Dhanlaxmi Bank Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 3, 2025, 1:34 am

Market Cap	1,178 Cr.
Current Price	29.9
High / Low	40.6/22.0
Stock P/E	28.8
Book Value	27.2
Dividend Yield	0.00 %
ROCE	5.38 %
ROE	5.79 %
Face Value	10.0
PEG Ratio	15.61

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Dhanlaxmi Bank Ltd

Competitors of Dhanlaxmi Bank Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Fino Payments Bank Ltd	1,911 Cr.	230	467/200	20.4	80.6	0.00 %	7.07 %	14.4 %	10.0
Yes Bank Ltd	54,556 Cr.	17.4	28.6/16.0	25.2	15.0	0.00 %	5.81 %	3.11 %	2.00
Ujjivan Small Finance Bank Ltd	6,666 Cr.	34.5	56.7/30.8	6.86	30.0	4.35 %	11.1 %	26.7 %	10.0
South Indian Bank Ltd	6,188 Cr.	23.6	31.8/22.3	4.96	37.2	1.27 %	6.19 %	13.8 %	1.00
Karnataka Bank Ltd	6,794 Cr.	180	245/162	5.25	306	3.05 %	6.24 %	13.7 %	10.0
Industry Average	161,535.14 Cr	434.22		13.68	244.61	1.08%	7.14%	13.99%	6.14

All Competitor Stocks of Dhanlaxmi Bank Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	235	235	258	262	276	274	289	304	308	306	306	329	335
Interest	139	138	141	146	149	159	171	183	194	201	206	208	206
Expenses	128	140	122	123	141	132	141	118	147	135	140	140	151
Financing Profit	-32	-44	-5	-7	-14	-17	-22	3	-33	-30	-40	-19	-22
Financing Margin %	-14%	-19%	-2%	-3%	-5%	-6%	-8%	1%	-11%	-10%	-13%	-6%	-7%
Other Income	35	69	-22	23	36	37	52	24	36	41	32	52	42
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	2	25	-26	16	22	20	30	26	3	11	-8	33	20
Tax %	0%	5%	0%	0%	0%	-87%	7%	12%	0%	69%	0%	21%	0%
Net Profit	2	23	-26	16	22	38	28	23	3	3	-8	26	20
EPS in Rs	0.05	0.59	-0.67	0.40	0.55	0.97	0.72	0.59	0.08	0.08	-0.20	0.65	0.50
Gross NPA %	7.55%	6.32%	6.35%	6.04%	5.83%	5.19%	5.21%	5.36%	4.81%	4.05%	4.04%	3.82%	3.53%
Net NPA %	3.83%	2.85%	2.69%	2.32%	1.82%	1.16%	1.09%	1.29%	1.27%	1.25%	1.26%	1.12%	0.86%

Last Updated: March 3, 2025, 4:46 pm

Below is a detailed analysis of the quarterly data for Dhanlaxmi Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹206.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 208.00 Cr. (Sep 2024) to ₹206.00 Cr., marking a decrease of 2.00 Cr..
For Expenses, as of Dec 2024, the value is ₹151.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 140.00 Cr. (Sep 2024) to ₹151.00 Cr., marking an increase of 11.00 Cr..
For Other Income, as of Dec 2024, the value is ₹42.00 Cr.. The value appears to be declining and may need further review. It has decreased from 52.00 Cr. (Sep 2024) to ₹42.00 Cr., marking a decrease of 10.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹20.00 Cr.. The value appears to be declining and may need further review. It has decreased from 33.00 Cr. (Sep 2024) to ₹20.00 Cr., marking a decrease of 13.00 Cr..
For Tax %, as of Dec 2024, the value is 0.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Sep 2024) to 0.00%, marking a decrease of 21.00%.
For Net Profit, as of Dec 2024, the value is ₹20.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Sep 2024) to ₹20.00 Cr., marking a decrease of 6.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.50. The value appears to be declining and may need further review. It has decreased from 0.65 (Sep 2024) to 0.50, marking a decrease of 0.15.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:28 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	1,308	1,292	1,284	1,204	1,089	1,013	971	988	931	917	1,071	1,207	1,275
Interest	1,032	1,012	985	900	757	668	625	614	601	554	595	749	822
Expenses	383	574	607	566	410	460	377	407	399	476	498	515	566
Financing Profit	-107	-294	-308	-261	-78	-114	-30	-34	-70	-113	-22	-57	-112
Financing Margin %	-8%	-23%	-24%	-22%	-7%	-11%	-3%	-3%	-7%	-12%	-2%	-5%	-9%
Other Income	114	73	85	77	111	102	53	113	122	169	75	153	167
Depreciation	31	31	18	25	20	13	11	13	15	20	21	25	0
Profit before tax	-23	-252	-241	-209	12	-25	12	66	37	36	32	70	55
Tax %	-111%	0%	0%	-0%	0%	0%	0%	0%	0%	0%	-56%	18%
Net Profit	3	-252	-241	-209	12	-25	12	66	37	36	49	58	41
EPS in Rs	0.20	-12.82	-8.72	-7.57	0.38	-0.63	0.30	1.67	0.94	0.91	1.25	1.46	1.03
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-8500.00%	4.37%	13.28%	105.74%	-308.33%	148.00%	450.00%	-43.94%	-2.70%	36.11%	18.37%
Change in YoY Net Profit Growth (%)	0.00%	8504.37%	8.91%	92.46%	-414.07%	456.33%	302.00%	-493.94%	41.24%	38.81%	-17.74%

