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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,046.35
12.43
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

253.95
N/A
0.83

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-9.32
3.82
32.46

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
12.37
10.52

PAT CAGR (%)

10 Years
5 Years
3 Years

0.73
0.90

P:E (Median)

8 Years
5 Years
3 Years

11.09
12.27
13.02

P:BV (Average)

8 Years
5 Years
3 Years

0.70
0.73
0.90

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.58
3.59
6.47

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Interest Earned 383.61 328.83 16.66% 367.76 305.84 20.25% 350.62 306.23 14.50% 334.59 307.72 8.73%
Interest Exp. 241.65 208.00 16.18% 228.66 205.95 11.03% 216.39 201.37 7.46% 206.25 193.72 6.47%
Net Interest Income 141.96 120.83 17.49% 139.10 99.89 39.25% 134.23 104.86 28.01% 128.34 114.00 12.58%
NIM 0.00 3.25 -100.00% 3.39 2.76 22.83% 3.46 3.22 7.45% 3.40 3.34 1.80%
Other Income 34.55 51.81 -33.31% 39.30 32.10 22.43% 43.09 41.07 4.92% 42.20 35.70 18.21%
Total Income 418.16 380.64 9.86% 407.06 337.94 20.45% 393.71 347.30 13.36% 376.79 343.42 9.72%
Operating Exp. 148.32 139.51 6.31% 145.12 135.28 7.27% 138.64 163.37 -15.14% 143.96 138.54 3.91%
Operating Profit 28.19 33.13 -14.91% 33.28 -3.29 - 38.68 -17.44 - 26.58 11.16 138.17%
Provision 4.99 0.57 775.44% 21.10 4.71 347.98% 11.50 -28.15 - 6.70 8.11 -17.39%
PBT 23.20 32.56 -28.75% 12.18 -8.00 - 27.18 10.71 153.78% 19.88 3.05 551.80%
PBTM 6.05 9.90 -38.89% 3.31 -2.62 - 7.75 3.50 121.43% 5.94 0.99 500.00%
TAX 0.00 6.75 -100.00% 0.00 0.00 0 -1.80 7.40 - 0.03 0.00 0
PAT 23.20 25.81 -10.11% 12.18 -8.00 - 28.98 3.31 775.53% 19.85 3.05 550.82%
PATM 6.05% 7.85% 3.31% -2.62% 8.27% 1.08% 5.93% 0.99%
EPS 0.59 0.83 -28.92% 0.31 -0.26 - 0.73 0.11 563.64% 0.78 0.10 680.00%
Gross NPA 404.34 421.26 -4.02% 401.95 430.16 -6.56% 364.11 421.21 -13.56% 401.11 495.65 -19.07%
Gross NPA% 3.10 3.82 -18.85% 3.22 4.04 -20.30% 2.98 4.05 -26.42% 3.53 4.81 -26.61%
Net NPA 142.85 120.32 18.73% 138.62 130.61 6.13% 117.94 126.47 -6.74% 95.06 126.25 -24.70%
Net NPA% 1.12 1.12 0.00% 1.13 1.26 -10.32% 0.99 1.25 -20.80% 0.86 1.27 -32.28%
CASA 0.00 31.66 -100.00% 28.21 31.19 -9.55% 29.02 30.66 -5.35% 30.54 31.10 -1.80%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 543.63 483.29 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 Interest Earned 1,436.58 1,319.88 1,206.99 1,071.24 916.64 930.75 987.59 971.49 1,013.32 1,089.06 1,204.27 Interest Expended 892.95 836.59 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 Int. income Growth 23.67% 5.42% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% Other Income 159.14 169.21 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 Total Income 1,595.72 652.50 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 Total Expenditure 576.04 560.52 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 Employee Cost - 313.64 331.20 247.25 234.61 225.37 184.62 161.43 163.58 194.90 213.15 % Of Sales - 23.76% 27.44% 23.08% 25.59% 24.21% 18.69% 16.62% 16.14% 17.90% 17.70% Opt. & Establishment Exp. - 269.08 235.63 200.93 182.55 156.00 152.76 154.40 151.97 173.97 192.65 % Of Sales - 20.39% 19.52% 18.76% 19.92% 16.76% 15.47% 15.89% 15.00% 15.97% 16.00% Provisions - 28.46 11.44 73.84 98.39 48.64 96.19 83.26 171.05 81.69 196.67 % Of Sales - 2.16% 0.95% 6.89% 10.73% 5.23% 9.74% 8.57% 16.88% 7.50% 16.33% EBITDA 126.73 91.98 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 EBITDA Margin 59.90% 19.03% 18.08% 14.81% 15.44% 15.93% 21.20% 6.61% -3.30% 9.86% -56.21% Depreciation 0.00 25.33 25.08 21.11 20.02 15.33 13.32 11.26 13.46 20.32 24.90 PBT 82.44 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -196.17 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 -1.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 Tax Rate -2.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% PAT 84.21 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 PAT before Minority Interest 84.21 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 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 11.98% 10.21% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% PAT Growth 248.41% 15.25% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 EPS 2.13 1.69 1.46 1.25 0.91 0.94 1.67 0.30 -0.63 0.31 -5.31

