Dhanlaxmi Bank Financials

NSE: DHANBANK | BSE: 532180

₹31.82

₹0.60 (1.92%)

As on 04-Nov-2026IST

Market cap

₹1,257 Cr

Revenue (TTM)

₹1,771 Cr

P/E Ratio

8.9

P/B Ratio

0.9

Div. Yield

0 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Interest Earned	1,770.62	1,601.48	1,319.88	1,206.99	1,071.24	916.64
Other Income	200.88	192.39	169.21	152.56	74.52	169.12
Total Income	1,971.50	1,793.87	1,489.08	1,359.55	1,145.75	1,085.76
Interest Expended	1,063.98	979.15	836.59	748.54	595.48	554.32
Operating Expenses	631.44	598.44	557.39	541.75	427.07	397.13
Operating Profit before Prov. & Cont.	276.08	216.28	95.10	69.26	123.20	134.30
Provisions and Contingencies	73.57	113.53	28.46	11.44	73.84	98.39
Profit Before Tax	202.51	102.75	66.64	57.82	49.36	35.90
Taxes	61.68	--	--	--	--	--
Profit after Tax	140.83	102.75	66.64	57.82	49.36	35.90
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	140.83	102.75	66.64	57.82	49.36	35.90

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	1,543.33	1,473.92	1,395.29	1,029.76	961.15	900.00
Minority Interest	--	--	--	--	--	--
Deposits	20,551.48	18,642.88	16,013.45	14,290.31	13,351.65	12,402.89
Borrowings	301.13	736.63	200.00	299.04	492.38	150.00
Other Liabilities & Provisions	382.76	384.23	328.20	342.78	326.95	342.87
Total Liabilities	22,778.70	21,237.66	17,936.94	15,961.89	15,132.13	13,795.76

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash and Balance with Reserve Bank of India	941.40	947.96	992.40	760.03	836.34	708.40
Balances with Banks and Money at Call	154.27	123.84	87.43	214.59	10.29	27.44
Investments	4,856.57	4,257.44	3,955.15	3,942.40	3,888.64	4,044.06
Advances	15,738.28	14,918.06	11,959.49	10,102.16	9,451.52	8,141.98
Net Block	370.30	290.04	281.56	274.34	257.57	221.00
Other Assets	717.88	700.31	660.91	668.37	687.77	652.88
Miscellaneous Exp. Not Written Off	--	--	--	--	--	--
Total Assets	22,778.70	21,237.66	17,936.94	15,961.89	15,132.13	13,795.76

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	631.49	-4.79	17.29	216.40	138.84
Cash Flow from Investing Activities	--	-789.51	-32.31	110.71	-105.61	-387.97
Cash from Financing Activities	--	150.00	142.29	--	--	--
Net Cash Inflow / Outflow	--	-8.02	105.20	128.00	110.79	-249.13

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	3.57	2.60	1.69	1.85	1.58	1.15
Cash EPS (₹)	3.57	3.36	2.33	2.66	2.26	1.79
Adjusted Book Value (₹)	34.93	33.17	31.33	27.90	25.68	24.42
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	--	16.00	-0.12	0.68	8.55	5.49
Free Cash Flow per Share (₹)	--	12.18	-1.88	-1.50	1.80	1.79

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Yield on Advances	--	10.74	11.04	11.95	11.33	11.26
Yield on Investments	--	6.75	6.05	5.54	5.99	6.37
Interest Spread	--	5.68	5.88	6.82	7.03	6.84
NIM (%)	3.61	3.07	2.84	3.05	3.35	2.80
ROE (%)	9.33	8.07	6.33	6.92	6.32	4.83
ROA (%)	0.67	0.52	0.39	0.37	0.34	0.27
Cost to Income Ratio	--	73.45	85.42	88.66	77.61	74.73

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	23.25	21.34	9.35	12.67	16.87	-1.52
EBIT Growth (%)	332.03	127.41	37.31	-43.78	-8.26	56.47
Net Profit Growth (%)	29.99	54.18	15.25	17.14	37.48	-3.45
EPS Growth (%)	47.73	54.18	-8.90	17.14	37.48	-3.45
Book Value Growth (%)	8.88	5.86	42.08	8.66	5.13	5.03

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	8.92	7.62	17.57	14.64	7.41	8.73
Price / Book Value	0.91	0.60	0.95	1.20	0.46	0.41
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	3.79	7.03	14.41	19.39	6.96	3.45
Close Price (₹)	27.52	19.64	29.75	33.48	11.73	10.06
High Price (₹)	36.85	33.50	40.55	47.88	21.45	16.39
Low Price (₹)	19.45	19.45	22.00	11.04	8.52	9.45
Market Cap (₹ Cr)	1,256.72	783.13	1,170.73	1,043.68	365.61	313.49

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)