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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,055.03
12.15
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

594.03
N/A
0.75

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-11.64
15.02
-6.59

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-2.55
17.22

PAT CAGR (%)

10 Years
5 Years
3 Years

0.72
0.87

P:E (Median)

8 Years
5 Years
3 Years

11.06
12.21
17.86

P:BV (Average)

8 Years
5 Years
3 Years

0.69
0.72
0.87

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.63
3.47
6.20

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 367.76 305.84 20.25% 350.62 306.23 14.50% 334.59 307.72 8.73% 328.83 303.90 8.20%
Interest Exp. 228.66 205.95 11.03% 216.39 201.37 7.46% 206.25 193.72 6.47% 208.00 182.94 13.70%
Net Interest Income 139.10 99.89 39.25% 134.23 104.86 28.01% 128.34 114.00 12.58% 120.83 120.96 -0.11%
NIM 3.39 2.76 22.83% 3.46 3.22 7.45% 3.40 3.34 1.80% 3.25 3.41 -4.69%
Other Income 39.30 32.10 22.43% 43.09 41.07 4.92% 42.20 35.70 18.21% 51.81 23.53 120.19%
Total Income 407.06 337.94 20.45% 393.71 347.30 13.36% 376.79 343.42 9.72% 380.64 327.43 16.25%
Operating Exp. 145.12 135.28 7.27% 138.64 163.37 -15.14% 143.96 138.54 3.91% 139.51 126.89 9.95%
Operating Profit 33.28 -3.29 - 38.68 -17.44 - 26.58 11.16 138.17% 33.13 17.60 88.24%
Provision 21.10 4.71 347.98% 11.50 -28.15 - 6.70 8.11 -17.39% 0.57 -8.82 -
PBT 12.18 -8.00 - 27.18 10.71 153.78% 19.88 3.05 551.80% 32.56 26.42 23.24%
PBTM 3.31 -2.62 - 7.75 3.50 121.43% 5.94 0.99 500.00% 9.90 8.69 13.92%
TAX 0.00 0.00 0 -1.80 7.40 - 0.03 0.00 0 6.75 3.26 107.06%
PAT 12.18 -8.00 - 28.98 3.31 775.53% 19.85 3.05 550.82% 25.81 23.16 11.44%
PATM 3.31% -2.62% 8.27% 1.08% 5.93% 0.99% 7.85% 7.62%
EPS 0.31 -0.26 - 0.73 0.11 563.64% 0.78 0.10 680.00% 0.83 0.74 12.16%
Gross NPA 401.95 430.16 -6.56% 364.11 421.21 -13.56% 401.11 495.65 -19.07% 421.26 552.59 -23.77%
Gross NPA% 3.22 4.04 -20.30% 2.98 4.05 -26.42% 3.53 4.81 -26.61% 3.82 5.36 -28.73%
Net NPA 138.62 130.61 6.13% 117.94 126.47 -6.74% 95.06 126.25 -24.70% 120.32 127.34 -5.51%
Net NPA% 1.13 1.26 -10.32% 0.99 1.25 -20.80% 0.86 1.27 -32.28% 1.12 1.29 -13.18%
CASA 28.21 31.19 -9.55% 29.02 30.66 -5.35% 30.54 31.10 -1.80% 31.66 31.06 1.93%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 522.50 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 298.84 Interest Earned 1,381.80 1,206.99 1,071.24 916.64 930.75 987.59 971.49 1,013.32 1,089.06 1,204.27 1,283.59 Interest Expended 859.30 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 984.75 Int. income Growth 18.83% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% 1.95% Other Income 176.40 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 84.95 Total Income 1,558.20 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 383.79 Total Expenditure 567.23 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 606.92 Employee Cost - 331.20 247.25 234.61 225.37 184.62 161.43 163.58 194.90 213.15 211.47 % Of Sales - 27.44% 23.08% 25.59% 24.21% 18.69% 16.62% 16.14% 17.90% 17.70% 16.47% Opt. & Establishment Exp. - 235.63 200.93 182.55 156.00 152.76 154.40 151.97 173.97 192.65 165.05 % Of Sales - 19.52% 18.76% 19.92% 16.76% 15.47% 15.89% 15.00% 15.97% 16.00% 12.86% Provisions - 11.44 73.84 98.39 48.64 96.19 83.26 171.05 81.69 196.67 267.04 % Of Sales - 0.95% 6.89% 10.73% 5.23% 9.74% 8.57% 16.88% 7.50% 16.33% 20.80% EBITDA 131.67 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 -223.13 EBITDA Margin 58.95% 18.08% 14.81% 15.44% 15.93% 21.20% 6.61% -3.30% 9.86% -56.21% -74.67% Depreciation 0.00 25.08 21.11 20.02 15.33 13.32 11.26 13.46 20.32 24.90 18.32 PBT 91.80 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -196.17 -241.45 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 4.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 0.02 Tax Rate 5.42% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% -0.01% PAT 86.82 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 PAT before Minority Interest 86.82 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 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 12.42% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% -62.92% PAT Growth 303.44% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 0 EPS 2.20 1.46 1.25 0.91 0.94 1.67 0.30 -0.63 0.31 -5.31 -6.12

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,029.76 961.15 900.00 864.10 826.91 761.13 749.46 654.48 507.95 723.86 Share Capital 253.01 253.01 253.01 253.01 253.01 253.01 253.01 209.85 177.44 177.44 Total Reserves 776.75 708.14 646.99 611.09 573.90 508.12 496.45 444.64 330.51 546.41 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 14,290.31 13,351.65 12,402.89 11,711.90 10,904.07 10,603.32 10,919.66 11,293.68 11,353.76 12,381.68 Borrowings 299.04 492.38 150.00 150.00 177.50 200.40 392.17 145.20 251.85 941.35 Other Liabilities & Provisions 342.78 326.95 342.87 370.50 356.61 234.04 225.16 239.76 349.42 305.02 Total Liabilities 15,961.89 15,132.13 13,795.76 13,096.50 12,265.09 11,798.89 12,286.45 12,333.12 12,462.98 14,351.91 Net Block 266.51 250.86 221.00 224.93 178.87 169.39 173.05 183.05 151.93 184.10 Gross Block 537.09 500.04 453.55 445.77 393.71 378.68 375.58 373.09 369.88 371.01 Accumulated Depreciation 270.58 249.18 232.55 220.84 214.83 209.29 202.53 190.04 217.95 186.91 Total Non-Current Assets 15,293.51 14,444.37 13,142.88 12,436.27 11,521.54 11,151.28 11,550.46 11,662.34 11,756.97 13,659.38 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 7.82 6.72 0.00 0.00 34.83 32.63 30.71 31.21 26.99 18.70 Cash and balance with RBI 760.03 836.34 708.40 602.12 548.52 557.44 602.85 574.98 579.48 669.33 Balance with banks and money at call 214.59 10.29 27.44 382.85 580.82 65.84 268.76 232.60 253.65 620.79 Investments 3,942.40 3,888.64 4,044.06 4,438.97 3,682.40 4,036.70 4,364.60 4,194.15 3,792.24 4,496.65 Advances 10,102.16 9,451.52 8,141.98 6,787.40 6,496.10 6,289.28 6,110.49 6,446.35 6,952.68 7,669.81 Other Assets 668.37 687.77 652.88 660.24 743.55 647.60 736.00 670.78 706.01 692.53 Total Assets 15,961.88 15,132.14 13,795.76 13,096.51 12,265.09 11,798.88 12,286.46 12,333.12 12,462.98 14,351.91 Contingent Liabilities 665.81 668.18 515.58 861.36 502.80 685.94 772.91 792.47 698.48 773.10 Bills for collection 308.34 300.26 301.69 301.31 310.77 316.33 344.59 257.70 249.45 258.46 Adjusted Book Value 34.40 31.66 30.11 28.67 27.18 24.56 24.08 31.19 28.63 40.79

