Share Price and Basic Stock Data
Last Updated: November 3, 2025, 8:34 pm
| PEG Ratio | 0.65 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Dhanlaxmi Bank Ltd, operating in the private sector banking industry, reported a share price of ₹27.0 and a market capitalization of ₹1,066 Cr. The bank’s revenue trajectory has shown positive momentum, with total revenue standing at ₹1,071 Cr for the fiscal year ending March 2023, a growth from ₹917 Cr in March 2022. This upward trend continued with revenue recorded at ₹1,207 Cr in March 2024, and further rising to ₹1,320 Cr for March 2025. Quarterly data indicates consistent revenue growth, with the latest quarter (September 2023) reporting ₹304 Cr, an increase from ₹289 Cr in June 2023. This consistent revenue generation reflects the bank’s ability to adapt to market conditions and capture opportunities, particularly in a competitive financial landscape.
Profitability and Efficiency Metrics
Dhanlaxmi Bank’s profitability metrics reveal a mixed performance. The net profit for the fiscal year ending March 2025 was reported at ₹67 Cr, up from ₹49 Cr in March 2023, indicating a recovering profitability trend. The bank’s return on equity (ROE) stood at 5.48% and return on capital employed (ROCE) at 5.47%, which are relatively modest compared to sector averages, suggesting room for improvement in operational efficiency. The net profit margin for March 2025 was recorded at 5.04%, reflecting a gradual increase from 4.60% in March 2023. However, financing profit remains a concern, with a reported loss of ₹72 Cr for March 2025, highlighting challenges in interest income management. Overall, while profitability is on an upward trajectory, efficiency improvements are essential to enhance returns.
Balance Sheet Strength and Financial Ratios
Dhanlaxmi Bank’s balance sheet reflects a solid foundation, with total assets increasing to ₹17,937 Cr by March 2025, up from ₹15,132 Cr in March 2023. The bank’s reserves also saw substantial growth, reaching ₹1,001 Cr, indicating a strengthening capital position. The equity capital increased to ₹395 Cr in March 2025 from ₹253 Cr in March 2023, demonstrating successful capital raising efforts. The bank’s debt levels appear manageable, with borrowings recorded at ₹200 Cr for March 2025. Financial ratios such as the price-to-earnings (P/E) ratio stood at 12.3, and the price-to-book value (P/BV) at 0.83, suggest that the bank is trading at a reasonable valuation compared to its book value. However, the cost-to-income ratio of 39.34% raises questions about operational efficiency, as it remains high relative to typical sector benchmarks.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dhanlaxmi Bank indicates a diverse ownership structure, with public shareholders holding 84.68% of the shares. Foreign institutional investors (FIIs) accounted for 15.27%, reflecting a growing interest from external investors, up from 10.84% in December 2022. The decline in domestic institutional investors (DIIs) to 0.05% suggests limited institutional confidence at this point. The number of shareholders stood at 1,79,703, indicating a broad base of retail investors. This distribution of ownership may provide resilience against market volatility. However, the fluctuation in FIIs, which peaked at 15.52% in June 2025, could imply changing sentiments towards the bank’s future prospects, making investor confidence a critical area to monitor as the bank navigates its growth trajectory.
