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.
Management |
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Name | Position Held |
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Mr. J K Shivan | Managing Director & CEO |
Mr. C K Gopinathan | Non Executive Director |
Mr. G Rajagopalan Nair | Independent Director |
Ms. Vardhini Kalyanaraman | Independent Director |
Mr. Sridhar Kalyanasundaram | Independent Director |
Mr. Sreesankar Radhakrishnan | Independent Director |
Mr. K N Madhusoodanan | Independent Director |
Dr. Nirmala Padmanabhan | Independent Director |
Mr. D K Kashyap | Nominee Director |
Mr. Jayakumar Yarasi | Nominee Director |
Dhanlaxmi Bank Ltd. Share Price Update |
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Share Price | Value |
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Today | ₹29.66 |
Previous Day | ₹29.55 |
Basic Stock Data of Dhanlaxmi Bank Ltd
Market Cap | 752 Cr. |
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Current Price | 29.7 |
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High / Low | 34.1/13.5 |
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Stock P/E | 6.81 |
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Book Value | 38.0 |
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Dividend Yield | 0.00 % |
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ROCE | 4.56 % |
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ROE | 5.22 % |
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Face Value | 10.0 |
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Dhanlaxmi Bank Ltd Quarterly Results
Month | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
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Revenue | 244 | 237 | 213 | 218 | 229 | 235 | 235 | 258 | 262 | 276 | 274 | 289 | 304 |
Interest | 155 | 147 | 141 | 139 | 138 | 139 | 138 | 141 | 146 | 149 | 159 | 171 | 183 |
Expenses | 80 | 130 | 81 | 101 | 125 | 128 | 140 | 122 | 123 | 141 | 132 | 141 | 118 |
Financing Profit | 8 | -40 | -10 | -21 | -34 | -32 | -44 | -5 | -7 | -14 | -17 | -22 | 3 |
Financing Margin % | 3% | -17% | -5% | -10% | -15% | -14% | -19% | -2% | -3% | -5% | -6% | -8% | 1% |
Other Income | 6 | 51 | 21 | 28 | 38 | 35 | 69 | -22 | 23 | 36 | 37 | 52 | 24 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit before tax | 14 | 12 | 11 | 7 | 4 | 2 | 25 | -26 | 16 | 22 | 20 | 30 | 26 |
Tax % | 0% | 0% | 51% | 0% | 0% | 0% | 5% | 0% | 0% | 0% | -87% | 7% | 12% |
Net Profit | 14 | 12 | 5 | 7 | 4 | 2 | 23 | -26 | 16 | 22 | 38 | 28 | 23 |
EPS in Rs | 0.55 | 0.47 | 0.21 | 0.27 | 0.14 | 0.08 | 0.93 | -1.04 | 0.63 | 0.86 | 1.51 | 1.12 | 0.92 |
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
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
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Revenue | 1,394 | 1,308 | 1,292 | 1,284 | 1,204 | 1,089 | 1,013 | 971 | 988 | 931 | 917 | 1,071 | 1,143 |
Interest | 1,146 | 1,032 | 1,012 | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 662 |
Expenses | 476 | 383 | 574 | 607 | 566 | 410 | 460 | 377 | 407 | 399 | 476 | 480 | 532 |
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 Income | 144 | 114 | 73 | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 149 |
Depreciation | 29 | 31 | 31 | 18 | 25 | 20 | 13 | 11 | 13 | 15 | 20 | 21 | 0 |
Profit before tax | -115 | -23 | -252 | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 99 |
Tax % | -1% | 111% | -0% | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | |
Net Profit | -116 | 3 | -252 | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 111 |
EPS in Rs | -13.58 | 0.31 | -20.00 | -13.61 | -11.80 | 0.59 | -0.98 | 0.46 | 2.60 | 1.47 | 1.42 | 1.95 | 4.41 |
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
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Compounded Sales Growth |
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10 Years:: | -2% |
5 Years:: | 1% |
3 Years:: | 3% |
TTM:: | 15% |
Dhanlaxmi Bank Ltd Growth
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Compounded Profit Growth |
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10 Years:: | 34% |
5 Years:: | 32% |
3 Years:: | -10% |
TTM:: | 647% |
Dhanlaxmi Bank Ltd Growth
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Stock Price CAGR |
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10 Years:: | -3% |
5 Years:: | 14% |
3 Years:: | 28% |
1 Year:: | 61% |
Dhanlaxmi Bank Ltd Growth
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Return on Equity |
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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
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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Cash from Operating Activity | 29 | -113 | 649 | -605 | -298 | -99 | -203 | -144 | 554 | -90 | 139 | 216 |
Cash from Investing Activity | -43 | -19 | -24 | -10 | -9 | -11 | -3 | -10 | -25 | -27 | -388 | -106 |
Cash from Financing Activity | 4 | 143 | 114 | 230 | -150 | 84 | 270 | -95 | -23 | -28 | 0 | 0 |
Net Cash Flow | -9 | 11 | 738 | -385 | -457 | -26 | 64 | -248 | 506 | -144 | -249 | 111 |
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Dhanlaxmi Bank Ltd Financial Efficiency Indicators
Month | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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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
Month | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
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FIIs | 11.44% | 11.43% | 11.43% | 11.43% | 11.49% | 11.50% | 11.43% | 11.62% | 10.84% | 10.86% | 10.97% | 10.76% |
DIIs | 0.17% | 0.35% | 0.07% | 0.07% | 0.08% | 0.07% | 0.07% | 0.07% | 0.07% | 0.12% | 0.07% | 0.07% |
Public | 88.39% | 88.22% | 88.50% | 88.50% | 88.43% | 88.43% | 88.50% | 88.31% | 89.07% | 89.01% | 88.95% | 89.16% |
No. of Shareholders | 87,182 | 88,708 | 91,625 | 97,024 | 96,056 | 96,864 | 97,202 | 96,452 | 1,09,408 | 1,08,521 | 1,06,415 | 1,18,022 |
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
Month | Mar 23 | Mar 22 | Mar 21 | Mar 20 | Mar 19 |
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Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Basic EPS (Rs.) | 1.95 | 1.42 | 1.47 | 2.60 | 0.46 |
Diluted EPS (Rs.) | 1.95 | 1.42 | 1.47 | 2.60 | 0.46 |
Cash EPS (Rs.) | 2.79 | 2.21 | 2.08 | 3.13 | 0.90 |
Book Value[Excl.RevalReserv]/Share (Rs.) | 31.66 | 30.11 | 28.67 | 27.18 | 24.56 |
Book Value[Incl.RevalReserv]/Share (Rs.) | 37.99 | 35.57 | 34.15 | 32.68 | 30.08 |
Operating Revenue / Share (Rs.) | 42.34 | 36.23 | 36.79 | 39.03 | 38.40 |
Net Profit / Share (Rs.) | 1.95 | 1.42 | 1.47 | 2.60 | 0.46 |
Interest Income / Employee (Rs.) | 6062462.37 | 5316922.85 | 5620451.09 | 5761900.23 | 5479348.56 |
Net Profit / Employee (Rs.) | 279357.67 | 208260.44 | 224565.82 | 383771.88 | 65815.00 |
Business / Employee (Rs.) | 129050203.17 | 119169799.88 | 111710763.89 | 101517901.40 | 95276945.85 |
Interest Income / Branch (Rs.) | 42341387.35 | 36812751.00 | 37989661.22 | 39983388.66 | 38859540.00 |
Net Profit / Branches (Rs.) | 1951086.96 | 1441931.73 | 1517881.63 | 2663097.17 | 466760.00 |
Business / Branches (Rs.) | 901311102.77 | 825095321.29 | 755073571.43 | 704460255.06 | 675704100.00 |
Net Profit Margin (%) | 4.60 | 3.91 | 3.99 | 6.66 | 1.20 |
Operating Profit Margin (%) | -2.34 | -14.53 | -11.20 | -4.76 | -4.22 |
Return On Assets (%) | 0.32 | 0.26 | 0.28 | 0.53 | 0.09 |
Return On Equity / Networth (%) | 6.16 | 4.71 | 5.12 | 9.56 | 1.87 |
Net Interest Margin (X) | 3.14 | 2.62 | 2.51 | 3.04 | 2.93 |
Cost To Income (%) | 43.71 | 45.63 | 40.47 | 38.18 | 37.86 |
Interest Income / Total Assets (%) | 7.07 | 6.64 | 7.10 | 8.05 | 8.23 |
Non-Interest Income / Total Assets (%) | 0.49 | 1.22 | 1.08 | 0.92 | 0.44 |
Operating Profit / Total Assets (%) | -0.16 | -0.96 | -0.79 | -0.38 | -0.34 |
Operating Expenses / Total Assets (%) | 2.82 | 2.87 | 2.79 | 2.64 | 2.58 |
Interest Expenses / Total Assets (%) | 3.93 | 4.01 | 4.58 | 5.00 | 5.29 |
Enterprise Value (Rs.Cr.) | 13373.29 | 12187.97 | 11635.00 | 10736.97 | 10685.26 |
EV Per Net Sales (X) | 12.48 | 13.30 | 12.50 | 10.87 | 11.00 |
Price To Book Value (X) | 0.45 | 0.41 | 0.51 | 0.29 | 0.70 |
Price To Sales (X) | 0.34 | 0.34 | 0.40 | 0.20 | 0.45 |
Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
Earnings Yield (X) | 0.13 | 0.11 | 0.09 | 0.32 | 0.02 |
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.