Share Price and Basic Stock Data
Last Updated: January 27, 2026, 8:35 pm
| PEG Ratio | 0.58 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Dhanlaxmi Bank Ltd operates in the private sector banking industry and has shown a steady revenue growth trajectory, with reported revenues increasing from ₹917 Cr in FY 2022 to ₹1,071 Cr in FY 2023, marking a growth of 16.8%. For FY 2024, revenue is expected to rise further to ₹1,207 Cr, while FY 2025 is projected to reach ₹1,320 Cr, indicating a consistent upward trend. Quarterly revenue figures reflect this growth, with revenues rising from ₹262 Cr in September 2022 to ₹304 Cr in September 2023, and further to ₹335 Cr in December 2024. This growth is driven by an increase in interest income, which rose from ₹554 Cr in FY 2022 to ₹595 Cr in FY 2023, and is projected to reach ₹749 Cr in FY 2024. The bank’s ability to enhance its revenue stream is critical in a competitive banking landscape where growth is essential for sustainability and market positioning.
Profitability and Efficiency Metrics
The profitability of Dhanlaxmi Bank has seen marked improvement, with net profit rising from ₹36 Cr in FY 2022 to ₹49 Cr in FY 2023. This upward trend continues with a reported net profit of ₹58 Cr for FY 2024 and ₹67 Cr for FY 2025, reflecting the bank’s effective management of costs and operational efficiency. The bank’s net profit margin stood at 5.04% for FY 2025, up from 4.60% in FY 2023, demonstrating improved profitability relative to revenue. However, the bank’s return on equity (ROE) remains modest at 5.38% for FY 2025, indicating room for improvement compared to the typical sector average. The financing margin, though negative in previous years, turned positive in September 2023 at 1% but has fluctuated, posing questions about the bank’s interest income management. Overall, while profitability metrics are on an upward trajectory, consistent efficiency in managing costs and improving margins is crucial for long-term sustainability.
Balance Sheet Strength and Financial Ratios
Dhanlaxmi Bank’s balance sheet reflects a gradual strengthening, with total assets increasing from ₹13,796 Cr in FY 2022 to ₹15,132 Cr in FY 2023, and projected to reach ₹17,937 Cr by FY 2025. Reserves have also seen a notable rise, moving from ₹647 Cr in FY 2022 to ₹1,001 Cr in FY 2024, indicating a robust capital position. The bank reported a gross non-performing asset (NPA) ratio of 5.36% in September 2023, which improved to 3.10% by September 2025, suggesting enhanced asset quality. The price-to-book ratio stood at 0.94 in FY 2025, reflecting potentially undervalued stock relative to its book value, which is a positive indicator for investors. However, the cost-to-income ratio of 85.42% in FY 2025 indicates that the bank must enhance operational efficiency to improve profitability. The bank’s ability to maintain a strong balance sheet while managing operational costs will be critical for its financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dhanlaxmi Bank reveals a diversified ownership structure, with public shareholders holding 84.68% of the bank’s equity as of September 2025. Foreign institutional investors (FIIs) have increased their stake to 15.27%, indicating growing confidence from international investors, while domestic institutional investors (DIIs) remain minimal at 0.05%. The number of shareholders rose significantly from 1,09,408 in December 2022 to 1,79,703 in September 2025, suggesting increased retail investor interest. However, the fluctuations in FII holdings, which peaked at 15.26% in March 2025 but dropped to 15.27%, may indicate market volatility’s impact on investor sentiment. The overall distribution of shares, combined with rising retail participation, reflects a positive outlook on the bank’s performance and growth potential, though the low DII participation raises questions about institutional support.
