Dhanlaxmi Bank Intrinsic Value
Dhanlaxmi Bank (DHANBANK) median intrinsic value is ₹28.25 from 9 valuation models (range ₹13–₹48), vs current price ₹32.22 — -12.3% downside (Trading Above Median Value), margin of safety -14.1%. 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 ₹32.22 — upside/downside and value range per method. For current market price and key ratios, visit DHANBANK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹34.80 | ₹27.84 - ₹41.76 | +8.0% | EPS: ₹2.90, Sector P/E: 12x |
| Book Value Method | asset | ₹28.25 | ₹25.43 - ₹31.08 | -12.3% | Book Value/Share: ₹35.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹47.37 | ₹42.63 - ₹52.11 | +47.0% | Revenue/Share: ₹47.37, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹20.51 | ₹18.46 - ₹22.56 | -36.3% | EBITDA: ₹162.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹12.89 | ₹10.31 - ₹15.47 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹24.20 | ₹21.78 - ₹26.62 | -24.9% | EPS Growth: 10.4%, Fair P/E: 8.3x |
| Growth Adjusted P/E | growth | ₹24.71 | ₹22.24 - ₹27.18 | -23.3% | Revenue Growth: 13.0%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹29.37 | ₹26.43 - ₹32.31 | -8.8% | ROE: 8.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹48.00 | ₹43.20 - ₹52.80 | +49.0% | EPS: ₹2.90, BVPS: ₹35.32 |
DHANBANK Intrinsic Value vs Market Price — All Valuation Models
Dhanlaxmi Bank fair value range ₹13–₹48 vs current market price ₹32.22 across 9 valuation models. Analyse DHANBANK institutional holdings to track promoter, FII and institutional holdings.
DHANBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Dhanlaxmi Bank median intrinsic value ₹28.25, current price ₹32.22 — Trading Above Median Value by 12.3%, margin of safety -14.1%.
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 ₹28.25 (median value). With the current market price of ₹32.22, this represents a -12.3% variance from our estimated fair value.
The valuation range spans from ₹12.89 to ₹48.00, indicating ₹12.89 - ₹48.00.
Is DHANBANK undervalued or overvalued?
Based on our multi-method analysis, Dhanlaxmi Bank (DHANBANK) appears to be trading above median value by approximately 12.3%.
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 | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.3% | 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 | 0.10x | 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 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 |