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,395.29 1,029.76 961.15 900.00 864.10 826.91 761.13 749.46 654.48 507.95 Share Capital 394.70 253.01 253.01 253.01 253.01 253.01 253.01 253.01 209.85 177.44 Total Reserves 1,000.59 776.75 708.14 646.99 611.09 573.90 508.12 496.45 444.64 330.51 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 11,353.76 Borrowings 200.00 299.04 492.38 150.00 150.00 177.50 200.40 392.17 145.20 251.85 Other Liabilities & Provisions 328.20 342.78 326.95 342.87 370.50 356.61 234.04 225.16 239.76 349.42 Total Liabilities 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 12,462.98 Net Block 266.42 266.51 250.86 221.00 224.93 178.87 169.39 173.05 183.05 151.93 Gross Block 549.32 537.09 500.04 453.55 445.77 393.71 378.68 375.58 373.09 369.88 Accumulated Depreciation 282.90 270.58 249.18 232.55 220.84 214.83 209.29 202.53 190.04 217.95 Total Non-Current Assets 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 11,756.97 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 15.14 7.82 6.72 0.00 0.00 34.83 32.63 30.71 31.21 26.99 Cash and balance with RBI 992.40 760.03 836.34 708.40 602.12 548.52 557.44 602.85 574.98 579.48 Balance with banks and money at call 87.43 214.59 10.29 27.44 382.85 580.82 65.84 268.76 232.60 253.65 Investments 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 3,792.24 Advances 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 6,952.68 Other Assets 660.91 668.37 687.77 652.88 660.24 743.55 647.60 736.00 670.78 706.01 Total Assets 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 12,462.98 Contingent Liabilities 608.05 665.81 668.18 515.58 861.36 502.80 685.94 772.91 792.47 698.48 Bills for collection 308.09 308.34 300.26 301.69 301.31 310.77 316.33 344.59 257.70 249.45 Adjusted Book Value 31.33 27.90 31.66 30.11 28.67 27.18 24.56 24.08 31.19 28.63

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -4.79 17.29 216.40 138.84 -90.25 553.97 -143.72 -203.03 -99.17 -297.78 PBT 71.62 70.48 31.61 37.09 37.19 65.78 11.67 -24.87 12.38 -196.16 Adjustment 48.18 32.84 174.49 97.12 100.99 96.68 83.36 189.68 103.81 142.00 Adjustments for Liabilities & Assets -133.97 -78.98 10.17 5.61 -227.87 392.43 -219.69 -367.01 -215.14 -243.09 Refund/(Payment) of direct taxes 9.38 -7.05 0.13 -0.99 -0.56 -0.91 -19.06 -0.83 -0.21 -0.53 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 -32.31 110.71 -105.61 -387.97 -26.62 -25.00 -9.81 -2.79 -10.53 -9.21 Net Fixed Assets -19.55 -38.15 -53.21 -7.78 -17.23 -17.23 -5.02 -1.99 -7.43 -7.16 Other Investment Activity -453.75 -650.52 -894.73 -480.17 -470.77 -438.35 -414.10 -416.82 -413.51 -406.62 Cash from Financing Activity 142.29 0.00 0.00 0.00 -27.50 -22.90 -94.80 269.86 84.14 -150.00 Closing Cash & Equivalent 1,079.82 974.62 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 Net Cash Inflow / Outflow 105.20 128.00 110.79 -249.13 -144.37 506.07 -248.33 64.03 -25.55 -456.99 Opening Cash & Equivalents 974.62 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 1,290.12

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 31.33 27.90 25.68 30.11 28.67 27.18 24.56 24.08 31.19 28.63 NIM 2.84 3.05 3.35 2.80 2.70 3.30 3.17 3.05 2.90 2.63 Yield on Advances 11.04 11.95 11.33 11.26 13.71 15.20 15.45 16.58 16.89 17.32 Yield on Investments 6.05 5.54 5.99 6.37 7.11 7.98 6.81 6.95 7.43 8.77 Cost of Liabilities 5.16 5.13 4.30 4.42 5.07 5.54 5.78 5.90 6.62 7.75 Interest Spread 5.88 6.82 7.03 6.84 8.65 9.66 9.66 10.68 10.27 9.57 ROCE 5.87% 5.78% 6.13% 5.37% 5.73% 9.23% 3.95% 0.19% 5.02% -13.39% Cost Income Ratio 85.42 88.66 77.61 74.73 81.01 66.67 76.24 67.39 78.75 99.87 Core Cost Income Ratio 87.19 91.51 72.05 87.84 92.25 70.25 70.24 69.06 85.42 101.18 Operating Costs to Assets 3.11 3.39 2.82 2.88 2.79 2.64 2.58 2.46 2.83 3.06 Loans/Deposits 0.01 0.02 0.04 0.01 0.01 0.02 0.02 0.04 0.01 0.02 Cash/Deposits 0.06 0.05 0.06 0.06 0.05 0.05 0.05 0.06 0.05 0.05 Investment/Deposits 0.25 0.28 0.29 0.33 0.38 0.34 0.38 0.40 0.37 0.33 Inc Loan/Deposits 1.25% 2.09% 3.69% 1.21% 1.28% 1.63% 1.89% 3.59% 1.29% 2.22% Credit Deposits 74.68% 70.69% 70.79% 65.65% 57.95% 59.57% 59.31% 55.96% 57.08% 61.24% Interest Expended / Interest earned 63.38% 62.02% 55.59% 60.47% 64.58% 62.21% 64.30% 65.87% 69.55% 74.70% Interest income / Total funds 7.36% 7.56% 7.08% 6.64% 7.11% 8.05% 8.23% 8.25% 8.83% 9.66% Interest Expended / Total funds 4.66% 4.69% 3.94% 4.02% 4.59% 5.01% 5.29% 5.43% 6.14% 7.22% CASA 29.02% 30.66% 31.90% 34.29% 33.37% 29.80% 32.01% 30.80% 29.44% 25.03%