Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
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X

Dhanlaxmi Bank Ltd.

Small Cap

Evaluated by 1317 users |

BSE

: 532180 |

NSE

: DHANBANK |

Bank - Private

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17
Net Interest Income (Rs. Cr.)105122141265248276280299305332
Y-o-Y Gr. Rt.-16.1%15.6%88.6%-6.6%11.7%1.3%6.7%2%8.8%
Total Income3554886261,0531,5371,4221,3651,3691,2811,200
Y-o-Y Gr. Rt.-37.6%28.3%68.4%46%-7.5%-4%0.2%-6.4%-6.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
8.888.963.633.06-13.580.31-20-13.61-11.80.59
Y-o-Y Gr. Rt.-0.9%-59.5%-15.7%-543.8%NA-6551.6%NANANA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
53.7366.2168.6499.2185.5485.8258.4740.7928.6331.19
Y-o-Y Gr. Rt.-23.2%3.7%44.5%-13.8%0.3%-31.9%-30.2%-29.8%8.9%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.761.190.340.23-0.80.02-1.77-1.66-1.560.1
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.880.880.840.30.663.363.83.292.782.58
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income13.7%6%5.8%8.8%
Total Income14.5%-4.8%-4.2%-6.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-26%NANANA
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
-5.9%-18.3%-18.9%8.9%
 
RATIOS \ YEARSMar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17
Interest Earned / Total Income89.7883.7385.4586.0690.6691.9694.6293.7994.0190.75
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.712.231.811.941.762.091.992.222.632.9
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)17.8119.265.394.06-14.70.36-34.35-33.07-34.012.13
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 29.2424.321.8622.919.3522.4621.9924.3425.0329.44
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Assessment
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
16.45%
83.55%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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