Dhanlaxmi Bank Ltd

₹ 28.2 -3.68%

28 Sep - close price

About

Incorporated in 1927, Dhanlaxmi Bank Ltd is in the business of providing banking services^[1]

Key Points

Key Ratios Q3 FY26:^[1]^[2]^[3]^[4]
CRAR: 17.19%
NIM: 3.43%
GNPA: 2.36%
NNPA: 1.11%
PCR: 86.08%
Cost of Funds: 5.73%
Yield on Investment: 6.24%

Website BSE NSE

Market Cap ₹ 1,110 Cr.
Current Price ₹ 28.2
High / Low ₹ 36.8 / 19.4
Stock P/E 9.62
Book Value ₹ 38.3
Dividend Yield 0.00 %
ROCE 5.81 %
ROE 7.15 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.74 times its book value
Company has delivered good profit growth of 22.5% CAGR over last 5 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
The company has delivered a poor sales growth of 11.5% over past five years.
Company has a low return on equity of 6.22% over last 3 years.
Contingent liabilities of Rs.932 Cr.
Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE Financial Services

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	289	304	308	306	306	329	335	351	368	384	407	443	449
Interest	171	183	194	201	206	208	206	216	229	242	253	256	272
	141	118	147	135	140	140	151	150	166	153	180	177	177
Financing Profit	-22	3	-33	-30	-40	-19	-22	-16	-27	-11	-25	10	1
Financing Margin %	-8%	1%	-11%	-10%	-13%	-6%	-7%	-5%	-7%	-3%	-6%	2%	0%
	52	24	36	41	32	52	42	43	39	35	49	69	35
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	30	26	3	11	-8	33	20	27	12	23	24	79	36
Tax %	7%	12%	0%	69%	0%	21%	0%	-7%	0%	0%	0%	45%	30%
	28	23	3	3	-8	26	20	29	12	23	24	43	25
EPS in Rs	0.72	0.59	0.08	0.08	-0.20	0.65	0.50	0.73	0.31	0.59	0.61	1.10	0.63
Gross NPA %	5.21%	5.36%	4.81%	4.05%	4.04%	3.82%	3.53%	2.98%	3.22%	3.10%	2.36%	1.89%	1.82%
Net NPA %	1.09%	1.29%	1.27%	1.25%	1.26%	1.12%	0.86%	0.99%	1.13%	1.12%	1.11%	0.51%	0.47%
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,284	1,204	1,089	1,013	971	988	931	917	1,071	1,207	1,320	1,601	1,683
Interest	985	900	757	668	625	614	601	554	595	749	837	979	1,022
	607	566	410	460	377	427	394	474	498	515	556	647	687
Financing Profit	-308	-261	-78	-114	-30	-53	-64	-112	-22	-57	-72	-24	-26
Financing Margin %	-24%	-22%	-7%	-11%	-3%	-5%	-7%	-12%	-2%	-5%	-5%	-2%	-2%
	85	77	111	102	53	113	122	169	75	153	169	192	188
Depreciation	18	25	20	13	11	13	15	20	21	25	25	30	0
Profit before tax	-241	-209	12	-25	12	46	43	37	32	70	72	138	162
Tax %	0%	-0%	0%	0%	0%	-43%	13%	3%	-56%	18%	7%	26%
	-241	-209	12	-25	12	66	37	36	49	58	67	103	115
EPS in Rs	-8.72	-7.57	0.38	-0.63	0.30	1.67	0.94	0.91	1.25	1.46	1.69	2.60	2.93
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	3%
5 Years:	11%
3 Years:	14%
TTM:	22%

Compounded Profit Growth
10 Years:	10%
5 Years:	22%
3 Years:	28%
TTM:	33%

Stock Price CAGR
10 Years:	4%
5 Years:	17%
3 Years:	6%
1 Year:	13%

Return on Equity
10 Years:	5%
5 Years:	6%
3 Years:	6%
Last Year:	7%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	177	177	210	253	253	253	253	253	253	253	395	395
Reserves	546	331	445	496	508	574	611	647	708	777	1,001	1,079
Deposits	12,677	11,499	11,294	10,920	10,603	10,904	11,712	12,403	13,352	14,290	16,013	18,643
Borrowing	646	107	145	392	200	178	150	150	492	299	200	737
	305	349	240	225	234	357	370	343	327	343	328	384
Total Liabilities	14,352	12,463	12,333	12,286	11,799	12,265	13,096	13,796	15,132	15,962	17,937	21,238
	184	152	183	173	169	179	225	221	251	267	266	284
CWIP	19	27	31	31	33	35	0	0	7	8	15	7
Investments	4,497	3,792	4,194	4,365	4,037	3,682	4,439	4,044	3,889	3,942	3,955	4,257
	9,652	8,492	7,925	7,718	7,560	8,369	8,433	9,531	10,986	11,745	13,700	16,690
Total Assets	14,352	12,463	12,333	12,286	11,799	12,265	13,096	13,796	15,132	15,962	17,937	21,238

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-605	-298	-99	-203	-144	554	-90	139	216	17	-5	631
	-10	-9	-11	-3	-10	-25	-27	-388	-106	111	-32	-790
	230	-150	84	270	-95	-23	-28	0	0	0	142	150
Net Cash Flow	-385	-457	-26	64	-248	506	-144	-249	111	128	105	-8
Free Cash Flow	-615	-307	-110	-206	-154	529	-117	123	182	-24	-37	600
CFO/OP	-89%	-47%	-15%	-37%	-21%	99%	-17%	32%	38%	4%	-2%	66%

Ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-33%	-34%	2%	-4%	2%	8%	4%	4%	5%	6%	5%	7%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

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Mar 2025

CASA share of total deposits
%

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			xx.xx	xx.xx	xx.xx				xx.xx

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Gross NPA ratio
%

Number of ATMs
count

Number of Branches
count

Number of Employees
count

Kerala branch share
%

Business per employee
Rs Crore

Gold loan share of gross advances
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	10.76%	11.89%	6.10%	5.93%	4.97%	6.95%	15.26%	15.52%	15.27%	15.32%	15.42%	14.21%
	0.07%	0.07%	0.07%	0.07%	0.07%	0.16%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
	89.16%	88.04%	93.82%	93.99%	94.96%	92.90%	84.69%	84.43%	84.68%	84.63%	84.53%	85.74%
No. of Shareholders	1,18,022	1,25,389	2,12,869	2,00,558	1,85,822	1,84,128	1,84,543	1,81,297	1,79,703	1,75,709	1,72,047	1,63,114

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	16.46%	12.49%	11.41%	11.44%	11.43%	11.50%	10.86%	6.10%	15.26%	15.42%	14.21%
	0.31%	3.89%	2.30%	0.97%	0.35%	0.07%	0.12%	0.07%	0.05%	0.05%	0.05%
	83.23%	83.62%	86.29%	87.59%	88.22%	88.43%	89.01%	93.82%	84.69%	84.53%	85.74%
No. of Shareholders	85,866	80,081	79,277	77,432	88,708	96,864	1,08,521	2,12,869	1,84,543	1,72,047	1,63,114

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Dhanlaxmi Bank Ltd

Dhanlaxmi Bank Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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