Dhanlaxmi Bank, 532180, DHANBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,160.81
10.05
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

949.47
N/A
0.86

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-0.95
-7.61
-1.10

EBITDA CAGR (%)

10 Years
5 Years
3 Years

23.57
23.41
21.13

PAT CAGR (%)

10 Years
5 Years
3 Years

0.79
0.98

P:E (Median)

8 Years
5 Years
3 Years

11.12
12.62
12.59

P:BV (Average)

8 Years
5 Years
3 Years

0.72
0.79
0.98

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.65
3.94
7.17

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 449.36 367.76 22.19% 443.05 350.62 26.36% 407.06 334.59 21.66% 383.61 328.83 16.66%
Interest Exp. 271.74 228.66 18.84% 256.00 216.39 18.30% 252.84 206.25 22.59% 241.65 208.00 16.18%
Net Interest Income 177.62 139.10 27.69% 187.05 134.23 39.35% 154.22 128.34 20.17% 141.96 120.83 17.49%
NIM 3.57 3.39 5.31% 3.98 3.46 15.03% 3.43 3.40 0.88% 3.33 3.25 2.46%
Other Income 34.89 39.30 -11.22% 69.29 43.09 60.80% 49.25 42.20 16.71% 34.55 51.81 -33.31%
Total Income 484.25 407.06 18.96% 512.34 393.71 30.13% 456.31 376.79 21.10% 418.16 380.64 9.86%
Operating Exp. 161.06 145.12 10.98% 142.67 138.64 2.91% 162.33 143.96 12.76% 148.32 139.51 6.31%
Operating Profit 51.45 33.28 54.60% 113.67 38.68 193.87% 41.14 26.58 54.78% 28.19 33.13 -14.91%
Provision 15.91 21.10 -24.60% 34.71 11.50 201.83% 17.26 6.70 157.61% 4.99 0.57 775.44%
PBT 35.54 12.18 191.79% 78.96 27.18 190.51% 23.88 19.88 20.12% 23.20 32.56 -28.75%
PBTM 7.91 3.31 138.97% 17.82 7.75 129.94% 5.87 5.94 -1.18% 6.05 9.90 -38.89%
TAX 10.63 0.00 0 35.47 -1.80 - 0.00 0.03 -100.00% 0.00 6.75 -100.00%
PAT 24.91 12.18 104.52% 43.49 28.98 50.07% 23.88 19.85 20.30% 23.20 25.81 -10.11%
PATM 5.54% 3.31% 9.82% 8.27% 5.87% 5.93% 6.05% 7.85%
EPS 0.63 0.31 103.23% 1.10 0.73 50.68% 0.61 0.78 -21.79% 0.59 0.83 -28.92%
Gross NPA 286.57 401.95 -28.71% 286.38 364.11 -21.35% 332.40 401.11 -17.13% 404.34 421.26 -4.02%
Gross NPA% 1.82 3.22 -43.48% 1.89 2.98 -36.58% 2.36 3.53 -33.14% 3.10 3.82 -18.85%
Net NPA 72.61 138.62 -47.62% 75.40 117.94 -36.07% 154.13 95.06 62.14% 142.85 120.32 18.73%
Net NPA% 0.47 1.13 -58.41% 0.51 0.99 -48.48% 1.11 0.86 29.07% 1.12 1.12 0.00%
CASA 28.81 28.21 2.13% 28.86 29.02 -0.55% 28.13 30.54 -7.89% 28.87 31.66 -8.81%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 660.85 622.33 483.29 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 Interest Earned 1,683.08 1,601.48 1,319.88 1,206.99 1,071.24 916.64 930.75 987.59 971.49 1,013.32 1,089.06 Interest Expended 1,022.23 979.15 836.59 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 Int. income Growth 26.48% 28.77% 5.42% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% Other Income 187.98 192.39 169.21 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 Total Income 1,871.06 814.72 652.50 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 Total Expenditure 614.38 682.01 560.52 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 Employee Cost - 326.97 313.64 331.20 247.25 234.61 225.37 184.62 161.43 163.58 194.90 % Of Sales - 20.42% 23.76% 27.44% 23.08% 25.59% 24.21% 18.69% 16.62% 16.14% 17.90% Opt. & Establishment Exp. - 301.45 269.08 235.63 200.93 182.55 156.00 152.76 154.40 151.97 173.97 % Of Sales - 18.82% 20.39% 19.52% 18.76% 19.92% 16.76% 15.47% 15.89% 15.00% 15.97% Provisions - 113.53 28.46 11.44 73.84 98.39 48.64 96.19 83.26 171.05 81.69 % Of Sales - 7.09% 2.16% 0.95% 6.89% 10.73% 5.23% 9.74% 8.57% 16.88% 7.50% EBITDA 234.45 132.71 91.98 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 EBITDA Margin 63.50% 21.32% 19.03% 18.08% 14.81% 15.44% 15.93% 21.20% 6.61% -3.30% 9.86% Depreciation 0.00 29.97 25.33 25.08 21.11 20.02 15.33 13.32 11.26 13.46 20.32 PBT 161.58 102.75 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 46.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Rate 28.53% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 115.48 102.75 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 PAT before Minority Interest 115.48 102.75 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 13.60% 12.61% 10.21% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% PAT Growth 33.01% 54.19% 15.25% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% EPS 2.93 2.60 1.69 1.46 1.25 0.91 0.94 1.67 0.30 -0.63 0.31