Dhanlaxmi Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	-1%
5 Years:	4%
3 Years:	9%
TTM:	9%

Compounded Profit Growth
10 Years:	8%
5 Years:	37%
3 Years:	16%
TTM:	-56%

Stock Price CAGR
10 Years:	2%
5 Years:	35%
3 Years:	40%
1 Year:	-24%

Return on Equity
10 Years:	-3%
5 Years:	6%
3 Years:	5%
Last Year:	6%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 3:50 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	85	126	177	177	210	253	253	253	253	253	253	253	253
Reserves	681	610	546	331	445	496	508	574	611	647	708	777	803
Deposits	11,524	12,428	12,677	11,499	11,294	10,920	10,603	10,904	11,712	12,403	13,352	14,290	14,631
Borrowings	1,270	1,040	646	107	145	392	200	178	150	150	492	299	150
Other Liabilities	11,794	12,911	12,982	11,848	11,533	11,145	10,837	11,261	12,082	12,746	13,679	14,633	14,944
Total Liabilities	13,830	14,688	14,352	12,463	12,333	12,286	11,799	12,265	13,096	13,796	15,132	15,962	16,149
Fixed Assets	125	199	184	152	183	173	169	179	225	221	251	267	274
CWIP	10	13	19	27	31	31	33	35	0	0	7	8	0
Investments	4,509	4,482	4,497	3,792	4,194	4,365	4,037	3,682	4,439	4,044	3,889	3,942	3,243
Other Assets	9,184	9,993	9,652	8,492	7,925	7,718	7,560	8,369	8,433	9,531	10,986	11,745	12,632
Total Assets	13,830	14,688	14,352	12,463	12,333	12,286	11,799	12,265	13,096	13,796	15,132	15,962	16,149

Below is a detailed analysis of the balance sheet data for Dhanlaxmi Bank Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹253.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 253.00 Cr..
For Reserves, as of Sep 2024, the value is ₹803.00 Cr.. The value appears strong and on an upward trend. It has increased from 777.00 Cr. (Mar 2024) to ₹803.00 Cr., marking an increase of 26.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹150.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 299.00 Cr. (Mar 2024) to ₹150.00 Cr., marking a decrease of 149.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹14,944.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14,633.00 Cr. (Mar 2024) to ₹14,944.00 Cr., marking an increase of 311.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹16,149.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15,962.00 Cr. (Mar 2024) to ₹16,149.00 Cr., marking an increase of 187.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹274.00 Cr.. The value appears strong and on an upward trend. It has increased from 267.00 Cr. (Mar 2024) to ₹274.00 Cr., marking an increase of 7.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 8.00 Cr..
For Investments, as of Sep 2024, the value is ₹3,243.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,942.00 Cr. (Mar 2024) to ₹3,243.00 Cr., marking a decrease of 699.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹12,632.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,745.00 Cr. (Mar 2024) to ₹12,632.00 Cr., marking an increase of 887.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹16,149.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,962.00 Cr. (Mar 2024) to ₹16,149.00 Cr., marking an increase of 187.00 Cr..

