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Dhanlaxmi Bank Limited (DHANBANK.NS)

INR33.89 -0.11 (-0.32%)
IN NSE Financial Services Banks - Regional
Address Punkunnam 680002
Thrissur, KE, IN
CEO Ajith Kumar Kunhi Krishnan
IPO 2004-04-01
ISIN INE680A01011

Explore sections of this company profile

Also trades on Bombay Stock Exchange · DHANBANK.BO (INR) National Stock Exchange of India · DHANBANK.NS (INR)
Description

Dhanlaxmi Bank Limited offers an extensive array of banking and financial services across India. The company operates through distinct divisions, including Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations. It provides diverse deposit products, such as savings, current, and term accounts, alongside a broad portfolio of loan options like property, vehicle, commercial, personal, education, and business loans, as well as facilities for loans against securities. The bank also facilitates foreign exchange services, encompassing foreign currency cash, cheque deposits, demand drafts, and various remittance solutions. Further offerings include export and import services, credit products like industrial and trade advances, import/export assistance, and support for agricultural initiatives. Additionally, it manages corporate salary accounts, offers cash management services, and distributes insurance products covering life, health, and automotive needs. For Non-Resident Indians (NRIs), Dhanlaxmi Bank delivers specialized banking services, which feature Non-Residential External (NRE) and Non-Resident Ordinary (NRO) accounts, recurring and term deposits, Foreign Currency Non-Resident (FCNR) fixed deposits, and Resident Foreign Currency (RFC) accounts, along with money transfer facilities and property loans tailored for NRIs. The institution also engages in micro and agricultural banking and provides financial planning services. Small and Medium Enterprises (SMEs) benefit from a dedicated banking segment offering working capital facilities, trade solutions, and capacity expansion services. Consumer banking is enhanced through credit, debit, and gift cards, while investment, depository, and online banking services provide convenience. Safety deposit locker facilities are also available. As of March 31, 2021, Dhanlaxmi Bank maintained a network of 245 branches and 257 ATMs, distributed across 14 States and 1 Union Territory. The bank was established in 1927 and is headquartered in Thrissur, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR33.89 -0.11 (-0.32%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.59
Float Shares
290.09M
Free Float %
73.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.48% -7.30% +18.51% +30.66% +17.58% +26.38% +8.36% +129.37% +162.96% +112.81% +60.95%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
33.89
DCF (Unlevered) 15.73 -53.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +21.9% Q1'26: +36.0% (vs Q1'25)
  • EPS growth
    +9.7% Q1'26: +29.4% (vs Q1'25)
  • FCF margin
    Q1'26: -192.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.4% (vs Q1'25)
  • ROIC
    Q1'26: +16.6% (vs Q1'25)
  • Share dilution
    +40.6% Q1'26: +15.9% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.33× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.58) × ERP
WACC = 64% × Ke + 36% × Kd (132.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 16.17 Current price: 33.89
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2012
actual
Mar 2013
actual
Revenue
15.29B
est: 5.60B (+173.0%)
14.18B
est: 3.96B (+258.3%)
EBITDA
-850.02M
est: 325.18M (-361.4%)
77.03M
est: 229.87M (-66.5%)
EBIT
-1.14B
est: 227.18M (-603.9%)
-232.57M
est: 157.43M (-247.7%)
Net Income
-1.16B
est: 883.33M (-230.9%)
26.23M
est: -399.56M (+106.6%)
SGA
124.27M
est: 18.77M (+562.0%)
19.60M
est: 13.01M (+50.7%)
EPS
-13.58
est: 3.14 (-532.3%)
0.31
est: -1.44 (+121.5%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B- 3/5 1/5 2/5 3/5 2/5 3/5 4/5
2026-05-11 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-05-08 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-05-07 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-05-06 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-05-05 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-05-04 B 3/5 1/5 2/5 3/5 2/5 4/5 4/5
2026-04-30 B 3/5 1/5 3/5 3/5 2/5 4/5 4/5
2026-04-29 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-04-28 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-27 B 3/5 3/5 2/5 3/5 2/5 3/5 4/5
2026-04-24 B+ 3/5 3/5 3/5 3/5 2/5 3/5 4/5
2026-04-23 A- 4/5 4/5 3/5 4/5 2/5 3/5 4/5
2026-04-22 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-21 A- 4/5 4/5 3/5 4/5 2/5 3/5 4/5
2026-04-20 A- 4/5 4/5 3/5 4/5 2/5 3/5 4/5
2026-04-17 A- 4/5 4/5 3/5 4/5 2/5 3/5 4/5
2026-04-16 A- 4/5 4/5 3/5 4/5 2/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
337.80M
OE per share TTM
1.08
Owner's Yield
2.54%
Maintenance CapEx ratio
111.35%
Maint CapEx / Avg PPE
19.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
819.8K
Shares Outstanding
394.70M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ajith Kumar K. K. Chief Executive Officer, MD & Director 6M male
John Varughese Head – IT & Digital Banking & GM male
R. Abhilash Deputy GM & Chief Risk Officer male
Rajan Sleeba Deputy GM & Head of Human Resources male
Ranjith Deputy GM & Chief Information Security Officer male
S. Binoy Deputy GM & Head of Business Development (Liabilities) male
Santoy John GM & Chief Compliance Officer male
Sunny George Deputy GM & Head of Operations male
Suresh Kumar V. Assistant GM & Head of Legal male
T. A. Kavitha Deputy GM & Chief Financial Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits