Dhanlaxmi Bank

Market Cap (₹ Cr.)

₹1,059

52 Week High

59.00

Book Value

₹

52 Week Low

29.25

PE Ratio

43.53

PB Ratio

1.18

PE for Sector

14.02

PB for Sector

1.50

ROE

5.14 %

ROCE

5.13 %

Dividend Yield

0.00 %

EPS

₹0.85

Industry

Banks

Sector

Banks - Private Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

18.65 %

Net Income Growth

17.00 %

Cash Flow Change

-92.01 %

ROE

9.34 %

ROCE

23.91 %

EBITDA Margin (Avg.)

9.76 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	337	334	317	309	324	301	313	290	296	287	282	270	276	256	227	272	269	257	277	286	281	279	250	289	233	246	267	269	304	237	285	312	312	341	327	343	347	338	381
Expenses	366	121	89	139	231	100	118	108	104	105	108	127	133	143	57	101	87	87	102	111	141	115	80	130	81	101	125	128	141	122	123	141	132	141	118	147	135	140	140
EBITDA	-267	-23	0	-56	-118	6	6	-8	9	8	6	-22	-17	-45	12	17	28	20	22	21	-17	6	14	12	11	7	4	2	25	-26	16	22	20	30	26	3	11	-8	33
Operating Profit %	-16 %	62 %	70 %	53 %	21 %	64 %	57 %	60 %	61 %	59 %	58 %	49 %	46 %	41 %	77 %	59 %	64 %	64 %	60 %	56 %	42 %	51 %	67 %	45 %	62 %	54 %	46 %	45 %	40 %	53 %	53 %	49 %	52 %	51 %	61 %	52 %	56 %	54 %	57 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	238	236	228	225	211	195	189	191	183	174	168	165	161	159	157	154	155	150	153	154	157	158	155	147	142	139	138	139	139	141	146	149	159	171	183	194	201	206	208
Profit Before Tax	-267	-23	0	-56	-118	6	6	-8	9	8	6	-22	-17	-45	12	17	28	20	22	21	-17	6	14	12	11	7	4	2	25	-26	16	22	20	30	26	3	11	-8	33
Tax	0	0	0	0	13	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-20	0	0	0	5	0	0	0	1	0	0	0	-18	2	3	0	7	0	7
Net Profit	-267	-23	0	-56	-132	6	6	-8	9	8	6	-22	-17	-45	12	17	28	20	22	21	3	6	14	12	5	7	4	2	23	-26	16	22	38	28	23	3	3	-8	26
EPS in ₹	-15.03	-1.28	0.03	-3.13	-7.42	0.32	0.29	-0.39	0.42	0.38	0.24	-0.86	-0.68	-1.78	0.48	0.67	1.09	0.78	0.87	0.84	0.10	0.24	0.55	0.47	0.21	0.27	0.14	0.08	0.93	-1.04	0.63	0.86	1.51	1.12	0.92	0.12	0.13	-0.32	1.02

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	14,352	12,463	12,333	12,287	11,799	12,265	13,097	13,796	15,132	15,962
Fixed Assets	184	152	183	173	169	179	225	221	251	267
Current Assets	1,946	1,502	1,441	1,571	1,234	1,816	1,594	1,339	1,465	1,585
Capital Work in Progress	19	27	31	31	33	35	0	0	7	8
Investments	4,497	3,792	4,194	4,365	4,037	3,682	4,439	4,044	3,889	3,942
Other Assets	9,653	8,492	7,925	7,718	7,560	8,369	8,433	9,531	10,986	11,745
Total Liabilities	14,352	12,463	12,333	12,287	11,799	12,265	13,097	13,796	15,132	15,962
Current Liabilities	305	349	240	225	234	357	371	343	327	343
Non Current Liabilities	14,047	12,114	12,093	12,061	11,565	11,909	12,726	13,453	14,805	15,619
Total Equity	724	508	655	750	761	827	864	900	961	1,030
Reserve & Surplus	546	331	445	497	508	574	611	647	708	777
Share Capital	177	177	210	253	253	253	253	253	253	253

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-385	-457	-26	64	-248	506	-144	-249	111	128
Investing Activities	-10	-9	-11	-3	-10	-25	-27	-388	-106	111
Operating Activities	-605	-298	-99	-203	-144	554	-90	139	216	17
Financing Activities	230	-150	84	270	-95	-23	-28	0	0	0

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
FIIs	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	6.10 %	5.93 %	4.97 %
DIIs	0.35 %	0.07 %	0.07 %	0.07 %	0.07 %	0.07 %	0.07 %	0.07 %	0.12 %	0.07 %	0.07 %	0.07 %	0.07 %	0.07 %	0.07 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	57.07 %	57.52 %	67.93 %	58.86 %	59.40 %	59.65 %	48.57 %	51.58 %	51.71 %	51.67 %	51.63 %	58.20 %	67.40 %	65.43 %	55.01 %

Show % Change

Dividend History

No dividends have been distributed by the company in the past 10 years

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
HDFC Bank	1,792.30	13,71,706.50	19.87	4,07,994.80	99.35	65,447	7.60	48.23
ICICI Bank	1,295.15	9,14,001.50	19.34	2,36,037.70	26.78	45,007	22.51	47.20
Kotak Bank	1,752.70	3,47,732.10	18.09	94,273.90	38.35	17,977	13.07	43.86
Axis Bank	1,076.40	3,33,710.40	11.96	1,37,989.40	30.43	26,424	19.36	30.85
IDBI Bank	76.54	81,772.00	12.09	30,370.40	20.68	5,814	34.17	32.86
Indusind Bank	933.95	72,859.20	8.93	55,144.00	23.81	8,977	-39.55	28.83
Yes Bank	19.78	62,066.80	34.74	32,960.90	23.98	1,285	147.86	38.75
Federal Bank	197.82	48,249.30	11.71	26,782.00	32.27	3,928	10.74	35.48
IDFC First Bank	61.88	45,573.00	19.67	36,256.80	33.32	2,942	-71.63	38.52
AU Small Finance Bank	548.90	41,345.50	21.99	1,446.00	19.10	761	42.16	37.31