DBH

DBH Finance PLC.Financial Institutions

37.9Avoid#180 of 302

Last Price৳38.20+0.79%

P/E vs 5yr Avg7.5CHEAP

Dividend Yield3.9%cash div / LTP

52W RangeH: ৳38.20L: ৳36.10

// Signal Flags

✓ EPS positive 4+ of 5 years✓ Consistent dividend payer (4+ years)✓ Currently cheap vs historical P/E✓ Sponsor holding 51.3% (strong alignment)

✓ No red flags detected

// Score Pillars

Business Quality22.1

EPS consistency, CAGR, ROE, NPM trend

EPS Consistency: 10.0EPS CAGR: 0.7ROE: 0.0NPM Trend: 0.0

Financial Health31.3

D/E, interest coverage, CFO quality, cash ratio

D/E: 10.0Int. Coverage: 0.0CFO Quality: 0.0Cash/Assets: 0.0

Competitive Moat4.0

NIM / Gross margin, revenue stability, sector rank, reinvestment

Gross Margin: 0.0Rev. Stability: 0.0Sector Rank: 2.0CapEx: 0.0

Valuation98.7

P/E vs 5yr avg, P/B vs 5yr avg

P/E Score: 10.0P/B Score: 9.7

Dividend Quality62.6

DPS CAGR, consistency, yield

DPS CAGR: 3.0Consistency: 10.0Yield Score: 8.4

// Price History

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// Valuation

Current P/E7.5

5yr Avg P/E11.9

Current P/B0.81

Market Cap7.7B

52W High৳38.20

52W Low৳36.10

Total Shares202.9M

// Financial Performance

Revenue & Gross Profit (৳B)

Earnings Per Share (৳)

NAV per Share (৳)

Return on Equity (%)

// Cash Flow Quality

Operating CF vs Net Profit (৳M)

CF Metrics

CFO / Net Profit

0.83

Free Cash Flow

Operating CF

836726.9B

// Dividends

Declaration: 06 May 2025

Record Date: 27 May 2025

Dividend: 15%

Streak: 5 consecutive years

Dividend History (%)

Payout Ratio (%)

// Shareholding Pattern

As of 31 Mar 2026High Confidence

Sponsor/Director

51.3%

Government

0.0%

Institutional

31.4%

Foreign

0.5%

General Public

16.9%

// Company Fundamentals

Face Value৳10.00

Total Shares202868.0B

Reserve & Surplus7.3B (mn)

Total Loan8.6B (mn)

Paid-up Capital2.0B (mn)

Market CategoryA

// News Feed

DBH: Q3 Financials20 Oct 2025

(Q3 Un-audited): EPS was Tk. 1.60 for July-September, 2025 as against Tk. 1.64 (restated) for July-September, 2024; EPS was Tk. 3.67 for January-September, 2025 as against Tk. 3.65 (restated) for January-September, 2024. NOCFPS was Tk. 17.36 for January-September, 2025 as against Tk. (7.31) (restated) for January-September, 2024. NAV per share was Tk. 48.52 as on September 30, 2025 and Tk. 46.33 (restated) as on December 31, 2024. (cont.)

DBH: Board Meeting schedule under LR 16(1)14 Oct 2025

As per Regulation 16(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, the Company has informed that a meeting of the Board of Directors will be held on October 19, 2025 at 04:00 PM to consider, among others, Un-audited financial statements of the Company for the Third Quarter (Q3) period ended September 30, 2025.

DBH: Q2 Financials30 Jul 2025

(Q2 Un-audited): EPS was Tk. 1.30 for April-June 2025 as against Tk. 1.16 (restated) for April-June 2024; EPS was Tk. 2.07 for January-June 2025 as against Tk. 2.01 (restated) for January-June 2024. NOCFPS was Tk. 18.08 for January-June 2025 as against Tk. (3.59) (restated) for January-June 2024. NAV per share was Tk. 46.93 as on June 30, 2025 and Tk. 46.33 (restated) as on December 31, 2024. (cont.)

DBH: Board Meeting schedule under LR 16(1)23 Jul 2025

As per Regulation 16(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, the Company has informed that a meeting of the Board of Directors will be held on July 29, 2025 at 4:00 PM to consider, among others, un-audited financial statements of the Company for the Second Quarter (Q2) period ended June 30, 2025.

