Dhanlaxmi Bank Intrinsic Value
Dhanlaxmi Bank intrinsic value. Dhanlaxmi Bank (DHANBANK) median intrinsic value is ₹29.85 from 9 valuation models (range ₹21–₹66), vs current price ₹26.49 — +12.7% upside (Trading Below Median Value), margin of safety 11.3%. Read Dhanlaxmi Bank dividend payments for the complete payout history and dividend yield track record.
DHANBANK Valuation Methods Summary — DCF, Graham Number & P/E
Dhanlaxmi Bank intrinsic value across 9 models vs current price ₹26.49 — upside/downside and value range per method. Compare with Dhanlaxmi Bank value estimation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹34.80 | ₹27.84 - ₹41.76 | +31.4% | EPS: ₹2.90, Sector P/E: 12x |
| Book Value Method | asset | ₹29.85 | ₹26.87 - ₹32.84 | +12.7% | Book Value/Share: ₹37.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹47.37 | ₹42.63 - ₹52.11 | +78.8% | Revenue/Share: ₹47.37, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹20.51 | ₹18.46 - ₹22.56 | -22.6% | EBITDA: ₹162.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹66.22 | ₹52.98 - ₹79.46 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹24.20 | ₹21.78 - ₹26.62 | -8.6% | EPS Growth: 10.4%, Fair P/E: 8.3x |
| Growth Adjusted P/E | growth | ₹24.71 | ₹22.24 - ₹27.18 | -6.7% | Revenue Growth: 13.0%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹29.37 | ₹26.43 - ₹32.31 | +10.9% | ROE: 7.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹49.34 | ₹44.41 - ₹54.27 | +86.3% | EPS: ₹2.90, BVPS: ₹37.32 |
DHANBANK Intrinsic Value vs Market Price — All Valuation Models
Dhanlaxmi Bank fair value range ₹21–₹66 vs current market price ₹26.49 across 9 valuation models. For current market price and key ratios, visit DHANBANK screener.
DHANBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Dhanlaxmi Bank median intrinsic value ₹29.85, current price ₹26.49 — Trading Below Median Value by 12.7%, margin of safety 11.3%.
What is the intrinsic value of DHANBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Dhanlaxmi Bank (DHANBANK) is ₹29.85 (median value). With the current market price of ₹26.49, this represents a +12.7% variance from our estimated fair value.
The valuation range spans from ₹20.51 to ₹66.22, indicating ₹20.51 - ₹66.22.
Is DHANBANK undervalued or overvalued?
Based on our multi-method analysis, Dhanlaxmi Bank (DHANBANK) appears to be trading below median value by approximately 12.7%.
DHANBANK Financial Health — Key Ratios vs Industry Benchmarks
Dhanlaxmi Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 59.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
DHANBANK Cash Flow Quality — Operating & Free Cash Flow
Dhanlaxmi Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹632 Cr | ₹237 Cr | Positive Free Cash Flow | 7/10 |
| March 2025 | ₹-5 Cr | ₹-21 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹17 Cr | ₹17 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹216 Cr | ₹163 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹139 Cr | ₹-55 Cr | Positive Operating Cash Flow | 6/10 |