Dhanlaxmi Bank Intrinsic Value
DHANBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹30.00 | ₹24.00 - ₹36.00 | +18.9% | EPS: ₹2.50, Sector P/E: 12x |
| Book Value Method | asset | ₹28.25 | ₹25.43 - ₹31.08 | +12.0% | Book Value/Share: ₹35.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹40.41 | ₹36.37 - ₹44.45 | +60.2% | Revenue/Share: ₹40.41, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹10.09 | ₹8.07 - ₹12.11 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹30.38 | ₹27.34 - ₹33.42 | +20.4% | EPS Growth: 15.2%, Fair P/E: 12.2x |
| Growth Adjusted P/E | growth | ₹21.01 | ₹18.91 - ₹23.11 | -16.7% | Revenue Growth: 10.1%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹21.27 | ₹19.14 - ₹23.40 | -15.7% | ROE: 6.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹44.57 | ₹40.11 - ₹49.03 | +76.7% | EPS: ₹2.50, BVPS: ₹35.32 |
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Valuation Comparison Chart
DHANBANK Intrinsic Value Analysis
What is the intrinsic value of DHANBANK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Dhanlaxmi Bank (DHANBANK) is ₹30.00 (median value). With the current market price of ₹25.23, this represents a +18.9% variance from our estimated fair value.
The valuation range spans from ₹10.09 to ₹44.57, indicating ₹10.09 - ₹44.57.
Is DHANBANK undervalued or overvalued?
Based on our multi-method analysis, Dhanlaxmi Bank (DHANBANK) appears to be trading below median value by approximately 18.9%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 12.86 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 57.0% | 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 |
Related Pages for Dhanlaxmi Bank
Additional stock information and data for DHANBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-90 Cr | ₹-104 Cr | Negative Cash Flow | 3/10 |