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Fundamental Analysis of Dhanlaxmi Bank Ltd

About the Company - Dhanlaxmi Bank Ltd

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. 916.64 Cr. and Equity Capital is Rs. 253.01 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorP.B. No. 9, Dhanalakshmi Buildings, Thrisoor Kerala 680001investors@dhanbank.co.in
http://www.dhanbank.com
Management
NamePosition Held
Mr. J K ShivanManaging Director & CEO
Mr. C K GopinathanNon Executive Director
Mr. G Rajagopalan NairIndependent Director
Ms. Vardhini KalyanaramanIndependent Director
Mr. Sridhar KalyanasundaramIndependent Director
Mr. Sreesankar RadhakrishnanIndependent Director
Mr. K N MadhusoodananIndependent Director
Dr. Nirmala PadmanabhanIndependent Director
Mr. D K KashyapNominee Director
Mr. Jayakumar YarasiNominee Director

Dhanlaxmi Bank Ltd. Share Price Update

Share PriceValue
Today₹29.66
Previous Day₹29.55

Basic Stock Data of Dhanlaxmi Bank Ltd

Market Cap 752 Cr.
Current Price 29.7
High / Low34.1/13.5
Stock P/E6.81
Book Value 38.0
Dividend Yield0.00 %
ROCE4.56 %
ROE5.22 %
Face Value 10.0

Dhanlaxmi Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue244237213218229235235258262276274289304
Interest155147141139138139138141146149159171183
Expenses8013081101125128140122123141132141118
Financing Profit8-40-10-21-34-32-44-5-7-14-17-223
Financing Margin %3%-17%-5%-10%-15%-14%-19%-2%-3%-5%-6%-8%1%
Other Income6512128383569-222336375224
Depreciation0000000000000
Profit before tax14121174225-261622203026
Tax %0%0%51%0%0%0%5%0%0%0%-87%7%12%
Net Profit1412574223-261622382823
EPS in Rs0.550.470.210.270.140.080.93-1.040.630.861.511.120.92
Gross NPA %6.36%5.78%9.23%9.27%8.67%7.55%6.32%6.35%6.04%5.83%5.19%5.21%5.36%
Net NPA %1.66%1.11%4.58%4.58%4.92%3.83%2.85%2.69%2.32%1.82%1.16%1.09%1.29%

Dhanlaxmi Bank Ltd Quarterly Chart

Dhanlaxmi Bank Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue1,3941,3081,2921,2841,2041,0891,0139719889319171,0711,143
Interest1,1461,0321,012985900757668625614601554595662
Expenses476383574607566410460377407399476480532
Financing Profit-229-107-294-308-261-78-114-30-34-70-113-4-50
Financing Margin %-16%-8%-23%-24%-22%-7%-11%-3%-3%-7%-12%-0%-4%
Other Income1441147385771111025311312216975149
Depreciation2931311825201311131520210
Profit before tax-115-23-252-241-20912-25126637364999
Tax %-1%111%-0%-0%0%0%0%0%0%0%0%0%
Net Profit-1163-252-241-20912-251266373649111
EPS in Rs-13.580.31-20.00-13.61-11.800.59-0.980.462.601.471.421.954.41
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Dhanlaxmi Bank Ltd Profit & Loss Yearly Chart

Dhanlaxmi Bank Ltd Growth

Compounded Sales Growth
10 Years::-2%
5 Years::1%
3 Years::3%
TTM::15%

Dhanlaxmi Bank Ltd Growth

Compounded Profit Growth
10 Years::34%
5 Years::32%
3 Years::-10%
TTM::647%

Dhanlaxmi Bank Ltd Growth

Stock Price CAGR
10 Years::-3%
5 Years::14%
3 Years::28%
1 Year::61%

Dhanlaxmi Bank Ltd Growth

Return on Equity
10 Years::-7%
5 Years::5%
3 Years::5%
Last Year::5%

No data available for the Balance Sheet data table.