Outlook, Risks, and Final Insight
The outlook for Dhanlaxmi Bank appears cautiously optimistic, supported by rising revenues and improving profitability metrics. However, the bank faces risks associated with its financing margins, which have shown negative figures in several quarters, indicating potential vulnerabilities in interest income management. Additionally, the bank’s relatively high cost-to-income ratio suggests inefficiencies that could hinder profitability growth. Strengths include a solid capital base with increasing reserves and a diversified shareholder structure. The bank’s ability to enhance operational efficiency and stabilize its financing profit will be crucial for sustaining growth. In scenarios where the bank effectively manages its interest margins and operational costs, it could further enhance profitability and shareholder value, positioning itself more favorably within the competitive banking sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 2,398 Cr. | 288 | 396/180 | 29.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,444 Cr. | 28.0 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,247 Cr. | 275 | 331/250 | 9.23 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 72,068 Cr. | 23.0 | 24.3/16.0 | 25.4 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,207 Cr. | 52.7 | 54.6/30.8 | 24.5 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 160,955.70 Cr | 409.77 | 18.30 | 238.79 | 0.61% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 258 | 262 | 276 | 274 | 289 | 304 | 308 | 306 | 306 | 329 | 335 | 351 | 368 |
| Interest | 141 | 146 | 149 | 159 | 171 | 183 | 194 | 201 | 206 | 208 | 206 | 216 | 229 |
| Expenses | 122 | 123 | 141 | 132 | 141 | 118 | 147 | 135 | 140 | 140 | 151 | 150 | 166 |
| Financing Profit | -5 | -7 | -14 | -17 | -22 | 3 | -33 | -30 | -40 | -19 | -22 | -16 | -27 |
| Financing Margin % | -2% | -3% | -5% | -6% | -8% | 1% | -11% | -10% | -13% | -6% | -7% | -5% | -7% |
| Other Income | -22 | 23 | 36 | 37 | 52 | 24 | 36 | 41 | 32 | 52 | 42 | 43 | 39 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -26 | 16 | 22 | 20 | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 |
| Tax % | 0% | 0% | 0% | -87% | 7% | 12% | 0% | 69% | 0% | 21% | 0% | -7% | 0% |
| Net Profit | -26 | 16 | 22 | 38 | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 |
| EPS in Rs | -0.67 | 0.40 | 0.55 | 0.97 | 0.72 | 0.59 | 0.08 | 0.08 | -0.20 | 0.65 | 0.50 | 0.73 | 0.31 |
| Gross NPA % | 6.35% | 6.04% | 5.83% | 5.19% | 5.21% | 5.36% | 4.81% | 4.05% | 4.04% | 3.82% | 3.53% | 2.98% | 3.22% |
| Net NPA % | 2.69% | 2.32% | 1.82% | 1.16% | 1.09% | 1.29% | 1.27% | 1.25% | 1.26% | 1.12% | 0.86% | 0.99% | 1.13% |
Last Updated: August 1, 2025, 10:10 pm
Below is a detailed analysis of the quarterly data for Dhanlaxmi Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 229.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 216.00 Cr. (Mar 2025) to 229.00 Cr., marking an increase of 13.00 Cr..
- For Expenses, as of Jun 2025, the value is 166.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 150.00 Cr. (Mar 2025) to 166.00 Cr., marking an increase of 16.00 Cr..
- For Other Income, as of Jun 2025, the value is 39.00 Cr.. The value appears to be declining and may need further review. It has decreased from 43.00 Cr. (Mar 2025) to 39.00 Cr., marking a decrease of 4.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 12.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27.00 Cr. (Mar 2025) to 12.00 Cr., marking a decrease of 15.00 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be increasing, which may not be favorable. It has increased from -7.00% (Mar 2025) to 0.00%, marking an increase of 7.00%.
- For Net Profit, as of Jun 2025, the value is 12.00 Cr.. The value appears to be declining and may need further review. It has decreased from 29.00 Cr. (Mar 2025) to 12.00 Cr., marking a decrease of 17.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.31. The value appears to be declining and may need further review. It has decreased from 0.73 (Mar 2025) to 0.31, marking a decrease of 0.42.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 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 | 1,382 |
| Interest | 1,012 | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 749 | 837 | 859 |
| Expenses | 574 | 607 | 566 | 410 | 460 | 377 | 427 | 394 | 474 | 498 | 515 | 556 | 607 |
| Financing Profit | -294 | -308 | -261 | -78 | -114 | -30 | -53 | -64 | -112 | -22 | -57 | -72 | -85 |
| Financing Margin % | -23% | -24% | -22% | -7% | -11% | -3% | -5% | -7% | -12% | -2% | -5% | -5% | -6% |
| Other Income | 73 | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 153 | 169 | 176 |
| 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 | 92 |
| 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 | 87 |
| 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 | 2.19 |
| 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: October 10, 2025, 1:54 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 126 | 177 | 177 | 210 | 253 | 253 | 253 | 253 | 253 | 253 | 253 | 395 |
| Reserves | 610 | 546 | 331 | 445 | 496 | 508 | 574 | 611 | 647 | 708 | 777 | 1,001 |
| 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 |
| Borrowing | 1,040 | 646 | 107 | 145 | 392 | 200 | 178 | 150 | 150 | 492 | 299 | 200 |
| Other Liabilities | 482 | 305 | 349 | 240 | 225 | 234 | 357 | 370 | 343 | 327 | 343 | 328 |
| 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 |
| Fixed Assets | 199 | 184 | 152 | 183 | 173 | 169 | 179 | 225 | 221 | 251 | 267 | 266 |
| CWIP | 13 | 19 | 27 | 31 | 31 | 33 | 35 | 0 | 0 | 7 | 8 | 15 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Dhanlaxmi Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 395.00 Cr.. The value appears strong and on an upward trend. It has increased from 253.00 Cr. (Mar 2024) to 395.00 Cr., marking an increase of 142.00 Cr..
