25% | 44.66% | 44.28% | 46.28% |
| Free Cash Flow Margin | -119.49% | 60.75% | -5.85% | 387.76% | -168.04% | -0.80% |
| Effective Tax Rate | 39.80% | 39.89% | 41.05% | 36.94% | 35.66% | 39.35% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 13.47B | 1.16B | 2.58B | 722.58M | 3.28B | 558.07M |
| Long-Term Investments | 3.93B | 7.21B | 10.19B | 5.17B | 2.52B | 678.22M |
| Loans & Lease Receivables | 44.22B | 45.58B | 44.51B | 43.67B | 44.54B | 43.83B |
| Other Receivables | 227.73M | 218.95M | 234.44M | 125.60M | 178.90M | |
| Property, Plant & Equipment | 383.41M | 391.26M | 261.93M | 273.26M | 251.76M | 258.83M |
| Other Intangible Assets | 1.99M | 2.90M | 3.19M | 2.72M | 3.75M | |
| Other Current Assets | 14.11B | 9.40B | 17.45B | 11.02B | 14.76B | |
| Long-Term Deferred Tax Assets | 11.85M | 6.46M | 2.55M | 1.14M | 9.77M | |
| Other Long-Term Assets | 400.91M | 32.36M | 19.79M | 13.83M | 3.45M | 3.64M |
| Total Assets | 62.41B | 68.72B | 67.19B | 67.54B | 61.74B | 60.28B |
| Interest Bearing Deposits | 43.79B | 46.74B | 45.78B | 46.66B | 40.06B | 43.98B |
| Total Deposits | 43.79B | 46.74B | 45.78B | 46.66B | 40.06B | 43.98B |
| Accrued Expenses | 1.64B | 1.37B | 986.49M | 833.55M | 845.57M | |
| Short-Term Debt | 1.83B | 1.13B | 1.10B | 900.00M | ||
| Current Portion of Long-Term Debt | 5.44B | 2.93B | 6.52B | 7.44B | 3.50B | |
| Long-Term Debt | 4.38B | 2.59B | 3.85B | 1.71B | 2.54B | 1.78B |
| Long-Term Leases | 163.16M | 47.13M | 66.12M | 29.94M | 40.43M | |
| Long-Term Unearned Revenue | 156.80M | |||||
| Current Income Taxes Payable | 211.89M | 374.35M | 300.88M | 246.92M | 434.84M | |
| Other Current Liabilities | 5.03M | 5.57M | ||||
| Long-Term Deferred Tax Liabilities | 47.81M | 46.04M | 53.41M | 1.64M | 1.58M | |
| Other Long-Term Liabilities | 3.68B | 1.67B | 1.57B | 1.44B | 1.50B | 1.56B |
| Total Liabilities | 51.85B | 58.67B | 57.79B | 58.86B | 53.75B | 53.03B |
| Common Stock | 2.03B | 2.03B | 1.99B | 1.99B | 1.95B | 1.77B |
| Additional Paid-In Capital | 55.00M | 55.00M | 55.00M | 55.00M | 55.00M | 55.00M |
| Retained Earnings | 8.47B | 7.96B | 7.34B | 6.63B | 5.98B | 5.42B |
| Comprehensive Income & Other | 9.79M | 9.63M | 40.00K | 40.00K | 40.00K | |
| Shareholders' Equity | 10.56B | 10.05B | 9.40B | 8.68B | 7.99B | 7.24B |
| Total Liabilities & Equity | 62.41B | 68.72B | 67.19B | 67.54B | 61.74B | 60.28B |
| Total Debt | 4.38B | 8.19B | 8.65B | 9.42B | 11.11B | 6.22B |
| Net Cash (Debt) | 9.09B | -7.03B | -6.07B | -8.70B | -7.83B | -5.66B |
| Net Cash Per Share | 44.80 | -34.65 | -29.92 | -42.89 | -38.62 | -27.89 |
| Filing Date Shares Outstanding | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M |
| Total Common Shares Outstanding | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M | 202.87M |
| Working Capital | 13.91B | 7.04B | 4.43B | 6.48B | 9.28B | 9.67B |
| Book Value Per Share | 52.03 | 49.55 | 46.33 | 42.78 | 39.37 | 35.71 |
| Tangible Book Value | 10.56B | 10.05B | 9.40B | 8.68B | 7.98B | 7.24B |
| Tangible Book Value Per Share | 52.03 | 49.54 | 46.31 | 42.76 | 39.35 | 35.69 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.02B | 951.57M | 1.01B | 984.45M | 1.02B | 1.04B |
| Depreciation & Amortization | 77.57M | 72.42M | 62.95M | 56.09M | 48.69M | 46.71M |