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 1,473.92 1,395.29 1,029.76 961.15 900.00 864.10 826.91 761.13 749.46 654.48 Share Capital 394.70 394.70 253.01 253.01 253.01 253.01 253.01 253.01 253.01 209.85 Total Reserves 1,079.22 1,000.59 776.75 708.14 646.99 611.09 573.90 508.12 496.45 444.64 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 18,642.88 16,013.45 14,290.31 13,351.65 12,402.89 11,711.90 10,904.07 10,603.32 10,919.66 11,293.68 Borrowings 736.63 200.00 299.04 492.38 150.00 150.00 177.50 200.40 392.17 145.20 Other Liabilities & Provisions 384.23 328.20 342.78 326.95 342.87 370.50 356.61 234.04 225.16 239.76 Total Liabilities 21,237.66 17,936.94 15,961.89 15,132.13 13,795.76 13,096.50 12,265.09 11,798.89 12,286.45 12,333.12 Net Block 283.50 266.42 266.51 250.86 221.00 224.93 178.87 169.39 173.05 183.05 Gross Block 651.79 549.32 537.09 500.04 453.55 445.77 393.71 378.68 375.58 373.09 Accumulated Depreciation 368.30 282.90 270.58 249.18 232.55 220.84 214.83 209.29 202.53 190.04 Total Non-Current Assets 20,537.34 17,276.03 15,293.51 14,444.37 13,142.88 12,436.27 11,521.54 11,151.28 11,550.46 11,662.34 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 6.54 15.14 7.82 6.72 0.00 0.00 34.83 32.63 30.71 31.21 Cash and balance with RBI 947.96 992.40 760.03 836.34 708.40 602.12 548.52 557.44 602.85 574.98 Balance with banks and money at call 123.84 87.43 214.59 10.29 27.44 382.85 580.82 65.84 268.76 232.60 Investments 4,257.44 3,955.15 3,942.40 3,888.64 4,044.06 4,438.97 3,682.40 4,036.70 4,364.60 4,194.15 Advances 14,918.06 11,959.49 10,102.16 9,451.52 8,141.98 6,787.40 6,496.10 6,289.28 6,110.49 6,446.35 Other Assets 700.31 660.91 668.37 687.77 652.88 660.24 743.55 647.60 736.00 670.78 Total Assets 21,237.65 17,936.94 15,961.88 15,132.14 13,795.76 13,096.51 12,265.09 11,798.88 12,286.46 12,333.12 Contingent Liabilities 609.60 608.05 665.81 668.18 515.58 861.36 502.80 685.94 772.91 792.47 Bills for collection 336.55 308.09 308.34 300.26 301.69 301.31 310.77 316.33 344.59 257.70 Adjusted Book Value 33.17 31.33 27.90 25.68 24.42 23.25 22.04 19.92 19.53 25.29