Outlook, Risks, and Final Insight
Dhanlaxmi Bank’s outlook appears cautiously optimistic, supported by consistent revenue growth and improved asset quality. However, challenges remain, particularly in managing operational efficiency and maintaining profitability amidst fluctuating financing margins. The bank’s ROE is lower than sector averages, suggesting the need for strategies to enhance shareholder returns. Risks include the potential for increased competition in the banking sector, which could impact margins, and the dependency on interest income, which is subject to market fluctuations. Additionally, maintaining a healthy NPA ratio will be crucial to avoid asset quality deterioration. In summary, while Dhanlaxmi Bank has strengthened its position over recent years, it must focus on improving operational efficiencies and enhancing profitability to sustain growth and build investor confidence moving forward.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,738 Cr. | 209 | 339/180 | 21.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,445 Cr. | 28.0 | 37.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,163 Cr. | 256 | 331/249 | 8.60 | 307 | 1.56 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 65,896 Cr. | 21.0 | 24.3/16.0 | 20.8 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,031 Cr. | 62.1 | 68.0/30.8 | 24.4 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 158,851.09 Cr | 347.59 | 17.60 | 214.59 | 0.60% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 262 | 276 | 274 | 289 | 304 | 308 | 306 | 306 | 329 | 335 | 351 | 368 | 384 |
| Interest | 146 | 149 | 159 | 171 | 183 | 194 | 201 | 206 | 208 | 206 | 216 | 229 | 242 |
| Expenses | 123 | 141 | 132 | 141 | 118 | 147 | 135 | 140 | 140 | 151 | 150 | 166 | 153 |
| Financing Profit | -7 | -14 | -17 | -22 | 3 | -33 | -30 | -40 | -19 | -22 | -16 | -27 | -11 |
| Financing Margin % | -3% | -5% | -6% | -8% | 1% | -11% | -10% | -13% | -6% | -7% | -5% | -7% | -3% |
| Other Income | 23 | 36 | 37 | 52 | 24 | 36 | 41 | 32 | 52 | 42 | 43 | 39 | 35 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 16 | 22 | 20 | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 | 23 |
| Tax % | 0% | 0% | -87% | 7% | 12% | 0% | 69% | 0% | 21% | 0% | -7% | 0% | 0% |
| Net Profit | 16 | 22 | 38 | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 | 23 |
| EPS in Rs | 0.40 | 0.55 | 0.97 | 0.72 | 0.59 | 0.08 | 0.08 | -0.20 | 0.65 | 0.50 | 0.73 | 0.31 | 0.59 |
| Gross NPA % | 6.04% | 5.83% | 5.19% | 5.21% | 5.36% | 4.81% | 4.05% | 4.04% | 3.82% | 3.53% | 2.98% | 3.22% | 3.10% |
| Net NPA % | 2.32% | 1.82% | 1.16% | 1.09% | 1.29% | 1.27% | 1.25% | 1.26% | 1.12% | 0.86% | 0.99% | 1.13% | 1.12% |
Last Updated: January 1, 2026, 11:02 pm
Below is a detailed analysis of the quarterly data for Dhanlaxmi Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 242.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 229.00 Cr. (Jun 2025) to 242.00 Cr., marking an increase of 13.00 Cr..
- For Expenses, as of Sep 2025, the value is 153.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 166.00 Cr. (Jun 2025) to 153.00 Cr., marking a decrease of 13.00 Cr..
- For Other Income, as of Sep 2025, the value is 35.00 Cr.. The value appears to be declining and may need further review. It has decreased from 39.00 Cr. (Jun 2025) to 35.00 Cr., marking a decrease of 4.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 23.00 Cr.. The value appears strong and on an upward trend. It has increased from 12.00 Cr. (Jun 2025) to 23.00 Cr., marking an increase of 11.00 Cr..
- For Tax %, as of Sep 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00%.