Notably, the Reserves (₹803.00 Cr.) exceed the Borrowings (150.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-113	649	-605	-298	-99	-203	-144	554	-90	139	216	17
Cash from Investing Activity +	-19	-24	-10	-9	-11	-3	-10	-25	-27	-388	-106	111
Cash from Financing Activity +	143	114	230	-150	84	270	-95	-23	-28	0	0	0
Net Cash Flow	11	738	-385	-457	-26	64	-248	506	-144	-249	111	128

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	372.00	562.00	595.00	555.00	399.00	450.00	367.00	397.00	388.00	464.00	485.00	501.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	0%	-34%	-33%	-34%	2%	-4%	2%	8%	4%	4%	5%	6%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
FIIs	11.50%	11.43%	11.62%	10.84%	10.86%	10.97%	10.76%	11.89%	6.10%	5.93%	4.97%	6.95%
DIIs	0.07%	0.07%	0.07%	0.07%	0.12%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.16%
Public	88.43%	88.50%	88.31%	89.07%	89.01%	88.95%	89.16%	88.04%	93.82%	93.99%	94.96%	92.90%
No. of Shareholders	96,864	97,202	96,452	1,09,408	1,08,521	1,06,415	1,18,022	1,25,389	2,12,869	2,00,558	1,85,822	1,84,128

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	2.29	1.95	1.42	1.47	2.60
Diluted EPS (Rs.)	2.29	1.95	1.42	1.47	2.60
Cash EPS (Rs.)	3.28	2.79	2.21	2.08	3.13
Book Value[Excl.RevalReserv]/Share (Rs.)	34.40	31.66	30.11	28.67	27.18
Book Value[Incl.RevalReserv]/Share (Rs.)	40.70	37.99	35.57	34.15	32.68
Operating Revenue / Share (Rs.)	47.70	42.34	36.23	36.79	39.03
Net Profit / Share (Rs.)	2.29	1.95	1.42	1.47	2.60
Interest Income / Employee (Rs.)	7158900.36	6062462.37	5316922.85	5620451.09	5761900.23
Net Profit / Employee (Rs.)	342953.14	279357.67	208260.44	224565.82	383771.88
Business / Employee (Rs.)	144676539.74	129050203.17	119169799.88	111710763.89	101517901.40
Interest Income / Branch (Rs.)	46244850.57	42341387.35	36812751.00	37989661.22	39983388.66
Net Profit / Branches (Rs.)	2215398.47	1951086.96	1441931.73	1517881.63	2663097.17
Business / Branches (Rs.)	934577187.74	901311102.77	825095321.29	755073571.43	704460255.06
Net Profit Margin (%)	4.79	4.60	3.91	3.99	6.66
Operating Profit Margin (%)	-7.84	-2.34	-14.53	-11.20	-4.76
Return On Assets (%)	0.36	0.32	0.26	0.28	0.53
Return On Equity / Networth (%)	6.64	6.16	4.71	5.12	9.56
Net Interest Margin (X)	2.87	3.14	2.62	2.51	3.04
Cost To Income (%)	88.66	77.61	74.72	77.69	66.67
Interest Income / Total Assets (%)	7.56	7.07	6.64	7.10	8.05
Non-Interest Income / Total Assets (%)	0.95	0.49	1.22	1.08	0.92
Operating Profit / Total Assets (%)	-0.59	-0.16	-0.96	-0.79	-0.38
Operating Expenses / Total Assets (%)	3.39	2.82	2.87	2.79	2.64
Interest Expenses / Total Assets (%)	4.68	3.93	4.01	4.58	5.00
Enterprise Value (Rs.Cr.)	14872.99	13373.29	12187.97	11635.00	10736.97
EV Per Net Sales (X)	12.32	12.48	13.30	12.50	10.87
Price To Book Value (X)	1.20	0.45	0.41	0.51	0.29
Price To Sales (X)	0.86	0.34	0.34	0.40	0.20
Retention Ratios (%)	100.00	100.00	100.00	100.00	100.00
Earnings Yield (X)	0.05	0.13	0.11	0.09	0.32

