Dhanlaxmi Bank Limited Logo

Dhanlaxmi Bank Limited

DHANBANK.NS

(3.0)
Stock Price

31,52 INR

0.14% ROA

2.1% ROE

41.35x PER

Market Cap.

8.898.432.040,00 INR

14.59% DER

0% Yield

2.2% NPM

Dhanlaxmi Bank Limited Stock Analysis

Dhanlaxmi Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Dhanlaxmi Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.83x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (17%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROE

ROE in an average range (10.07%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.65%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (262) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Dhanlaxmi Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Dhanlaxmi Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Dhanlaxmi Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Dhanlaxmi Bank Limited Revenue
Year Revenue Growth
2005 1.049.034.000
2006 1.264.001.000 17.01%
2007 3.545.174.000 64.35%
2008 4.877.744.000 27.32%
2009 6.255.582.000 22.03%
2010 10.531.874.000 40.6%
2011 3.901.159.000 -169.97%
2012 3.868.129.000 -0.85%
2013 2.604.631.000 -48.51%
2014 4.335.569.000 39.92%
2015 3.700.794.000 -17.15%
2016 4.482.992.000 17.45%
2017 4.127.176.000 -8.62%
2018 3.997.987.000 -3.23%
2019 4.926.009.000 18.84%
2020 4.519.271.000 -9%
2021 5.312.157.000 14.93%
2022 5.502.700.000 3.46%
2023 5.779.600.000 4.79%
2023 13.595.500.000 57.49%
2024 13.517.600.000 -0.58%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Dhanlaxmi Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Dhanlaxmi Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 68.845.000
2006 46.109.000 -49.31%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 413.111.000 100%
2012 18.343.000 -2152.15%
2013 31.852.000 42.41%
2014 38.644.000 17.58%
2015 50.388.000 23.31%
2016 19.918.000 -152.98%
2017 27.514.000 27.61%
2018 29.672.000 7.27%
2019 32.397.000 8.41%
2020 22.249.000 -45.61%
2021 36.511.000 39.06%
2022 39.740.000 8.13%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Dhanlaxmi Bank Limited EBITDA
Year EBITDA Growth
2005 1.435.565.000
2006 1.747.368.000 17.84%
2007 365.280.000 -378.36%
2008 649.981.000 43.8%
2009 336.082.000 -93.4%
2010 479.389.000 29.89%
2011 10.675.396.000 95.51%
2012 10.728.246.000 0.49%
2013 8.936.147.000 -20.05%
2014 7.216.886.000 -23.82%
2015 7.359.229.000 1.93%
2016 7.888.184.000 6.71%
2017 6.561.046.000 -20.23%
2018 116.690.000 -5522.63%
2019 854.785.000 86.35%
2020 426.281.000 -100.52%
2021 370.941.000 -14.92%
2022 671.125.000 44.73%
2023 1.056.800.000 36.49%
2023 250.800.000 -321.37%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Dhanlaxmi Bank Limited Gross Profit
Year Gross Profit Growth
2005 1.049.034.000
2006 1.264.001.000 17.01%
2007 3.545.174.000 64.35%
2008 4.877.744.000 27.32%
2009 6.255.582.000 22.03%
2010 10.531.874.000 40.6%
2011 3.901.159.000 -169.97%
2012 3.907.205.000 0.15%
2013 3.535.494.000 -10.51%
2014 3.837.885.000 7.88%
2015 3.813.494.000 -0.64%
2016 4.425.592.000 13.83%
2017 4.484.276.000 1.31%
2018 3.997.987.000 -12.16%
2019 4.926.009.000 18.84%
2020 4.519.271.000 -9%
2021 5.312.157.000 14.93%
2022 5.502.700.000 3.46%
2023 5.779.600.000 4.79%
2023 13.595.500.000 57.49%
2024 13.517.600.000 -0.58%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Dhanlaxmi Bank Limited Net Profit
Year Net Profit Growth
2005 95.158.000
2006 161.401.000 41.04%
2007 284.636.000 43.3%
2008 574.514.000 50.46%
2009 233.037.000 -146.53%
2010 260.622.000 10.58%
2011 -1.156.269.000 122.54%
2012 26.225.000 4509.03%
2013 -2.519.141.000 101.04%
2014 -2.414.696.000 -4.33%
2015 -2.094.522.000 -15.29%
2016 123.778.000 1792.16%
2017 -248.745.000 149.76%
2018 116.690.000 313.17%
2019 657.785.000 82.26%
2020 371.881.000 -76.88%
2021 359.041.000 -3.58%
2022 493.600.000 27.26%
2023 926.400.000 46.72%
2023 578.200.000 -60.22%
2024 -320.000.000 280.69%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Dhanlaxmi Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 3
2006 5 60%
2007 8 37.5%
2008 9 11.11%
2009 4 -200%
2010 3 0%
2011 -14 123.08%
2012 0 0%
2013 -20 100%
2014 -14 -53.85%
2015 -12 -18.18%
2016 1 0%
2017 -1 0%
2018 0 0%
2019 3 100%
2020 1 -100%
2021 1 0%
2022 2 0%
2023 4 66.67%
2023 2 -50%
2024 -1 300%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Dhanlaxmi Bank Limited Free Cashflow
Year Free Cashflow Growth
2005 -192.021.000
2006 2.866.458.000 106.7%
2007 873.309.000 -228.23%
2008 -1.986.123.000 143.97%
2009 -549.413.000 -261.5%
2010 -2.005.851.000 72.61%
2011 -163.175.000 -1129.26%
2012 -3.129.369.000 94.79%
2013 6.205.917.000 150.43%
2014 -6.162.361.000 200.71%
2015 -3.071.794.000 -100.61%
2016 -1.101.621.000 -178.84%
2017 -2.060.119.000 46.53%
2018 -2.087.618.000 1.32%
2019 5.283.204.000 139.51%
2020 -1.170.381.000 551.41%
2021 -2.494.133.000 53.07%
2022 1.812.100.000 237.64%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Dhanlaxmi Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2005 -180.524.000
2006 2.919.177.000 106.18%
2007 927.569.000 -214.71%
2008 -1.909.638.000 148.57%
2009 -5.536.000 -34394.91%
2010 -1.286.913.000 99.57%
2011 294.405.000 537.12%
2012 -2.887.480.000 110.2%
2013 6.487.019.000 144.51%
2014 -6.051.082.000 207.2%
2015 -2.977.833.000 -103.2%
2016 -991.666.000 -200.29%
2017 -2.030.321.000 51.16%
2018 -1.437.152.000 -41.27%
2019 5.539.679.000 125.94%
2020 -902.521.000 713.8%
2021 -2.332.592.000 61.31%
2022 2.164.000.000 207.79%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Dhanlaxmi Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2005 11.497.000
2006 52.719.000 78.19%
2007 54.260.000 2.84%
2008 76.485.000 29.06%
2009 543.877.000 85.94%
2010 718.938.000 24.35%
2011 457.580.000 -57.12%
2012 241.889.000 -89.17%
2013 281.102.000 13.95%
2014 111.279.000 -152.61%
2015 93.961.000 -18.43%
2016 109.955.000 14.55%
2017 29.798.000 -269%
2018 650.466.000 95.42%
2019 256.475.000 -153.62%
2020 267.860.000 4.25%
2021 161.541.000 -65.82%
2022 351.900.000 54.09%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Dhanlaxmi Bank Limited Equity
Year Equity Growth
2005 1.343.868.000
2006 1.473.648.000 8.81%
2007 1.722.335.000 14.44%
2008 4.244.782.000 59.42%
2009 4.400.771.000 3.54%
2010 8.446.400.000 47.9%
2011 7.282.455.000 -15.98%
2012 7.659.977.000 4.93%
2013 7.363.199.000 -4.03%
2014 7.238.550.000 -1.72%
2015 5.079.546.000 -42.5%
2016 6.544.820.000 22.39%
2017 7.494.630.000 12.67%
2018 7.611.320.000 1.53%
2019 8.269.105.000 7.95%
2020 8.640.985.000 4.3%
2021 9.000.027.000 3.99%
2022 9.611.500.000 6.36%
2023 10.233.900.000 6.08%
2023 10.297.600.000 0.62%
2024 10.281.900.000 -0.15%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Dhanlaxmi Bank Limited Assets
Year Assets Growth
2005 28.487.395.000
2006 34.479.452.000 17.38%
2007 40.329.836.000 14.51%
2008 56.428.241.000 28.53%
2009 80.868.910.000 30.22%
2010 142.681.500.000 43.32%
2011 146.764.863.000 2.78%
2012 138.194.878.000 -6.2%
2013 146.875.889.000 5.91%
2014 143.519.086.000 -2.34%
2015 124.629.826.000 -15.16%
2016 123.331.221.000 -1.05%
2017 122.864.596.000 -0.38%
2018 117.988.890.000 -4.13%
2019 122.650.916.000 3.8%
2020 130.965.067.000 6.35%
2021 137.957.636.000 5.07%
2022 151.321.300.000 8.83%
2023 152.933.000.000 1.05%
2023 159.618.900.000 4.19%
2024 159.201.800.000 -0.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Dhanlaxmi Bank Limited Liabilities
Year Liabilities Growth
2005 27.143.527.000
2006 33.005.804.000 17.76%
2007 38.607.501.000 14.51%
2008 52.183.459.000 26.02%
2009 76.468.139.000 31.76%
2010 134.235.100.000 43.03%
2011 139.482.408.000 3.76%
2012 130.534.901.000 -6.85%
2013 139.512.690.000 6.44%
2014 136.280.536.000 -2.37%
2015 119.550.280.000 -13.99%
2016 116.786.401.000 -2.37%
2017 115.369.966.000 -1.23%
2018 110.377.570.000 -4.52%
2019 114.381.811.000 3.5%
2020 122.324.082.000 6.49%
2021 128.957.609.000 5.14%
2022 141.709.800.000 9%
2023 1.649.900.000 -8488.99%
2023 149.321.300.000 98.9%
2024 148.919.900.000 -0.27%

Dhanlaxmi Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
38.71
Net Income per Share
0.85
Price to Earning Ratio
41.35x
Price To Sales Ratio
0.91x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.87
EV to Sales
0.15
EV Over EBITDA
7.6
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.02
FreeCashFlow Yield
0
Market Cap
8,90 Bil.
Enterprise Value
1,43 Bil.
Graham Number
27.89
Graham NetNet
-624.05

Income Statement Metrics

Net Income per Share
0.85
Income Quality
0
ROE
0.02
Return On Assets
0
Return On Capital Employed
0.04
Net Income per EBT
0.67
EBT Per Ebit
0.05
Ebit per Revenue
0.61
Effective Tax Rate
0.52

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.61
Pretax Profit Margin
0.03
Net Profit Margin
0.02

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.24
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-35,47
Book Value per Share
40,64
Tangible Book Value per Share
40.64
Shareholders Equity per Share
40.64
Interest Debt per Share
36.91
Debt to Equity
0.15
Debt to Assets
0.01
Net Debt to EBITDA
-39.84
Current Ratio
0
Tangible Asset Value
10,28 Bil.
Net Current Asset Value
-139,95 Bil.
Invested Capital
11711300000
Working Capital
8,97 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Dhanlaxmi Bank Limited Dividends
Year Dividends Growth
2004 0
2006 0 0%
2008 1 0%
2009 1 100%
2010 1 0%
2011 1 0%

Dhanlaxmi Bank Limited Profile

About Dhanlaxmi Bank Limited

Dhanlaxmi Bank Limited provides various banking and financial services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations segments. The company offers deposit products, such as savings and current accounts, and term deposits; loans, including property, car, commercial, personal, education, and business loans, as well as loans against securities; and foreign exchange services comprising foreign currency cash, cheque deposits, foreign currency demand drafts, and remittances. It also provides export and import services; credit products comprising industrial and trade advance, import export assistance, and agricultural assistance; corporate salary accounts; and cash management services, as well as life, health, and car insurance products. In addition, the company offers non-resident Indians (NRI) banking services, such as non-residential external accounts, non-resident ordinary accounts, recurring and term deposits, foreign currency non-resident fixed deposits, and resident foreign currency accounts, as well as money transfer services and NRI property loans; and micro and agricultural banking, and financial planning services. Further, it provides SME banking services, including working capital facilities, trade facilities, and capacity expansion services; credit, debit, and gift cards; and investment, depository, and online banking services, as well as locker facilities. As of March 31, 2021, it had 245 branches and 257 ATMs across 14 States and 1 Union Territory. The company was incorporated in 1927 and is based in Thrissur, India.

CEO
Mr. Ajith Kumar K. K.
Employee
1.686
Address
Punkunnam
Thrissur, 680002

Dhanlaxmi Bank Limited Executives & BODs

Dhanlaxmi Bank Limited Executives & BODs
# Name Age
1 Mr. Suresh M. Nair
Chief Credit Officer
70
2 Mr. P. Rajesh
Head of Operations
70
3 Ms. T. A. Kavitha
Chief Financial Officer
70
4 Mr. R. Abhilash
Chief Risk Officer
70
5 Mr. Rajan Sleeba
Head of Human Resources
70
6 Mr. P. Ranjith
Chief Information Security Officer
70
7 Mr. Ajith Kumar K. K.
Chief Executive Officer, MD & Director
70
8 Mr. Santoy John
Chief Compliance Officer
70
9 Mr. V. Satheesan
Head – Legal
70
10 Mr. John Varughese
Head – IT & Digital Banking & GM
70

Dhanlaxmi Bank Limited Competitors

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