Dhanlaxmi Bank Ltd Reserves and Borrowings Chart

Dhanlaxmi Bank Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 29-113649-605-298-99-203-144554-90139216
Cash from Investing Activity -43-19-24-10-9-11-3-10-25-27-388-106
Cash from Financing Activity 4143114230-15084270-95-23-2800
Net Cash Flow-911738-385-457-2664-248506-144-249111

Dhanlaxmi Bank Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %-15%0%-34%-33%-34%2%-4%2%8%4%4%5%

Dhanlaxmi Bank Ltd Financial Efficiency Indicators Chart

Dhanlaxmi Bank Ltd Share Holding Pattern

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
FIIs11.44%11.43%11.43%11.43%11.49%11.50%11.43%11.62%10.84%10.86%10.97%10.76%
DIIs0.17%0.35%0.07%0.07%0.08%0.07%0.07%0.07%0.07%0.12%0.07%0.07%
Public88.39%88.22%88.50%88.50%88.43%88.43%88.50%88.31%89.07%89.01%88.95%89.16%
No. of Shareholders87,18288,70891,62597,02496,05696,86497,20296,4521,09,4081,08,5211,06,4151,18,022

Dhanlaxmi Bank Ltd Shareholding Pattern Chart

No. of Dhanlaxmi Bank Ltd Shareholders

This stock is not held by any mutual fund

Dhanlaxmi Bank Ltd ROCE Trend

Dhanlaxmi Bank Ltd EPS Trend

Dhanlaxmi Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)1.951.421.472.600.46
Diluted EPS (Rs.)1.951.421.472.600.46
Cash EPS (Rs.)2.792.212.083.130.90
Book Value[Excl.RevalReserv]/Share (Rs.)31.6630.1128.6727.1824.56
Book Value[Incl.RevalReserv]/Share (Rs.)37.9935.5734.1532.6830.08
Operating Revenue / Share (Rs.)42.3436.2336.7939.0338.40
Net Profit / Share (Rs.)1.951.421.472.600.46
Interest Income / Employee (Rs.)6062462.375316922.855620451.095761900.235479348.56
Net Profit / Employee (Rs.)279357.67208260.44224565.82383771.8865815.00
Business / Employee (Rs.)129050203.17119169799.88111710763.89101517901.4095276945.85
Interest Income / Branch (Rs.)42341387.3536812751.0037989661.2239983388.6638859540.00
Net Profit / Branches (Rs.)1951086.961441931.731517881.632663097.17466760.00
Business / Branches (Rs.)901311102.77825095321.29755073571.43704460255.06675704100.00
Net Profit Margin (%)4.603.913.996.661.20
Operating Profit Margin (%)-2.34-14.53-11.20-4.76-4.22
Return On Assets (%)0.320.260.280.530.09
Return On Equity / Networth (%)6.164.715.129.561.87
Net Interest Margin (X)3.142.622.513.042.93
Cost To Income (%)43.7145.6340.4738.1837.86
Interest Income / Total Assets (%)7.076.647.108.058.23
Non-Interest Income / Total Assets (%)0.491.221.080.920.44
Operating Profit / Total Assets (%)-0.16-0.96-0.79-0.38-0.34
Operating Expenses / Total Assets (%)2.822.872.792.642.58
Interest Expenses / Total Assets (%)3.934.014.585.005.29
Enterprise Value (Rs.Cr.)13373.2912187.9711635.0010736.9710685.26
EV Per Net Sales (X)12.4813.3012.5010.8711.00
Price To Book Value (X)0.450.410.510.290.70
Price To Sales (X)0.340.340.400.200.45
Retention Ratios (%)100.00100.00100.00100.00100.00
Earnings Yield (X)0.130.110.090.320.02

Dhanlaxmi Bank Ltd Profitability Ratios (%)

Dhanlaxmi Bank Ltd Liquidity Ratios

Dhanlaxmi Bank Ltd Liquidity Ratios (%)

Dhanlaxmi Bank Ltd Interest Coverage Ratios (%)

Dhanlaxmi Bank Ltd Valuation Ratios

Fair Value of Dhanlaxmi Bank Ltd Stock

Fair Value: ₹13.78

The stock is overvalued by 53.61% compared to the current price ₹29.7

*Investments are subject to market risks

Strength and Weakness of Dhanlaxmi Bank Ltd Stock

Unable to fetch valid data for stock valuation.

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