- For Net Profit, as of Sep 2025, the value is 23.00 Cr.. The value appears strong and on an upward trend. It has increased from 12.00 Cr. (Jun 2025) to 23.00 Cr., marking an increase of 11.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.59. The value appears strong and on an upward trend. It has increased from 0.31 (Jun 2025) to 0.59, marking an increase of 0.28.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:27 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,292 | 1,284 | 1,204 | 1,089 | 1,013 | 971 | 988 | 931 | 917 | 1,071 | 1,207 | 1,320 | 1,437 |
| Interest | 1,012 | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 749 | 837 | 893 |
| Expenses | 574 | 607 | 566 | 410 | 460 | 377 | 427 | 394 | 474 | 498 | 515 | 556 | 620 |
| Financing Profit | -294 | -308 | -261 | -78 | -114 | -30 | -53 | -64 | -112 | -22 | -57 | -72 | -77 |
| Financing Margin % | -23% | -24% | -22% | -7% | -11% | -3% | -5% | -7% | -12% | -2% | -5% | -5% | -5% |
| Other Income | 73 | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 153 | 169 | 159 |
| Depreciation | 31 | 18 | 25 | 20 | 13 | 11 | 13 | 15 | 20 | 21 | 25 | 25 | 0 |
| Profit before tax | -252 | -241 | -209 | 12 | -25 | 12 | 46 | 43 | 37 | 32 | 70 | 72 | 82 |
| Tax % | 0% | 0% | -0% | 0% | 0% | 0% | -43% | 13% | 3% | -56% | 18% | 7% | |
| Net Profit | -252 | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 84 |
| EPS in Rs | -12.82 | -8.72 | -7.57 | 0.38 | -0.63 | 0.30 | 1.67 | 0.94 | 0.91 | 1.25 | 1.46 | 1.69 | 2.13 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 4.37% | 13.28% | 105.74% | -308.33% | 148.00% | 450.00% | -43.94% | -2.70% | 36.11% | 18.37% | 15.52% |
| Change in YoY Net Profit Growth (%) | 0.00% | 8.91% | 92.46% | -414.07% | 456.33% | 302.00% | -493.94% | 41.24% | 38.81% | -17.74% | -2.85% |
Dhanlaxmi Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 6% |
| 3 Years: | 13% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 0% |
| 3 Years: | 23% |
| TTM: | 303% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 18% |
| 3 Years: | 36% |
| 1 Year: | -20% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 5% |
| 3 Years: | 6% |
| Last Year: | 6% |
Last Updated: September 5, 2025, 2:50 am
Balance Sheet
Last Updated: December 4, 2025, 1:10 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 126 | 177 | 177 | 210 | 253 | 253 | 253 | 253 | 253 | 253 | 253 | 395 | 395 |
| Reserves | 610 | 546 | 331 | 445 | 496 | 508 | 574 | 611 | 647 | 708 | 777 | 1,001 | 1,023 |
| Deposits | 12,428 | 12,677 | 11,499 | 11,294 | 10,920 | 10,603 | 10,904 | 11,712 | 12,403 | 13,352 | 14,290 | 16,013 | 17,105 |
| Borrowing | 1,040 | 646 | 107 | 145 | 392 | 200 | 178 | 150 | 150 | 492 | 299 | 200 | 453 |
| Other Liabilities | 482 | 305 | 349 | 240 | 225 | 234 | 357 | 370 | 343 | 327 | 343 | 328 | 329 |
| Total Liabilities | 14,688 | 14,352 | 12,463 | 12,333 | 12,286 | 11,799 | 12,265 | 13,096 | 13,796 | 15,132 | 15,962 | 17,937 | 19,304 |
| Fixed Assets | 199 | 184 | 152 | 183 | 173 | 169 | 179 | 225 | 221 | 251 | 267 | 266 | 279 |
| CWIP | 13 | 19 | 27 | 31 | 31 | 33 | 35 | 0 | 0 | 7 | 8 | 15 | 0 |
| Investments | 4,482 | 4,497 | 3,792 | 4,194 | 4,365 | 4,037 | 3,682 | 4,439 | 4,044 | 3,889 | 3,942 | 3,955 | 4,644 |
| Other Assets | 9,993 | 9,652 | 8,492 | 7,925 | 7,718 | 7,560 | 8,369 | 8,433 | 9,531 | 10,986 | 11,745 | 13,700 | 14,380 |
| Total Assets | 14,688 | 14,352 | 12,463 | 12,333 | 12,286 | 11,799 | 12,265 | 13,096 | 13,796 | 15,132 | 15,962 | 17,937 | 19,304 |
Below is a detailed analysis of the balance sheet data for Dhanlaxmi Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 395.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 395.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,023.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,001.00 Cr. (Mar 2025) to 1,023.00 Cr., marking an increase of 22.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 329.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 328.00 Cr. (Mar 2025) to 329.00 Cr., marking an increase of 1.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 19,304.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 17,937.00 Cr. (Mar 2025) to 19,304.00 Cr., marking an increase of 1,367.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 279.00 Cr.. The value appears strong and on an upward trend. It has increased from 266.00 Cr. (Mar 2025) to 279.00 Cr., marking an increase of 13.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 15.00 Cr..
