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Dhanlaxmi Bank Limited
(DHANBANK)
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Rating:57Neutral
Price Target:
₹28.00
▲(10.89% Upside)
Action:Reiterated
Date:08/07/26
The score is primarily driven by improving revenue and earnings trends, but is held back by highly volatile operating/free cash flow and some balance-sheet leverage variability. Technically, near-term momentum is weak (below 20/50 DMA with negative MACD), while valuation looks moderately supportive based on the P/E.
Positive Factors
Consistent Revenue Growth
Revenue growth in every annual period from 2022 through 2026 indicates sustained expansion rather than a single-period improvement. A rising top line can support greater operating scale, broaden the customer base, and provide a stronger foundation for future earnings growth.
Negative Factors
Volatile Cash Generation
Repeated negative operating cash flow, followed by a sharp rebound, makes internally generated cash less predictable. This volatility can complicate capital planning and raises questions about the durability of reported earnings and the stability of operating or working-capital flows.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Revenue growth in every annual period from 2022 through 2026 indicates sustained expansion rather than a single-period improvement. A rising top line can support greater operating scale, broaden the customer base, and provide a stronger foundation for future earnings growth.
Read all positive factors
Dhanlaxmi Bank Limited (DHANBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹10.85B
Dividend Yield0.51%
Average Volume (3M)49.88K
Price to Earnings (P/E)9.2
Beta (1Y)1.41
Revenue Growth20.08%
EPS Growth5.61%
CountryIN
Employees1,856
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.93
Shares Outstanding394,698,850
10 Day Avg. Volume44,407
30 Day Avg. Volume49,883
Financial Highlights & Ratios
PEG Ratio0.78
Price to Book (P/B)0.53
Price to Sales (P/S)0.43
P/FCF Ratio1.35
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Dhanlaxmi Bank Limited Business Overview & Revenue Model
Company 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 Busines...
How the Company Makes Money
Dhanlaxmi Bank primarily makes money through a bank-style spread-and-fees model. (1) Net interest income: The bank raises funds mainly via customer deposits and other borrowings, pays interest on those liabilities, and earns interest by deploying ...
Dhanlaxmi Bank Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
43
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.71B | 17.94B | 14.72B | 13.29B | 11.45B | 10.86B |
| Gross Profit | 7.93B | 7.37B | 6.36B | 5.81B | 5.50B | 5.31B |
| EBITDA | 1.76B | 1.68B | 969.51M | 955.49M | 527.21M | 559.21M |
| Net Income | 1.15B | 1.03B | 666.41M | 578.22M | 493.63M | 359.04M |
Balance Sheet | ||||||
| Total Assets | 221.26B | 212.38B | 179.37B | 159.62B | 151.32B | 137.96B |
| Cash, Cash Equivalents and Short-Term Investments | 9.99B | 10.72B | 12.58B | 12.12B | 11.02B | 10.01B |
| Total Debt | 8.59B | 7.37B | 2.00B | 2.99B | 4.92B | 1.50B |
| Total Liabilities | 206.13B | 197.64B | 165.42B | 149.32B | 141.71B | 128.96B |
| Stockholders Equity | 15.13B | 14.74B | 13.95B | 10.30B | 9.61B | 9.00B |
Cash Flow | ||||||
| Free Cash Flow | -9.87B | 5.76B | -17.61B | -1.23B | 1.81B | -2.49B |
| Operating Cash Flow | -9.75B | 6.10B | -17.28B | -807.70M | 2.16B | -2.33B |
| Investing Cash Flow | -4.44B | -33.97B | -323.00M | 1.11B | -1.06B | -158.73M |
| Financing Cash Flow | 12.41B | 27.79B | 18.65B | 9.39B | 9.49B | 6.91B |
Dhanlaxmi Bank Limited Technical Analysis
Negative
25.25
Price Trends
31.76
Negative
32.51
Negative
28.77
Negative
Market Momentum
-1.03
Positive
25.92
Positive
18.00
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:DHANBANK, the sentiment is Negative. The current price of 25.25 is below the 20-day moving average (MA) of 30.00, below the 50-day MA of 31.76, and below the 200-day MA of 28.77, indicating a bearish trend. The MACD of -1.03 indicates Positive momentum. The RSI at 25.92 is Positive, neither overbought nor oversold. The STOCH value of 18.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:DHANBANK.
Dhanlaxmi Bank Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ₹223.62B | 13.06 | ― | 0.87% | 18.39% | 20.21% | |
72 Outperform | ₹314.02B | 11.45 | ― | 0.80% | 15.05% | 36.88% | |
71 Outperform | ₹778.13B | 16.75 | ― | 0.38% | 6.79% | 15.20% | |
69 Neutral | ₹126.28B | 8.22 | ― | 0.95% | 2.83% | 13.45% | |
58 Neutral | ₹53.91B | 7.95 | ― | ― | 21.88% | 10.95% | |
57 Neutral | ₹10.85B | 9.20 | ― | 0.51% | 20.08% | 5.61% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:DHANBANK
Dhanlaxmi Bank Limited
26.87
1.52
6.00%
IN:CSBBANK
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305.00
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IN:CUB
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229.80
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45.23%
IN:FEDERALBNK
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316.55
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63.98%
IN:KARURVYSYA
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325.05
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55.66%
IN:SOUTHBANK
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47.46
18.38
63.18%
Dhanlaxmi Bank Limited Corporate Events
Dhanlaxmi Bank Sets 99th AGM via Video Conferencing, Moves to Fully Digital Shareholder Communication
Aug 20, 2026
Dhanlaxmi Bank has announced that its 99th Annual General Meeting will be held on September 23, 2026, at 11:00 a.m. IST via video conferencing and other audio-visual means, in line with regulatory circulars from the Ministry of Corporate Affairs a...
Dhanlaxmi Bank Board Clears New ESOP 2025 Plan Subject to Shareholder Nod
Aug 19, 2026
Dhanlaxmi Bank’s board has approved the formulation of the “Dhanlaxmi Bank Limited Employee Stock Option Plan – 2025,” based on the recommendation of its Nomination and Remuneration Committee, subject to shareholder approva...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.