ScoreWhy is Dhanlaxmi Bank Ltd ?
1
Strong Long Term Fundamental Strength with a 24.97% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 24.97%
3
The company has declared Positive results for the last 7 consecutive quarters
- PAT(Q) At Rs 24.91 cr has Grown at 104.5%
- GROSS NPA(Q) Lowest at 1.82%
- INTEREST EARNED(Q) Highest at Rs 449.36 cr
4
With ROA of 0.5, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.08%, its profits have risen by 33% ; the PEG ratio of the company is 0.3
5
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -1.22% over the previous quarter and collectively hold 14.25% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
6
Market Beating performance in long term as well as near term
- Along with generating 24.08% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Dhanlaxmi Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Dhanlaxmi Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Dhanlaxmi Bank
23.93%
0.61
39.32%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.51%
Net Profit Growth (5y)
24.97%
Advance to Deposit
67.95%
Capital Adequacy Ratio (Tier 1)
12.14%
Gross NPA (latest)
1.82%
Gross NPA (avg)
4.13%
Coverage Ratio (avg)
69.78%
Cost to Income (avg)
79.73%
Net Interest Margin (avg)
3.37%
Operating Profit to Assets (avg)
4.14%
ROA (avg)
0.33%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
0.88
PEG Ratio
0.34
Dividend Yield
NA
ROE (Latest)
7.83%
ROA (Latest)
0.54%
Net NPA to Book Value
4.93
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
PAT(Q)
At Rs 24.91 cr has Grown at 104.5%
GROSS NPA(Q)
Lowest at 1.82%
INTEREST EARNED(Q)
Highest at Rs 449.36 cr
NET NPA(Q)
Lowest at 0.47%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 98.17 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Dhanlaxmi Bank
Profit After Tax (PAT) - Quarterly
At Rs 24.91 cr has Grown at 104.5%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.82% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 449.36 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.47% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Interest Earned - Quarterly
At Rs 449.36 cr has Grown at 22.19%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
CAR - Quarterly
Highest at 19.19%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Dhanlaxmi Bank
Non Operating Income - Quarterly
is 98.17 % 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
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