- For Investments, as of Sep 2025, the value is 4,644.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,955.00 Cr. (Mar 2025) to 4,644.00 Cr., marking an increase of 689.00 Cr..
- For Other Assets, as of Sep 2025, the value is 14,380.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,700.00 Cr. (Mar 2025) to 14,380.00 Cr., marking an increase of 680.00 Cr..
- For Total Assets, as of Sep 2025, the value is 19,304.00 Cr.. The value appears strong and on an upward trend. It has increased from 17,937.00 Cr. (Mar 2025) to 19,304.00 Cr., marking an increase of 1,367.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 562.00 | 595.00 | 555.00 | 399.00 | 450.00 | 367.00 | 417.00 | 383.00 | 462.00 | 485.00 | 501.00 | 540.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -34% | -33% | -34% | 2% | -4% | 2% | 8% | 4% | 4% | 5% | 6% | 6% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 2.37 | 2.29 | 1.95 | 1.42 | 1.47 |
| Diluted EPS (Rs.) | 2.37 | 2.29 | 1.95 | 1.42 | 1.47 |
| Cash EPS (Rs.) | 2.33 | 3.28 | 2.79 | 2.21 | 2.08 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 31.33 | 34.40 | 31.66 | 30.11 | 28.67 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 35.35 | 40.70 | 37.99 | 35.57 | 34.15 |
| Operating Revenue / Share (Rs.) | 33.44 | 47.70 | 42.34 | 36.23 | 36.79 |
| Net Profit / Share (Rs.) | 1.69 | 2.29 | 1.95 | 1.42 | 1.47 |
| Interest Income / Employee (Rs.) | 7516384.97 | 7158900.36 | 6062462.37 | 5316922.85 | 5620451.09 |
| Net Profit / Employee (Rs.) | 379506.83 | 342953.14 | 279357.67 | 208260.44 | 224565.82 |
| Business / Employee (Rs.) | 159299209.57 | 144676539.74 | 129050203.17 | 119169799.88 | 111710763.89 |
| Interest Income / Branch (Rs.) | 50570007.66 | 46244850.57 | 42341387.35 | 36812751.00 | 37989661.22 |
| Net Profit / Branches (Rs.) | 2553310.34 | 2215398.47 | 1951086.96 | 1441931.73 | 1517881.63 |
| Business / Branches (Rs.) | 1071760199.23 | 934577187.74 | 901311102.77 | 825095321.29 | 755073571.43 |
| Net Profit Margin (%) | 5.04 | 4.79 | 4.60 | 3.91 | 3.99 |
| Operating Profit Margin (%) | 10.21 | 9.46 | 8.97 | 6.75 | 7.89 |
| Return On Assets (%) | 0.37 | 0.36 | 0.32 | 0.26 | 0.28 |
| Return On Equity / Networth (%) | 5.38 | 6.64 | 6.16 | 4.71 | 5.12 |
| Net Interest Margin (X) | 2.69 | 2.87 | 3.14 | 2.62 | 2.51 |
| Cost To Income (%) | 85.42 | 88.66 | 77.61 | 74.72 | 77.69 |
| Interest Income / Total Assets (%) | 7.35 | 7.56 | 7.07 | 6.64 | 7.10 |
| Non-Interest Income / Total Assets (%) | 0.94 | 0.95 | 0.49 | 1.22 | 1.08 |
| Operating Profit / Total Assets (%) | -0.57 | -0.59 | -0.16 | -0.96 | -0.79 |
| Operating Expenses / Total Assets (%) | 3.10 | 3.39 | 2.82 | 2.87 | 2.79 |
| Interest Expenses / Total Assets (%) | 4.66 | 4.68 | 3.93 | 4.01 | 4.58 |
| Enterprise Value (Rs.Cr.) | 16391.73 | 14872.99 | 13373.29 | 12187.97 | 11635.00 |
| EV Per Net Sales (X) | 12.42 | 12.32 | 12.48 | 13.30 | 12.50 |
| Price To Book Value (X) | 0.94 | 1.20 | 0.45 | 0.41 | 0.51 |
| Price To Sales (X) | 0.88 | 0.86 | 0.34 | 0.34 | 0.40 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.05 | 0.05 | 0.13 | 0.11 | 0.09 |
After reviewing the key financial ratios for Dhanlaxmi Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 2.37. This value is below the healthy minimum of 5. It has increased from 2.29 (Mar 24) to 2.37, marking an increase of 0.08.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.37. This value is below the healthy minimum of 5. It has increased from 2.29 (Mar 24) to 2.37, marking an increase of 0.08.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.33. This value is below the healthy minimum of 3. It has decreased from 3.28 (Mar 24) to 2.33, marking a decrease of 0.95.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 31.33. It has decreased from 34.40 (Mar 24) to 31.33, marking a decrease of 3.07.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 35.35. It has decreased from 40.70 (Mar 24) to 35.35, marking a decrease of 5.35.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.69. This value is below the healthy minimum of 2. It has decreased from 2.29 (Mar 24) to 1.69, marking a decrease of 0.60.