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 17.29 216.40 138.84 -90.25 553.97 -143.72 -203.03 -99.17 -297.78 -605.11 PBT 70.48 31.61 37.09 37.19 65.78 11.67 -24.87 12.38 -196.16 -241.47 Adjustment 32.84 174.49 97.12 100.99 96.68 83.36 189.68 103.81 142.00 288.14 Adjustments for Liabilities & Assets -78.98 10.17 5.61 -227.87 392.43 -219.69 -367.01 -215.14 -243.09 -651.59 Refund/(Payment) of direct taxes -7.05 0.13 -0.99 -0.56 -0.91 -19.06 -0.83 -0.21 -0.53 -0.19 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 110.71 -105.61 -387.97 -26.62 -25.00 -9.81 -2.79 -10.53 -9.21 -9.75 Net Fixed Assets -38.15 -53.21 -7.78 -17.23 -17.23 -5.02 -1.99 -7.43 -7.16 -3.91 Other Investment Activity -650.52 -894.73 -480.17 -470.77 -438.35 -414.10 -416.82 -413.51 -406.62 -414.03 Cash from Financing Activity 0.00 0.00 0.00 -27.50 -22.90 -94.80 269.86 84.14 -150.00 229.64 Closing Cash & Equivalent 974.62 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 1,290.12 Net Cash Inflow / Outflow 128.00 110.79 -249.13 -144.37 506.07 -248.33 64.03 -25.55 -456.99 -385.22 Opening Cash & Equivalents 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 1,290.12 1,675.34

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 27.90 25.68 30.11 28.67 27.18 24.56 24.08 31.19 28.63 40.79 NIM 3.05 3.35 2.80 2.70 3.30 3.17 3.05 2.90 2.63 2.22 Yield on Advances 11.95 11.33 11.26 13.71 15.20 15.45 16.58 16.89 17.32 16.74 Yield on Investments 5.54 5.99 6.37 7.11 7.98 6.81 6.95 7.43 8.77 7.61 Cost of Liabilities 5.13 4.30 4.42 5.07 5.54 5.78 5.90 6.62 7.75 7.39 Interest Spread 6.82 7.03 6.84 8.65 9.66 9.66 10.68 10.27 9.57 9.34 ROCE 5.78% 6.13% 5.37% 5.73% 9.23% 3.95% 0.19% 5.02% -13.39% -8.20% Cost Income Ratio 88.66 77.61 74.73 81.01 66.67 76.24 67.39 78.75 99.87 93.33 Core Cost Income Ratio 91.51 72.05 87.84 92.25 70.25 70.24 69.06 85.42 101.18 96.40 Operating Costs to Assets 3.39 2.82 2.88 2.79 2.64 2.58 2.46 2.83 3.06 2.50 Loans/Deposits 0.02 0.04 0.01 0.01 0.02 0.02 0.04 0.01 0.02 0.08 Cash/Deposits 0.05 0.06 0.06 0.05 0.05 0.05 0.06 0.05 0.05 0.05 Investment/Deposits 0.28 0.29 0.33 0.38 0.34 0.38 0.40 0.37 0.33 0.36 Inc Loan/Deposits 2.09% 3.69% 1.21% 1.28% 1.63% 1.89% 3.59% 1.29% 2.22% 7.60% Credit Deposits 70.69% 70.79% 65.65% 57.95% 59.57% 59.31% 55.96% 57.08% 61.24% 61.94% Interest Expended / Interest earned 62.02% 55.59% 60.47% 64.58% 62.21% 64.30% 65.87% 69.55% 74.70% 76.72% Interest income / Total funds 7.56% 7.08% 6.64% 7.11% 8.05% 8.23% 8.25% 8.83% 9.66% 8.94% Interest Expended / Total funds 4.69% 3.94% 4.02% 4.59% 5.01% 5.29% 5.43% 6.14% 7.22% 6.86% CASA 30.66% 31.90% 34.29% 33.37% 29.80% 32.01% 30.80% 29.44% 25.03% 24.34%