Dhanlaxmi Bank Intrinsic Value
DHANBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹28.80 | ₹23.04 - ₹34.56 | +22.1% | EPS: ₹2.40, Sector P/E: 12x |
| Book Value Method | asset | ₹28.25 | ₹25.43 - ₹31.08 | +19.8% | Book Value/Share: ₹35.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹42.41 | ₹38.17 - ₹46.65 | +79.8% | Revenue/Share: ₹42.41, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹11.01 | ₹9.91 - ₹12.11 | -53.3% | EBITDA: ₹87.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹9.44 | ₹7.55 - ₹11.33 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹26.92 | ₹24.23 - ₹29.61 | +14.1% | EPS Growth: 14.0%, Fair P/E: 11.2x |
| Growth Adjusted P/E | growth | ₹20.30 | ₹18.27 - ₹22.33 | -13.9% | Revenue Growth: 11.4%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹22.28 | ₹20.05 - ₹24.51 | -5.6% | ROE: 6.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹43.67 | ₹39.30 - ₹48.04 | +85.1% | EPS: ₹2.40, 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 9 different valuation methods, the estimated intrinsic value of Dhanlaxmi Bank (DHANBANK) is ₹26.92 (median value). With the current market price of ₹23.59, this represents a +14.1% variance from our estimated fair value.
The valuation range spans from ₹9.44 to ₹43.67, indicating ₹9.44 - ₹43.67.
Is DHANBANK undervalued or overvalued?
Based on our multi-method analysis, Dhanlaxmi Bank (DHANBANK) appears to be trading below median value by approximately 14.1%.
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 |
| Return on Equity | 6.3% | 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 |