Share Price and Basic Stock Data
Last Updated: January 3, 2026, 11:13 am
| PEG Ratio | 0.63 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Dhanlaxmi Bank Ltd operates within the private sector banking industry, with a current share price of ₹25.0 and a market capitalization of ₹985 Cr. The bank reported a revenue of ₹1,071 Cr for the financial year ending March 2023, which represents a growth trajectory compared to ₹917 Cr in March 2022. The trend continues with a projected revenue of ₹1,320 Cr for March 2025, indicating a steady recovery and growth in operations. Quarterly revenue figures show consistent improvement, rising from ₹262 Cr in September 2022 to ₹304 Cr in September 2023, with a further increase to ₹308 Cr in December 2023. This upward trajectory suggests a robust demand for banking services despite the challenging economic environment, showcasing the bank’s resilience and capacity to adapt. The bank’s ability to maintain revenue growth highlights its strategic initiatives and potential to capture a larger market share in the competitive banking sector.
Profitability and Efficiency Metrics
Profitability metrics for Dhanlaxmi Bank reveal a mixed performance. The net profit for the year ending March 2023 stood at ₹49 Cr, improving from ₹36 Cr in March 2022. The bank’s earnings per share (EPS) rose to ₹1.25 for the same period, up from ₹0.91 in the previous year. However, the return on equity (ROE) was recorded at 5.48%, which is lower compared to typical sector benchmarks, indicating room for improvement in capital efficiency. The bank’s cost-to-income ratio of 85.42% as of March 2025 suggests that operational efficiency remains a challenge, with high costs impacting overall profitability. The financing profit has seen fluctuations, with a net financing margin of -2% reported for March 2023, highlighting the need for better cost management and revenue generation strategies. In contrast, non-interest income has shown resilience, contributing to overall profitability despite the challenges in core banking operations.
Balance Sheet Strength and Financial Ratios
Dhanlaxmi Bank’s balance sheet reflects a total asset base of ₹17,937 Cr as of March 2025, showing substantial growth from ₹15,132 Cr in March 2023. The bank’s reserves have also strengthened, rising to ₹1,001 Cr in March 2025 from ₹708 Cr in March 2023. This solid reserve position enhances the bank’s ability to absorb shocks and support growth initiatives. However, the gross non-performing assets (NPA) ratio stood at 5.36% in September 2023, indicating concerns regarding asset quality. The net NPA ratio improved to 1.29% in September 2023, reflecting effective management of delinquent loans. Financial ratios such as the price-to-book value (P/BV) of 0.94 suggest that the stock is trading below its intrinsic value, potentially indicating an undervalued position in the market. The bank’s interest income per employee, recorded at ₹75,163,84.97 in March 2025, demonstrates the efficiency of its workforce in generating revenue.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dhanlaxmi Bank indicates a diversified ownership structure, with public shareholders holding 84.68% of the total shares. Foreign institutional investors (FIIs) accounted for 15.27% of the shareholding, reflecting a significant interest from international investors in the bank’s growth prospects. This is a notable increase from 10.84% in December 2022, suggesting rising confidence in the bank’s performance. Domestic institutional investors (DIIs) represent a minimal stake of 0.05%. The number of shareholders decreased from 1,09,408 in December 2022 to 1,79,703 in September 2025, indicating potential consolidation in ownership among larger shareholders. The increasing FII participation can be interpreted as a positive signal for investor confidence, as foreign investors typically conduct thorough due diligence before increasing their stakes in companies.
Outlook, Risks, and Final Insight
The outlook for Dhanlaxmi Bank appears cautiously optimistic, supported by improving revenue and profit figures. However, risks remain, particularly in the area of asset quality, as evidenced by the elevated gross NPA ratio. The bank’s ability to manage costs effectively and enhance operational efficiency will be critical in sustaining profitability. Additionally, the fluctuating financing margins and high cost-to-income ratios pose challenges that need to be addressed to improve overall performance. The bank’s strengthening reserves and increasing shareholding from FIIs offer positive signals for future growth. Dhanlaxmi Bank could enhance its market position by focusing on digital transformation and improving customer service to attract a broader customer base. The path forward will require a balanced approach to risk management, operational efficiency, and strategic growth initiatives.
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 | 2,155 Cr. | 259 | 345/180 | 26.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 42.6/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,230 Cr. | 271 | 331/249 | 9.10 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,941 Cr. | 22.3 | 24.3/16.0 | 24.6 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,799 Cr. | 55.7 | 56.3/30.8 | 25.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,246.48 Cr | 427.11 | 18.81 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
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: 11.7 (Industry average Stock P/E: 18.81)
- 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 04 January 2026) is ₹18.78 which is 24.88% lower the current market price of ₹25.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹985 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 985 Cr..
What is the current Stock Price of Dhanlaxmi Bank Ltd as on 04 January 2026?
The current stock price of Dhanlaxmi Bank Ltd as on 04 January 2026 is ₹25.0.
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 11.7.
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.