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 24, the value is 2.29. This value is below the healthy minimum of 5. It has increased from 1.95 (Mar 23) to 2.29, marking an increase of 0.34.
For Diluted EPS (Rs.), as of Mar 24, the value is 2.29. This value is below the healthy minimum of 5. It has increased from 1.95 (Mar 23) to 2.29, marking an increase of 0.34.
For Cash EPS (Rs.), as of Mar 24, the value is 3.28. This value is within the healthy range. It has increased from 2.79 (Mar 23) to 3.28, marking an increase of 0.49.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 34.40. It has increased from 31.66 (Mar 23) to 34.40, marking an increase of 2.74.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 40.70. It has increased from 37.99 (Mar 23) to 40.70, marking an increase of 2.71.
For Net Profit / Share (Rs.), as of Mar 24, the value is 2.29. This value is within the healthy range. It has increased from 1.95 (Mar 23) to 2.29, marking an increase of 0.34.
For Net Profit Margin (%), as of Mar 24, the value is 4.79. This value is below the healthy minimum of 5. It has increased from 4.60 (Mar 23) to 4.79, marking an increase of 0.19.
For Return On Assets (%), as of Mar 24, the value is 0.36. This value is below the healthy minimum of 5. It has increased from 0.32 (Mar 23) to 0.36, marking an increase of 0.04.
For Retention Ratios (%), as of Mar 24, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 23) which recorded 100.00.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Dhanlaxmi Bank Ltd as of April 4, 2025 is: 37.01

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Dhanlaxmi Bank Ltd is Undervalued by 23.78% compared to the current share price 29.90

Intrinsic Value of Dhanlaxmi Bank Ltd as of April 4, 2025 is: 37.69

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Dhanlaxmi Bank Ltd is Undervalued by 26.05% compared to the current share price 29.90

Last 5 Year EPS CAGR: 1.85%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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:
1. Net Profit Margin: 4.79%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 7.14%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.99%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 28.8 (Industry average Stock P/E: 13.68)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Dhanlaxmi Bank Ltd. is a Public Limited Listed company incorporated on 14/11/1927 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65191KL1927PLC000307 and registration number is 000307. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 1206.99 Cr. and Equity Capital is Rs. 253.01 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Banks - Private Sector	P.B. No. 9, Dhanalakshmi Buildings, Thrisoor Kerala 680001	investors@dhanbank.co.in http://www.dhanbank.com

Management
Name	Position Held
Mr. K N Madhusoodanan	Chairman
Mr. K K Ajit Kumar	Managing Director & CEO
Mr. G Rajagopalan Nair	Independent Director
Ms. Vardhini Kalyanaraman	Independent Director
Dr. Nirmala Padmanabhan	Independent Director
Mr. Sreesankar Radhakrishnan	Independent Director
Dr. C K Jineesh Nath	Additional Director
Mr. Nageswara Rao Chatrali	Nominee Director
Mr. D K Kashyap	Nominee Director
Mr. Jayakumar Yarasi	Nominee Director

FAQ

What is the intrinsic value of Dhanlaxmi Bank Ltd?

Dhanlaxmi Bank Ltd's intrinsic value (as of 03 April 2025) is ₹37.01 — 23.78% higher the current market price of ₹29.90, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,178 Cr. market cap, FY2025-2026 high/low of ₹40.6/22.0, reserves of 803 Cr, and liabilities of 16,149 Cr.

What is the Market Cap of Dhanlaxmi Bank Ltd?

The Market Cap of Dhanlaxmi Bank Ltd is 1,178 Cr..

What is the current Stock Price of Dhanlaxmi Bank Ltd as on 03 April 2025?

The current stock price of Dhanlaxmi Bank Ltd as on 03 April 2025 is 29.9.

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 ₹40.6/22.0.

What is the Stock P/E of Dhanlaxmi Bank Ltd?

The Stock P/E of Dhanlaxmi Bank Ltd is 28.8.

What is the Book Value of Dhanlaxmi Bank Ltd?

The Book Value of Dhanlaxmi Bank Ltd is 27.2.

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 5.38 %.

What is the ROE of Dhanlaxmi Bank Ltd?

The ROE of Dhanlaxmi Bank Ltd is 5.79 %.

What is the Face Value of Dhanlaxmi Bank Ltd?

The Face Value of Dhanlaxmi Bank Ltd is 10.0.