Dhani Services Ltd

About [ edit ]

Dhani Services Ltd is a consumer business that operates through it’s app dhani and provides digital healthcare and digital transactional finance to it’s customers.

  • Market Cap 18,993 Cr.
  • Current Price 329
  • High / Low 396 / 63.5
  • Stock P/E
  • Book Value 99.8
  • Dividend Yield 0.99 %
  • ROCE 7.38 %
  • ROE 0.10 %
  • Face Value 2.00

Pros

  • Company has reduced debt.
  • Company has been maintaining a healthy dividend payout of 1291.25%

Cons

  • Stock is trading at 3.29 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased by -0.36% over last quarter
  • Company has a low return on equity of 7.33% for last 3 years.
  • Earnings include an other income of Rs.55.84 Cr.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
386 349 479 566 600 710 743 860 628 383 363 326
224 130 165 204 255 293 332 501 870 203 197 278
Operating Profit 161 219 314 362 345 417 411 359 -241 180 167 48
OPM % 42% 63% 66% 64% 57% 59% 55% 42% -38% 47% 46% 15%
Other Income 0 1 2 1 1 2 0 1 1 7 36 11
Interest 83 93 126 182 185 225 218 193 170 136 135 119
Depreciation 5 5 6 7 9 24 30 30 32 27 25 25
Profit before tax 73 122 183 174 151 170 163 137 -443 24 43 -85
Tax % 25% 28% 23% 31% 26% 28% 18% 24% 28% 48% 96% 6%
Net Profit 55 88 141 121 110 110 127 101 -334 12 4 -76
EPS in Rs 1.04 1.45 2.33 1.99 1.82 1.79 2.07 1.66 -7.17 0.24 0.07 -1.45
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
405 354 364 195 191 284 398 397 413 980 1,993 2,915 1,700
357 216 246 164 122 119 140 162 201 478 750 1,952 1,547
Operating Profit 49 138 118 31 69 165 258 236 213 502 1,243 963 153
OPM % 12% 39% 32% 16% 36% 58% 65% 59% 51% 51% 62% 33% 9%
Other Income 3 4 -3 2 7 18 10 12 96 15 4 4 56
Interest 47 19 40 28 8 24 61 148 139 224 591 824 560
Depreciation 24 21 18 12 8 5 13 23 24 12 27 116 109
Profit before tax -19 102 57 -7 61 154 194 77 146 281 629 27 -460
Tax % 33% 34% 33% -48% -4% 34% 22% 4% 30% 25% 27% -55%
Net Profit -13 67 38 -10 63 102 151 74 102 210 459 4 -394
EPS in Rs -0.43 2.47 1.38 -0.37 2.31 3.70 4.86 2.12 2.69 3.99 7.59 0.09 -8.31
Dividend Payout % -389% 68% 61% 0% 110% 18% 52% 119% 31% 22% 15% 3,836%
Compounded Sales Growth
10 Years:23%
5 Years:49%
3 Years:92%
TTM:-42%
Compounded Profit Growth
10 Years:-24%
5 Years:-51%
3 Years:-64%
TTM:-188%
Stock Price CAGR
10 Years:35%
5 Years:76%
3 Years:11%
1 Year:56%
Return on Equity
10 Years:11%
5 Years:8%
3 Years:7%
Last Year:0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Sep 2020
55 46 46 46 46 46 52 59 64 93 113 102 113
Reserves 241 186 198 188 171 171 266 273 384 1,806 4,995 3,801 5,148
Borrowings 116 341 198 37 137 368 1,690 2,193 1,519 4,929 8,648 5,388 4,605
360 452 288 243 191 232 416 196 248 930 2,259 2,275 1,162
Total Liabilities 769 1,024 730 514 546 818 2,425 2,720 2,215 7,758 16,015 11,566 11,028
91 72 50 39 32 34 664 660 86 66 118 755 398
CWIP 0 2 0 0 1 0 11 36 8 5 9 6 0
Investments 48 48 48 83 43 32 69 0 163 499 638 634 502
630 903 633 392 470 751 1,680 2,023 1,959 7,188 15,250 10,171 10,128
Total Assets 769 1,024 730 514 546 818 2,425 2,720 2,215 7,758 16,015 11,566 11,028

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
29 12 102 269 -94 376 -268 10 203 -2,912 -7,044 6,040
-8 -16 87 -80 66 166 -330 -77 120 -537 -204 -1,031
-651 70 -253 -186 40 -431 994 196 -247 4,473 7,062 -3,910
Net Cash Flow -630 66 -64 3 13 112 397 129 76 1,024 -185 1,099

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % 4% 25% 21% 7% 22% 38% 19% 10% 12% 11% 12% 7%
Debtor Days 24 105 46 62 115 178 228 292 298 98 50 19
Inventory Turnover 1.07 1.23

Shareholding Pattern

Numbers in percentages

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
35.89 36.75 36.75 36.97 36.98 36.57 36.57 36.57 31.91 30.36 29.09 28.69
18.12 23.37 24.20 26.30 25.83 25.82 25.31 24.11 26.10 25.43 26.29 27.94
0.14 0.05 0.05 0.00 0.03 0.09 0.25 0.03 0.05 0.02 0.71 1.39
45.85 39.82 38.99 36.72 37.16 37.52 37.87 37.76 40.04 42.39 40.87 38.75
0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.53 1.90 1.80 3.04 3.23

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