- For Net Profit Margin (%), as of Mar 25, the value is 5.04. This value is within the healthy range. It has increased from 4.79 (Mar 24) to 5.04, marking an increase of 0.25.
- For Return On Assets (%), as of Mar 25, the value is 0.37. This value is below the healthy minimum of 5. It has increased from 0.36 (Mar 24) to 0.37, marking an increase of 0.01.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Dhanlaxmi Bank Ltd:
- Net Profit Margin: 5.04%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 10.8 (Industry average Stock P/E: 17.6)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 5.04%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | P.B. No. 9, Dhanalakshmi Buildings, Thrisoor Kerala 680001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. K N Madhusoodanan | Chairman |
| Mr. K K Ajith Kumar | Managing Director & CEO |
| Dr. C K Jineesh Nath | Director |
| Ms. Vardhini Kalyanaraman | Independent Director |
| Mr. G Rajagopalan Nair | Independent Director |
| Dr. Nirmala Padmanabhan | Independent Director |
| Mr. Ashutosh Khajuria | Independent Director |
| Mr. P Suriaraj | Executive Director |
| Mr. D K Kashyap | Nominee Director |
| Mr. C Nageswara Rao | Nominee Director |
FAQ
What is the intrinsic value of Dhanlaxmi Bank Ltd?
Dhanlaxmi Bank Ltd's intrinsic value (as of 27 January 2026) is ₹20.84 which is 13.53% lower the current market price of ₹24.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹953 Cr. market cap, FY2025-2026 high/low of ₹33.5/22.0, reserves of ₹1,023 Cr, and liabilities of ₹19,304 Cr.
What is the Market Cap of Dhanlaxmi Bank Ltd?
The Market Cap of Dhanlaxmi Bank Ltd is 953 Cr..
What is the current Stock Price of Dhanlaxmi Bank Ltd as on 27 January 2026?
The current stock price of Dhanlaxmi Bank Ltd as on 27 January 2026 is ₹24.1.
What is the High / Low of Dhanlaxmi Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Dhanlaxmi Bank Ltd stocks is ₹33.5/22.0.
What is the Stock P/E of Dhanlaxmi Bank Ltd?
The Stock P/E of Dhanlaxmi Bank Ltd is 10.8.
What is the Book Value of Dhanlaxmi Bank Ltd?
The Book Value of Dhanlaxmi Bank Ltd is 36.4.
What is the Dividend Yield of Dhanlaxmi Bank Ltd?
The Dividend Yield of Dhanlaxmi Bank Ltd is 0.00 %.
What is the ROCE of Dhanlaxmi Bank Ltd?
The ROCE of Dhanlaxmi Bank Ltd is 5.47 %.
What is the ROE of Dhanlaxmi Bank Ltd?
The ROE of Dhanlaxmi Bank Ltd is 5.48 %.
What is the Face Value of Dhanlaxmi Bank Ltd?
The Face Value of Dhanlaxmi Bank Ltd is 10.0.