| Other Amortization | 1.15M | 1.15M | 1.09M | 1.01M | 1.17M | 1.12M |
| Loss (Gain) From Sale of Investments | 6.36M | 6.36M | 83.59M | 5.82M | 105.95M | -33.80M |
| Asset Writedown & Restructuring Costs | 4.11M | |||||
| Provision for Credit Losses | 150.25M | 150.25M | 29.31M | -36.50M | -164.28M | 226.29M |
| Change in Trading Asset Securities | -23.01M | |||||
| Change in Other Net Operating Assets | -3.91B | 40.65M | -1.67B | 7.40B | -4.59B | -1.02B |
| Other Operating Activities | -238.37M | 291.87M | 409.37M | 174.21M | -243.04M | -280.27M |
| Operating Cash Flow | -2.92B | 1.51B | -75.30M | 8.59B | -3.83B | -7.94M |
| Capital Expenditures | -69.87M | -85.96M | -71.41M | -40.90M | -27.98M | -10.13M |
| Sale of Property, Plant & Equipment | 237.97K | 266.63K | 1.08M | 173.35K | 1.89M | 311.62K |
| Investment in Securities | 6.32B | 3.06B | -4.94B | -2.52B | -1.65B | 19.80M |
| Investing Cash Flow | 6.25B | 2.97B | -5.01B | -2.56B | -1.67B | 9.98M |
| Long-Term Debt Issued | 540.45M | 2.63B | 4.65B | 719.00M | ||
| Long-Term Debt Repaid | -1.44B | -3.40B | -1.78B | |||
| Net Debt Issued (Repaid) | -8.34B | -899.40M | -773.68M | -1.78B | 4.65B | 719.00M |
| Common Dividends Paid | -304.30M | -298.34M | -298.34M | -292.49M | -265.90M | -231.21M |
| Financing Cash Flow | -8.64B | -1.20B | -1.07B | -2.07B | 4.38B | 487.78M |
| Foreign Exchange Rate Adjustments | 2.16K | |||||
| Net Cash Flow | -5.31B | 3.29B | -6.16B | 3.96B | -1.12B | 489.83M |
| Free Cash Flow | -2.99B | 1.43B | -146.71M | 8.55B | -3.86B | -18.07M |
| Free Cash Flow Margin | -119.49% | 60.75% | -5.85% | 387.76% | -168.04% | -0.80% |
| Free Cash Flow Per Share | -14.75 | 7.04 | -0.72 | 42.13 | -19.02 | -0.09 |
| Cash Interest Paid | 5.69B | 6.02B | 5.35B | 3.84B | 2.93B | 3.05B |
| Cash Income Tax Paid | 615.19M | 797.55M | 640.22M | 472.42M | 751.24M | 646.44M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 7.89B | 7.02B | 7.74B | 11.28B | 11.27B | 13.67B |
| PE Ratio | 7.77 | 7.38 | 7.67 | 11.46 | 11.09 | 13.09 |
| PS Ratio | 3.15 | 2.99 | 3.09 | 5.12 | 4.91 | 6.06 |
| PB Ratio | 0.75 | 0.70 | 0.82 | 1.30 | 1.41 | 1.89 |
| P/FCF Ratio | 4.92 | 1.32 | ||||
| P/OCF Ratio | 4.64 | 1.31 | ||||
| Debt / Equity Ratio | 0.41 | 0.81 | 0.92 | 1.09 | 1.39 | 0.86 |
| Debt / FCF Ratio | 5.74 | 1.10 | ||||
| Net Debt / Equity Ratio | -0.86 | 0.70 | 0.65 | 1.00 | 0.98 | 0.78 |
| Net Debt / FCF Ratio | 3.04 | 4.92 | -41.38 | 1.02 | -2.03 | -313.18 |
| Quick Ratio | 1.32 | 0.87 | 0.91 | 0.80 | 0.96 | 0.90 |
| Current Ratio | 1.32 | 1.13 | 1.08 | 1.12 | 1.19 | 1.20 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 |
| Return on Equity (ROE) | 9.96% | 9.79% | 11.16% | 11.82% | 13.35% | 15.27% |
| Return on Assets (ROA) | 1.47% | 1.40% | 1.50% | 1.52% | 1.67% | 1.76% |
| Return on Invested Capital (ROIC) | 6.71% | 5.26% | 5.85% | 5.31% | 6.67% | 8.04% |
| Earnings Yield | 12.87% | 13.56% | 13.04% | 8.73% | 9.02% | 7.64% |
| FCF Yield | -37.92% | 20.34% | -1.90% | 75.80% | -34.23% | -0.13% |
| Dividend Yield | 3.86% | 4.33% | 3.86% | 2.65% | 2.60% | 1.95% |
| Payout Ratio | 29.97% | 31.35% | 29.58% | 29.71% | 26.15% | 22.15% |
| Buyback Yield / Dilution | 0.00% | 0.00% | ||||
| Total Shareholder Return | 3.86% | 4.33% | 3.86% | 2.65% | 2.60% | 1.95% |