ScoreWhy is Dhanlaxmi Bank Ltd ?
1
Despite the size of the company, domestic mutual funds hold only 0% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
2
Below par performance in long term as well as near term
- Along with generating -31.36% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Dhanlaxmi Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Dhanlaxmi Bank
-31.39%
-0.68
45.96%
Sensex
4.7%
0.37
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.64%
Net Profit Growth (5y)
13.87%
Advance to Deposit
68.89%
Capital Adequacy Ratio (Tier 1)
12.17%
Gross NPA (latest)
3.10%
Gross NPA (avg)
5.40%
Coverage Ratio (avg)
64.32%
Cost to Income (avg)
82.59%
Net Interest Margin (avg)
3.24%
Operating Profit to Assets (avg)
4.07%
ROA (avg)
0.33%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
0.72
PEG Ratio
0.10
Dividend Yield
NA
ROE (Latest)
5.94%
ROA (Latest)
0.44%
Net NPA to Book Value
10.08
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
PAT(Latest six months)
At Rs 35.38 cr has Grown at 98.65%
NII(Q)
Highest at Rs 141.96 cr
INTEREST EARNED(Q)
Highest at Rs 383.61 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 74.71%
PBT LESS OI(Q)
Highest at Rs -11.35 cr.
-4What is not working for the Company
PAT(Q)
At Rs 23.20 cr has Fallen at -10.1%
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 784.74 cr
NON-OPERATING INCOME(Q)
is 148.92 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Dhanlaxmi Bank
Net Interest Income (Quarterly)
Highest at Rs 141.96 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 383.61 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -11.35 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 74.71%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Dhanlaxmi Bank
Profit After Tax (PAT) - Quarterly
At Rs 23.20 cr has Fallen at -10.1%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 148.92 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 784.74 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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