- For Reserves, as of Mar 2025, the value is 1,001.00 Cr.. The value appears strong and on an upward trend. It has increased from 777.00 Cr. (Mar 2024) to 1,001.00 Cr., marking an increase of 224.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 328.00 Cr.. The value appears to be improving (decreasing). It has decreased from 343.00 Cr. (Mar 2024) to 328.00 Cr., marking a decrease of 15.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 17,937.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15,962.00 Cr. (Mar 2024) to 17,937.00 Cr., marking an increase of 1,975.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 266.00 Cr.. The value appears to be declining and may need further review. It has decreased from 267.00 Cr. (Mar 2024) to 266.00 Cr., marking a decrease of 1.00 Cr..
- For CWIP, as of Mar 2025, the value is 15.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Mar 2024) to 15.00 Cr., marking an increase of 7.00 Cr..
- For Investments, as of Mar 2025, the value is 3,955.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,942.00 Cr. (Mar 2024) to 3,955.00 Cr., marking an increase of 13.00 Cr..
- For Other Assets, as of Mar 2025, the value is 13,700.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,745.00 Cr. (Mar 2024) to 13,700.00 Cr., marking an increase of 1,955.00 Cr..
- For Total Assets, as of Mar 2025, the value is 17,937.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,962.00 Cr. (Mar 2024) to 17,937.00 Cr., marking an increase of 1,975.00 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 - No data available for this post.
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.) | 1.69 | 3.28 | 2.79 | 2.21 | 2.08 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 35.35 | 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.) | 0.00 | 7158900.36 | 6062462.37 | 5316922.85 | 5620451.09 |
| Net Profit / Employee (Rs.) | 0.00 | 342953.14 | 279357.67 | 208260.44 | 224565.82 |
| Business / Employee (Rs.) | 0.00 | 144676539.74 | 129050203.17 | 119169799.88 | 111710763.89 |
| Interest Income / Branch (Rs.) | 0.00 | 46244850.57 | 42341387.35 | 36812751.00 | 37989661.22 |
| Net Profit / Branches (Rs.) | 0.00 | 2215398.47 | 1951086.96 | 1441931.73 | 1517881.63 |
| Business / Branches (Rs.) | 0.00 | 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 (%) | 4.77 | 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 (%) | 39.34 | 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) | 0.83 | 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 1.69. This value is below the healthy minimum of 3. It has decreased from 3.28 (Mar 24) to 1.69, marking a decrease of 1.59.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 35.35. It has increased from 34.40 (Mar 24) to 35.35, marking an increase of 0.95.
- 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
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:
- 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: 12.4 (Industry average Stock P/E: 18.3)
- 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 | 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 04 November 2025) is 19.91 which is 24.87% lower the current market price of 26.50, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,043 Cr. market cap, FY2025-2026 high/low of 36.6/22.0, reserves of ₹1,001 Cr, and liabilities of 17,937 Cr.
What is the Market Cap of Dhanlaxmi Bank Ltd?
The Market Cap of Dhanlaxmi Bank Ltd is 1,043 Cr..
What is the current Stock Price of Dhanlaxmi Bank Ltd as on 04 November 2025?
The current stock price of Dhanlaxmi Bank Ltd as on 04 November 2025 is 26.5.
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 36.6/22.0.
What is the Stock P/E of Dhanlaxmi Bank Ltd?
The Stock P/E of Dhanlaxmi Bank Ltd is 12.4.
What is the Book Value of Dhanlaxmi Bank Ltd?
The Book Value of Dhanlaxmi Bank Ltd is 35.9.
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.