💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Dhanlaxmi Bank Limited is an India-based bank engaged in providing a range of banking and financial services. Its segments include Treasury Operations, Corporate / Wholesale Banking, Retail banking, and Other Banking Business Operations. It provides personal banking,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, fairly priced.
Dhanlaxmi Bank is scored on the bank / lender framework. It keeps a slim 5.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 16%/yr and profit at 28%/yr. Book value itself has compounded 15%/yr — the hallmark of a genuine compounder. Return on equity is a modest 9.1%. In the latest quarter profit grew 95% versus the prior quarter.
At 13× earnings, the stock sits at the 53rd percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-2%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 9.23 | 10.03 | better |
| P/B | 0.94 | 1.4 | better |
| ROE | 9.13 | 9.98 | worse |
| ROA | 0.53 | 0.92 | worse |
| NIM | 3.2 | 4.25 | worse |
| Net NPA | 0.51 | 0.79 | better |
| CASA | 28.86 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 16% CAGR over 3 years — steady double-digit compounder. Growth is accelerating — latest year outpaced the prior year's rate.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (28% vs 16%) — margin expansion is at work. The latest year saw a +54% swing — check if it's a one-off or structural.
Operating margin has expanded from 3% to 8% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (28% vs 10%) — share dilution is eroding per-share value. 10% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 6.1× PAT — earnings are well-backed by cash; strong accrual quality. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building.
Profit jumped 95% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (5% → 9%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.