Dhanlaxmi Bank Intrinsic Value
Dhanlaxmi Bank (DHANBANK) median intrinsic value is ₹31.20 from 8 valuation models (range ₹14–₹45), vs current price ₹34.42 — -9.4% downside (Trading Near Calculated Value), margin of safety -10.3%. Also explore DHANBANK stock price history to track price trends across different timeframes.
DHANBANK Valuation Methods Summary — DCF, Graham Number & P/E
Dhanlaxmi Bank intrinsic value across 8 models vs current price ₹34.42 — upside/downside and value range per method. Browse Dhanlaxmi Bank financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹31.20 | ₹24.96 - ₹37.44 | -9.4% | EPS: ₹2.60, Sector P/E: 12x |
| Book Value Method | asset | ₹28.25 | ₹25.43 - ₹31.08 | -17.9% | Book Value/Share: ₹35.32, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹40.53 | ₹36.48 - ₹44.58 | +17.8% | Revenue/Share: ₹40.53, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹13.77 | ₹11.02 - ₹16.52 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹33.95 | ₹30.56 - ₹37.35 | -1.4% | EPS Growth: 16.3%, Fair P/E: 13.1x |
| Growth Adjusted P/E | growth | ₹21.86 | ₹19.67 - ₹24.05 | -36.5% | Revenue Growth: 10.2%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹26.08 | ₹23.47 - ₹28.69 | -24.2% | ROE: 7.4%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹45.45 | ₹40.91 - ₹50.00 | +32.0% | EPS: ₹2.60, BVPS: ₹35.32 |
DHANBANK Intrinsic Value vs Market Price — All Valuation Models
Dhanlaxmi Bank fair value range ₹14–₹45 vs current market price ₹34.42 across 8 valuation models. For current market price and key ratios, visit DHANBANK screener.
DHANBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Dhanlaxmi Bank median intrinsic value ₹31.20, current price ₹34.42 — Trading Near Calculated Value by 9.4%, margin of safety -10.3%.
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 ₹31.20 (median value). With the current market price of ₹34.42, this represents a -9.4% variance from our estimated fair value.
The valuation range spans from ₹13.77 to ₹45.45, indicating ₹13.77 - ₹45.45.
Is DHANBANK undervalued or overvalued?
Based on our multi-method analysis, Dhanlaxmi Bank (DHANBANK) appears to be trading near calculated value by approximately 9.4%.
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 | 7.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 58.0% | 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 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 |