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 631.49 -4.79 17.29 216.40 138.84 -90.25 553.97 -143.72 -203.03 -99.17 PBT 138.22 71.62 70.48 31.61 37.09 37.19 65.78 11.67 -24.87 12.38 Adjustment 114.03 47.80 32.84 174.49 97.12 100.99 96.68 83.36 189.68 103.81 Adjustments for Liabilities & Assets 381.45 -133.60 -78.98 10.17 5.61 -227.87 392.43 -219.69 -367.01 -215.14 Refund/(Payment) of direct taxes -2.22 9.38 -7.05 0.13 -0.99 -0.56 -0.91 -19.06 -0.83 -0.21 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -789.51 -32.31 110.71 -105.61 -387.97 -26.62 -25.00 -9.81 -2.79 -10.53 Net Fixed Assets -93.87 -19.55 -38.15 -53.21 -7.78 -17.23 -17.23 -5.02 -1.99 -7.43 Other Investment Activity -690.64 -453.75 -650.52 -894.73 -480.17 -470.77 -438.35 -414.10 -416.82 -413.51 Cash from Financing Activity 150.00 142.29 0.00 0.00 0.00 -27.50 -22.90 -94.80 269.86 84.14 Closing Cash & Equivalent 1,071.80 1,079.82 974.62 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 Net Cash Inflow / Outflow -8.02 105.20 128.00 110.79 -249.13 -144.37 506.07 -248.33 64.03 -25.55 Opening Cash & Equivalents 1,079.82 974.62 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 33.17 31.33 27.90 25.68 30.11 28.67 27.18 24.56 24.08 31.19 NIM 3.07 2.84 3.05 3.35 2.80 2.70 3.30 3.17 3.05 2.90 Yield on Advances 10.74 11.04 11.95 11.33 11.26 13.71 15.20 15.45 16.58 16.89 Yield on Investments 6.75 6.05 5.54 5.99 6.37 7.11 7.98 6.81 6.95 7.43 Cost of Liabilities 5.05 5.16 5.13 4.30 4.42 5.07 5.54 5.78 5.90 6.62 Interest Spread 5.68 5.88 6.82 7.03 6.84 8.65 9.66 9.66 10.68 10.27 ROCE 7.23% 5.87% 5.78% 6.13% 5.37% 5.73% 9.23% 3.95% 0.19% 5.02% Cost Income Ratio 73.45 85.42 88.66 77.61 74.73 81.01 66.67 76.24 67.39 78.75 Core Cost Income Ratio 74.24 87.19 91.51 72.05 87.84 92.25 70.25 70.24 69.06 85.42 Operating Costs to Assets 2.82 3.11 3.39 2.82 2.88 2.79 2.64 2.58 2.46 2.83 Loans/Deposits 0.04 0.01 0.02 0.04 0.01 0.01 0.02 0.02 0.04 0.01 Cash/Deposits 0.05 0.06 0.05 0.06 0.06 0.05 0.05 0.05 0.06 0.05 Investment/Deposits 0.23 0.25 0.28 0.29 0.33 0.38 0.34 0.38 0.40 0.37 Inc Loan/Deposits 3.95% 1.25% 2.09% 3.69% 1.21% 1.28% 1.63% 1.89% 3.59% 1.29% Credit Deposits 80.02% 74.68% 70.69% 70.79% 65.65% 57.95% 59.57% 59.31% 55.96% 57.08% Interest Expended / Interest earned 61.14% 63.38% 62.02% 55.59% 60.47% 64.58% 62.21% 64.30% 65.87% 69.55% Interest income / Total funds 7.54% 7.36% 7.56% 7.08% 6.64% 7.11% 8.05% 8.23% 8.25% 8.83% Interest Expended / Total funds 4.61% 4.66% 4.69% 3.94% 4.02% 4.59% 5.01% 5.29% 5.43% 6.14% CASA 28.86% 29.02% 30.66% 31.90% 34.29% 33.37% 29.80% 32.01% 30.80% 29.44%