DBH: Dividend Disbursement21 Jul 2025

The Company has informed that it has disbursed the Cash Dividend for the year ended December 31, 2024 to the respective shareholders.

DBH: Dividend Disbursement30 Jun 2025

The Company has informed that it has credited the Bonus Shares for the year ended December 31, 2024 to the respective shareholders' BO Accounts.

DBH: Credit Rating Result02 Jun 2025

Emerging Credit Rating Limited (ECRL) has assigned surveillance rating to the Company as "AAA" in the long term and "ST-1" in the short term along with a Stable outlook based on audited financial statements up to December 31, 2024 and other relevant quantitative as well as qualitative information up to the date of rating.

DBH: Resumption after Record Date27 May 2025

Trading of the shares of the company will resume on 28.05.2025.

DBH: Suspension for Record Date26 May 2025

Trading of the shares of the company will remain suspended on the record date, i.e., 27.05.2025.

DBH: Spot News24 May 2025

Trading of the shares of the company will be allowed only in the Spot Market and Block transaction will also be settled as per spot settlement cycle with cum benefit from 25.05.2025 to 26.05.2025 and trading of the shares will remain suspended on record date i.e., 27.05.2025.

DBH: Dividend Declaration06 May 2025

The Board of Directors has recommended 15% Cash and 2% Stock Dividend for the year ended December 31, 2024. Date of AGM: 19.06.2025, Time: 11:30 AM, Venue: Digital Platform, Record date: 27.05.2025. The Company has reported EPS of Tk. 5.07, NAV per share of Tk. 47.25 and NOCFPS of Tk. (0.38) for the year ended December 31, 2024 as against Tk. 4.95, Tk. 43.63 and Tk. 43.18 respectively for the year ended December 31, 2023. (cont.1)

DBH: Price Limit Open06 May 2025

There will be no price limit on the trading of the shares of the Company today (06.05.2025) following its corporate declaration.

DBH: Q1 Financials06 May 2025

(Q1 Un-audited): EPS was Tk. 0.78 for January-March 2025 as against Tk. 0.87 for January-March 2024. NOCFPS was Tk. 5.72 for January-March 2025 as against Tk. (1.86) for January-March 2024. NAV per share was Tk. 48.04 as on March 31, 2025 and Tk. 47.25 as on December 31, 2024. Despite a cash outflow of BDT 425.7 million due to an increase in loans and advances, and a substantial interest payment, DBH recorded (cont.)

DBH: Reschedule of Board Meeting under LR 19(1)24 Apr 2025

The Company has further informed that the meeting of the Board of Directors of the Company as per Regulation 16(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, will be held on May 05, 2025 at 5:00 PM to consider, among others, audited financial statements of the Company for the year ended December 31, 2024.

DBH: Reschedule of Board Meeting under LR 19(1) (Correction News)24 Apr 2025

Refer to the earlier news disseminated today regarding reschedule of Board Meeting of the company, please be informed that the meeting will be held as per Regulation 19(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, instead of earlier declared Regulation 16(1). Other things will remain unchanged.

DBH: Board Meeting schedule under LR 16(1)24 Apr 2025

As per Regulation 16(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, the Company has informed that a meeting of the Board of Directors will be held on May 05, 2025 at 5:00 PM to consider, among others, un-audited financial statements of the Company for the First Quarter (Q1) period ended March 31, 2025.

DBH: Postponement of Board Meeting schedule under LR 19(1)23 Apr 2025

The Company has further informed that due to unavoidable circumstances, the meeting scheduled to be held on April 24, 2025 at 4:30 PM as per LR 19(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, to consider, among others, audited financial statements of the Company for the year ended December 31, 2024, has been postponed. New date and time of the meeting will be notified later.

DBH: Board Meeting schedule under LR 19(1)17 Apr 2025

As per Regulation 19(1) of the Dhaka Stock Exchange (Listing) Regulations, 2015, the Company has informed that a meeting of the Board of Directors will be held on April 24, 2025 at 4:30 PM to consider, among others, audited financial statements of the Company for the year ended December 31, 2024.