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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,265.01
12.31
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

472.61
N/A
0.97

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

0.76
0.94

P:E (Median)

8 Years
5 Years
3 Years

10.77
12.38
12.29

P:BV (Average)

8 Years
5 Years
3 Years

0.70
0.76
0.94

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.53
3.77
6.84

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 443.05 350.62 26.36% 407.06 334.59 21.66% 383.61 328.83 16.66% 367.76 305.84 20.25%
Interest Exp. 256.00 216.39 18.30% 252.84 206.25 22.59% 241.65 208.00 16.18% 228.66 205.95 11.03%
Net Interest Income 187.05 134.23 39.35% 154.22 128.34 20.17% 141.96 120.83 17.49% 139.10 99.89 39.25%
NIM 0.00 3.46 -100.00% 3.43 3.40 0.88% 3.33 3.25 2.46% 3.39 2.76 22.83%
Other Income 69.29 43.09 60.80% 49.25 42.20 16.71% 34.55 51.81 -33.31% 39.30 32.10 22.43%
Total Income 512.34 393.71 30.13% 456.31 376.79 21.10% 418.16 380.64 9.86% 407.06 337.94 20.45%
Operating Exp. 142.67 138.64 2.91% 162.33 143.96 12.76% 148.32 139.51 6.31% 145.12 135.28 7.27%
Operating Profit 113.67 38.68 193.87% 41.14 26.58 54.78% 28.19 33.13 -14.91% 33.28 -3.29 -
Provision 34.71 11.50 201.83% 17.26 6.70 157.61% 4.99 0.57 775.44% 21.10 4.71 347.98%
PBT 78.96 27.18 190.51% 23.88 19.88 20.12% 23.20 32.56 -28.75% 12.18 -8.00 -
PBTM 17.82 7.75 129.94% 5.87 5.94 -1.18% 6.05 9.90 -38.89% 3.31 -2.62 -
TAX 35.47 -1.80 - 0.00 0.03 -100.00% 0.00 6.75 -100.00% 0.00 0.00 0
PAT 43.49 28.98 50.07% 23.88 19.85 20.30% 23.20 25.81 -10.11% 12.18 -8.00 -
PATM 9.82% 8.27% 5.87% 5.93% 6.05% 7.85% 3.31% -2.62%
EPS 1.10 0.73 50.68% 0.61 0.78 -21.79% 0.59 0.83 -28.92% 0.31 -0.26 -
Gross NPA 286.38 364.11 -21.35% 332.40 401.11 -17.13% 404.34 421.26 -4.02% 401.95 430.16 -6.56%
Gross NPA% 1.89 2.98 -36.58% 2.36 3.53 -33.14% 3.10 3.82 -18.85% 3.22 4.04 -20.30%
Net NPA 75.40 117.94 -36.07% 154.13 95.06 62.14% 142.85 120.32 18.73% 138.62 130.61 6.13%
Net NPA% 0.51 0.99 -48.48% 1.11 0.86 29.07% 1.12 1.12 0.00% 1.13 1.26 -10.32%
CASA 0.00 29.02 -100.00% 28.13 30.54 -7.89% 28.87 31.66 -8.81% 28.21 31.19 -9.55%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 622.33 483.29 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 Interest Earned 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 1,204.27 Interest Expended 979.15 836.59 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 Int. income Growth 28.77% 5.42% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% Other Income 192.39 169.21 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 Total Income 1,793.87 652.50 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 Total Expenditure 598.44 560.52 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 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 216.28 91.98 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 EBITDA Margin 62.63% 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 138.22 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 35.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 Tax Rate 25.66% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% PAT 102.75 66.64 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 PAT before Minority Interest 102.75 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 12.61% 10.21% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% PAT Growth 54.19% 15.25% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 EPS 2.60 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 25.68 24.42 23.25 22.04 19.92 19.53 25.29 23.22

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%