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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,056.58
43.71
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

595.58
N/A
1.18

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

0.66
0.76

P:E (Median)

8 Years
5 Years
3 Years

10.46
10.82
13.12

P:BV (Average)

8 Years
5 Years
3 Years

0.66
0.66
0.76

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.15
1.87
3.27

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 328.83 303.90 8.20% 305.84 289.14 5.78% 306.23 274.10 11.72% 307.72 276.26 11.39%
Interest Exp. 208.00 182.94 13.70% 205.95 170.51 20.78% 201.37 158.95 26.69% 193.72 149.40 29.67%
Net Interest Income 120.83 120.96 -0.11% 99.89 118.63 -15.80% 104.86 115.15 -8.94% 114.00 126.86 -10.14%
NIM 3.25 3.41 -4.69% 2.76 3.40 -18.82% 3.22 3.60 -10.56% 3.34 3.65 -8.49%
Other Income 51.81 23.53 120.19% 32.10 52.26 -38.58% 41.07 37.39 9.84% 35.70 35.92 -0.61%
Total Income 380.64 327.43 16.25% 337.94 341.40 -1.01% 347.30 311.49 11.50% 343.42 312.18 10.01%
Operating Exp. 139.51 126.89 9.95% 135.28 112.95 19.77% 163.37 113.98 43.33% 127.39 108.47 17.44%
Operating Profit 33.13 17.60 88.24% -3.29 57.94 - -17.44 38.56 - 22.31 54.31 -58.92%
Provision 0.57 -8.82 - 4.71 27.64 -82.96% -28.15 18.14 - 19.26 32.58 -40.88%
PBT 32.56 26.42 23.24% -8.00 30.30 - 10.71 20.42 -47.55% 3.05 21.73 -85.96%
PBTM 9.90 8.69 13.92% -2.62 10.48 - 3.50 7.45 -53.02% 0.99 7.87 -87.42%
TAX 6.75 3.26 107.06% 0.00 2.00 -100.00% 7.40 -17.75 - 0.00 0.00 0
PAT 25.81 23.16 11.44% -8.00 28.30 - 3.31 38.17 -91.33% 3.05 21.73 -85.96%
PATM 7.85% 7.62% -2.62% 9.79% 1.08% 13.93% 0.99% 7.87%
EPS 1.02 0.92 10.87% -0.32 1.12 - 0.13 1.51 -91.39% 0.12 0.86 -86.05%
Gross NPA 421.26 552.59 -23.77% 430.16 523.38 -17.81% 421.21 511.14 -17.59% 495.65 539.11 -8.06%
Gross NPA% 3.82 5.36 -28.73% 4.04 5.21 -22.46% 4.05 5.19 -21.97% 4.81 5.83 -17.50%
Net NPA 120.32 127.34 -5.51% 130.61 105.18 24.18% 126.47 109.20 15.82% 126.25 161.08 -21.62%
Net NPA% 1.12 1.29 -13.18% 1.26 1.09 15.60% 1.25 1.16 7.76% 1.27 1.82 -30.22%
CASA 31.66 31.06 1.93% 31.19 31.65 -1.45% 30.66 32.00 -4.19% 31.10 32.61 -4.63%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 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 439.58 458.45 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 298.84 Interest Earned 1,248.62 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 809.04 748.54 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 984.75 Int. income Growth -8.73% -3.64% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% 1.95% Other Income 160.68 152.56 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 84.95 Total Income 1,409.30 611.01 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 383.79 Total Expenditure 565.55 528.11 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 606.92 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 34.71 82.90 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 -223.13 EBITDA Margin 54.71% 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 38.32 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 14.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 0.02 Tax Rate 36.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% -0.01% PAT 24.17 57.82 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 PAT before Minority Interest 24.17 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 4.03% 9.46% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% -62.92% PAT Growth -78.30% 17.14% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 0 EPS 0.96 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 34.40 31.66 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%

Top Investors:

b ravindran pillai

dr. jineesh nath c.k

kapilkumar wadhawan

yusuufali musliam veettil abdul kader

unico global oppurtunities fund ltd

p raja mohan rao

shital raghu kataria

antara india evergreen fund ltd

mohanachandran nair balakrishna pillai

investor education and protection fund (iepf)

Annual Reports:

News Update:

Dhanlaxmi Bank’s net profit rises 11% to Rs 25.81 crore in Q2FY25
17th Oct 2024, 16:48 PM

Total income of the Bank increased by 16.25% at Rs 380.64 crore for Q2FY25
Read More
Dhanlaxmi Bank - Quarterly Results
17th Oct 2024, 13:21 PM

Read More

Dhanlaxmi Bank Ltd.

Bank - Private

BSE: 532180 | NSE: DHANBANK

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Dhanlaxmi Bank Ltd.

Bank - Private

BSE: 532180 | NSE: DHANBANK

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: