DHANBANK.NS
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio16.65
Net Profit Margin0.09
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity0.29
Key Ratios

Net Profit Margin: Making moderate profit when compared with its revenue which generally means a slow or stable business or a small company who just started making profit

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.09
Return on Assets0.00
Return on Equity0.06
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.29
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio16.65
Gross Profit Margin0.00
Price to Book Ratio0.93
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Dhanlaxmi Bank Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 159619000000 151321000000 137958000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 39423992000 38886427000 40440582000
Held To Maturity Securities - - -
Available For Sale Securities 258323000 13278000 717143000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 2743353000 2575741000 2210001000
Accumulated Depreciation -2705769000 -2491812000 -2325465000
Gross Ppe 5449122000 5067553000 4535466000
Construction In Progress 78224000 67153000 -
Other Properties 3113763000 2743265000 2538561000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties 2257135000 2257135000 1996905000
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 597363000 514313000 503201000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 12115329000 11019914000 10005682000
Cash Equivalents 1999975000 - -
Cash Financial 1060649000 1051031000 1013603000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt 2990350000 4923785000 1500000000
Total Liabilities Net Minority Interest 149321000000 141710000000 128958000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 2990350000 4923785000 1500000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 436462000 549058000 564048000
Other Payable 173000000 270374000 320987000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 263462000 278684000 243061000
Common Stock Equity 10297622000 9611506000 9000027000
Total Capitalization 13287972000 14535291000 10500027000
Total Equity Gross Minority Interest 10297622000 9611506000 9000027000
Minority Interest - - -
Stockholders Equity 10297622000 9611506000 9000027000
Other Equity Interest - - -
Treasury Stock - - -
Retained Earnings -7612278000 -7887965000 -8257840000
Additional Paid In Capital 10054482000 10054482000 10054482000
Capital Stock 2530121000 2530121000 2530121000
Common Stock 2530121000 2530121000 2530121000

Income statement interpretation for Dhanlaxmi Bank Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 6107588000 5495034000 5312157000
Operating Revenue 6107588000 5495034000 5312157000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 578219000 493625000 359041000
Net Income From Continuing Operation Net Minority Interest 578219000 493625000 359041000
Net Income From Continuing And Discontinued Operation 578219000 493625000 359041000
Net Income Common Stockholders 578219000 493625000 359041000
Net Income Including Noncontrolling Interests 578117000 493637000 359041000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 578117000 493637000 359041000
Normalized Income 576148428 488256700 357531100
Normalized Ebitda - - -
Total Unusual Items 2524000 7669000 2157000
Total Unusual Items Excluding Goodwill 2524000 7669000 2157000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 250769000 211074000 200171000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 5414695000 4277566000 3971328000
Other Operating Expenses 1078834000 875839000 751282000
Depreciation And Amortization In Income Statement 250769000 211074000 200171000
Amortization - - -
Depreciation Income Statement 250769000 211074000 200171000
Selling General And Administration 46305000 49277000 39891000
Selling And Marketing Expense 11489000 9537000 3380000
General And Administrative Expense 34816000 39740000 36511000
Rent And Landing Fees 497097000 468393000 454645000
Tax Provision 126600000 -177500000 11900000
Pretax Income 704717000 316137000 359041000
Other Non Operating Income Expenses - - -
Special Income Charges 2524000 7669000 2157000
Other Special Charges -2524000 -7669000 -2157000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 1.86 1.58 1.15
Basic Eps 1.86 1.58 1.15
Diluted Ni Avail To Com Stockholders 578219000 493625000 359041000
Net Income From Continuing Operations 704777000 316135000 370946000
Minority Interests - - -

Cash flow analysis for Dhanlaxmi Bank Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 172925000 2163956000 1388379000
Changes In Cash 1279978000 1107862000 -2491322000
Taxes Refund Paid -70487000 1260000 -9883000
Change In Working Capital -789812000 101700000 56146000
Change In Other Current Liabilities 110886000 -218757000 -138749000
Change In Other Current Assets 52110000 -201217000 42960000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 207341000 203554000 184155000
Stock Based Compensation - - -
Provision And Write Off Of Assets -259821000 943552000 659291000
Depreciation And Amortization 250769000 211074000 200171000
Amortization Cash Flow - - -
Depreciation 250769000 211074000 200171000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 1107053000 -1056094000 -3879701000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale 1522910000 -712700000 -3720971000
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -415857000 -343394000 -158730000
Sale Of Ppe 3194000 8533000 2811000
Purchase Of Ppe -419051000 -351927000 -161541000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow - - -
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance - - -
Common Stock Payments - - -
Common Stock Issuance - - -
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock - - -
Net Issuance Payments Of Debt - - -
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance - - -
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of DHANBANK.NS (Dhanlaxmi Bank Limited)

Above is the summary for fundamental analysis of Dhanlaxmi Bank Limited , whose ticker name is DHANBANK.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Dhanlaxmi Bank Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 16.65, DHANBANK.NS has a net profit margin of 0.09, the acid test ratio for DHANBANK.NS is 0.00, DHANBANK.NS has an inventory turnover of 0.00, and DHANBANK.NS has debt-to-equity ratio of 0.29.

The DHANBANK.NS whose company name is Dhanlaxmi Bank Limited has made profit/loss of 0 with total revenue of 6107588000, DHANBANK.NS has assets worth of 159619000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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