DBH Delta Brac Housing Finance Corp. Ltd.
Financial Institutions
Tk 38.7 as of 2026-11-12 14:00:32
Rank 77 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 64
Profitability 45
Solvency 77
Valuation 89
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency Paid a dividend every year (5/5)
- Valuation P/E 7.74 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.74x)
- Valuation Price is 48% below the Graham fair value (Tk 74.1)
- Ownership Institutions (32.72%) hold more than the public (15.42%)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Profitability Net profit shrinking 2.29% a year
Notes
- Profitability Average ROE 11.32% (moderate)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Mid cap (Tk 200-1,000 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
22.9% above the low, 14.4% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 51.3%
- Institution 32.7%
- Foreign 0.5%
- Public 15.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 5.89 | 40.87 | 104 | 15 | 10 |
| 2022 | 5.21 | 41 | 102 | 15 | 2 |
| 2023 | 4.95 | 43.63 | 98 | 15 | 0 |
| 2024 | 5.07 | 47.25 | 101 | 15 | 2 |
| 2025 | 4.69 | 49.55 | 95 | 15 | 0 |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 102.3%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.