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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

950.83
23.21
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

489.83
N/A
0.90

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

0.67
0.79

P:E (Median)

8 Years
5 Years
3 Years

10.69
11.18
13.31

P:BV (Average)

8 Years
5 Years
3 Years

0.67
0.67
0.79

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.40
2.46
4.33

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 334.59 307.72 8.73% 328.83 303.90 8.20% 305.84 289.14 5.78% 306.23 274.10 11.72%
Interest Exp. 206.25 193.72 6.47% 208.00 182.94 13.70% 205.95 170.51 20.78% 201.37 158.95 26.69%
Net Interest Income 128.34 114.00 12.58% 120.83 120.96 -0.11% 99.89 118.63 -15.80% 104.86 115.15 -8.94%
NIM 3.40 3.34 1.80% 3.25 3.41 -4.69% 2.76 3.40 -18.82% 3.22 3.60 -10.56%
Other Income 42.20 35.70 18.21% 51.81 23.53 120.19% 32.10 52.26 -38.58% 41.07 37.39 9.84%
Total Income 376.79 343.42 9.72% 380.64 327.43 16.25% 337.94 341.40 -1.01% 347.30 311.49 11.50%
Operating Exp. 143.96 138.54 3.91% 139.51 126.89 9.95% 135.28 112.95 19.77% 163.37 113.98 43.33%
Operating Profit 26.58 11.16 138.17% 33.13 17.60 88.24% -3.29 57.94 - -17.44 38.56 -
Provision 6.70 8.11 -17.39% 0.57 -8.82 - 4.71 27.64 -82.96% -28.15 18.14 -
PBT 19.88 3.05 551.80% 32.56 26.42 23.24% -8.00 30.30 - 10.71 20.42 -47.55%
PBTM 5.94 0.99 500.00% 9.90 8.69 13.92% -2.62 10.48 - 3.50 7.45 -53.02%
TAX 0.03 0.00 0 6.75 3.26 107.06% 0.00 2.00 -100.00% 7.40 -17.75 -
PAT 19.85 3.05 550.82% 25.81 23.16 11.44% -8.00 28.30 - 3.31 38.17 -91.33%
PATM 5.93% 0.99% 7.85% 7.62% -2.62% 9.79% 1.08% 13.93%
EPS 0.78 0.10 680.00% 0.83 0.74 12.16% -0.26 0.91 - 0.11 1.22 -90.98%
Gross NPA 401.11 495.65 -19.07% 421.26 552.59 -23.77% 430.16 523.38 -17.81% 421.21 511.14 -17.59%
Gross NPA% 3.53 4.81 -26.61% 3.82 5.36 -28.73% 4.04 5.21 -22.46% 4.05 5.19 -21.97%
Net NPA 95.06 126.25 -24.70% 120.32 127.34 -5.51% 130.61 105.18 24.18% 126.47 109.20 15.82%
Net NPA% 0.86 1.27 -32.28% 1.12 1.29 -13.18% 1.26 1.09 15.60% 1.25 1.16 7.76%
CASA 30.54 31.10 -1.80% 31.66 31.06 1.93% 31.19 31.65 -1.45% 30.66 32.00 -4.19%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 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 453.92 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 298.84 Interest Earned 1,275.49 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 821.57 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 984.75 Int. income Growth -3.16% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% 1.95% Other Income 167.18 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 84.95 Total Income 1,442.67 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 383.79 Total Expenditure 582.12 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 606.92 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 38.98 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 -223.13 EBITDA Margin 54.36% 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 55.15 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 14.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 0.02 Tax Rate 25.71% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% -0.01% PAT 40.97 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 PAT before Minority Interest 40.97 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 6.60% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% -62.92% PAT Growth -55.79% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 0 EPS 1.62 2.29 1.95 1.42 1.47 2.60 0.46 -0.98 0.49 -8.28 -9.54

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%