Dhanlaxmi Bank Limited (532180) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Dhanlaxmi Bank Limited ₹36.95, price ₹26.87, upside +37.5%, quality 29 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹8.75 – ₹45.78 · fair‑value band ₹29.63 – ₹49.39 · the ₹26.87 price screens below the ₹36.95 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Dhanlaxmi Bank Limited provides various banking and financial services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations segments.
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Dhanlaxmi Bank Limited provides various banking and financial services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations segments. The company offers deposit products, such as savings and current accounts, and term deposits; loans, including property, car, commercial, personal, education, and business loans, as well as loans against securities; and foreign exchange services comprising foreign currency cash, cheque deposits, foreign currency demand drafts, remittances, and foreign exchange cards. It also provides export and import services; credit products comprising industrial and trade advance, import export assistance, and agricultural assistance; corporate salary accounts; and cash management services, as well as life, health, and car insurance products. In addition, the company offers non-resident Indians (NRI) banking services, such as non-residential external accounts, non-resident ordinary accounts, recurring and term deposits, foreign currency non-resident fixed deposits, and resident foreign currency accounts, as well as money transfer services and NRI property loans; and micro and agricultural banking, and financial planning services. Further, it provides SME banking services, including working capital facilities, trade facilities, and capacity expansion services; credit, debit, and gift cards; and investment, depository, and online banking services, as well as locker facilities. As of March 31, 2020, it had 247 branches and 254 ATMs across 14 States and 1 Union Territory. The company was founded in 1927 and is headquartered in Thrissur, India.
Stock analysis
Dhanlaxmi Bank Limited (532180) currently trades at ₹26.87, while our model-based Fair Value estimate is ₹36.95, implying the stock looks roughly 27.3% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ₹41.36 per share, and 4 of the 4 models we run sit above the ₹26.87 price.
Bear case: the Multiples group reads lowest at ₹34.24, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹29.63 (bear) to ₹49.39 (bull), the price of ₹26.87 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 29/100 (below-average quality), in the Financial sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Dhanlaxmi Bank Limited reported revenue of ₹4.9B in FY2020 versus ₹1.8B in FY2016, a compound +27.4%/yr. Reported net income was ₹666M in FY2025, compounding +15.7%/yr from FY2021.
Key figures
Market cap ₹3.1B (≈ $32.0M) · P/E ratio 7.0 · P/S ratio 0.84 · EPS (TTM) ₹1.73 · Net margin 12.0% · Return on equity 5.3% · Return on assets (EBIT) −1.2% · Operating margin 12.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 40 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at −3% fair-value upside, at 38%, 532180 screens cheaper than that median.
Fair Value models
Bear ₹29.63Fair Value ₹36.95Bull ₹49.39
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+21.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.0%
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.1%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.8%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2017 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−263% → 3%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Money Center Banks” was too small, so the broader sector is used.)Financials · 3205 stocks
Beats the sector median on 5/12 measures
A mixed picture versus its sector peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside+22.8% · Above median
Profitability
Return on equity (TTM)5.3% · Below median
Return on assets0.4% · Bottom 25%
Net margin (TTM)12.0% · Below median
Operating margin (TTM)12.0% · Below median
Growth and dividend
Revenue growth−8.8% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.14× · Below median
Valuation Multiplesvs Financials median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Dhanlaxmi Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/532180
Frequently asked questions
Is Dhanlaxmi Bank Limited (532180) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹36.95 versus a price of ₹26.87, about +38% upside (undervalued).
What is the fair value of 532180?
Our model-based fair value for Dhanlaxmi Bank Limited is ₹36.95 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹26.87.
What is the quality score of 532180?
Dhanlaxmi Bank Limited has a Quality Score of 29/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Dhanlaxmi Bank Limited (532180)?
Our model-based price target is the fair value of ₹36.95 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario ₹29.63, optimistic scenario ₹49.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Dhanlaxmi Bank Limited stock forecast for 2026?
Our models put fair value at ₹36.95, about +38% upside versus a price of ₹26.87 (undervalued). Cautious scenario ₹29.63, optimistic scenario ₹49.39. The calculation is refreshed regularly with new filings.
What is the revenue of Dhanlaxmi Bank Limited (532180)?
Dhanlaxmi Bank Limited reported trailing-twelve-month revenue of about ₹3.7B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Dhanlaxmi Bank Limited (532180)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Dhanlaxmi Bank Limited it is ₹36.95 per share (as of Sep 24, 2026), against a price of ₹26.87. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Dhanlaxmi Bank Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 532180 trades below its calculated fair value: price ₹26.87, fair value ₹36.95, a gap of about +38% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 532180?
No. The price is what the market pays today (₹26.87); the fair value is what the company's own numbers justify (₹36.95). For Dhanlaxmi Bank Limited the two are ₹10.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Dhanlaxmi Bank Limited worth?
The market values Dhanlaxmi Bank Limited at about ₹3.1B (market capitalisation, as of Sep 24, 2026). Per share that is ₹26.87; our models calculate a fair value of ₹36.95 per share.
What do the bullish and bearish scenarios say about 532180?
Our models span a range for Dhanlaxmi Bank Limited: cautious scenario ₹29.63, base ₹36.95, optimistic ₹49.39 per share (as of Sep 24, 2026, price ₹26.87). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 532180?
Dhanlaxmi Bank Limited trades at a price-to-earnings ratio of 7.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹36.95 is built from several models across several years. Other multiples: P/B 0.2, P/S 0.8.
How solid is the balance sheet of Dhanlaxmi Bank Limited (532180)?
Balance-sheet figures for Dhanlaxmi Bank Limited (as of Sep 24, 2026): return on equity 5.3%, debt of 0.14 per unit of equity. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is 532180 from its 52-week high?
Dhanlaxmi Bank Limited trades at ₹26.87, about 26% below its 52-week high of ₹36.20 and 35% above the low of ₹19.84 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹36.95 is for.
Which stocks are comparable to Dhanlaxmi Bank Limited?
From the same area (Financial) we also value Nirlon Limited, Industrial & Prudential Investment Company, UPSURGE, IndiaNivesh Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Dhanlaxmi Bank Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹26.87, calculated fair value ₹36.95 (+38%), Quality Score 29/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 532180 calculated?
We run Dhanlaxmi Bank Limited through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹36.95, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Dhanlaxmi Bank Limited currently trades 27 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Dhanlaxmi Bank Limited (532180)?
The closing price on Oct 1, 2026 was ₹26.87. Our model-based fair value is ₹36.95, about +38% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Dhanlaxmi Bank Limited right now?
The large discount to fair value meets weak quality (29/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹29.63). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Dhanlaxmi Bank Limited
How large is the market capitalisation of Dhanlaxmi Bank Limited (532180)?
The market capitalisation of Dhanlaxmi Bank Limited is ₹3.1B (≈ $32.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Dhanlaxmi Bank Limited (532180)?
The price-to-sales ratio of Dhanlaxmi Bank Limited is 0.84 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Dhanlaxmi Bank Limited (532180)?
Earnings per share at Dhanlaxmi Bank Limited are ₹1.73 (price ÷ EPS = P/E 7.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Dhanlaxmi Bank Limited (532180)?
The net margin of Dhanlaxmi Bank Limited is 12.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Dhanlaxmi Bank Limited (532180)?
The return on equity (ROE) of Dhanlaxmi Bank Limited is 5.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Dhanlaxmi Bank Limited (532180)?
On an EBIT basis the return on assets of Dhanlaxmi Bank Limited is −1.2% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Dhanlaxmi Bank Limited (532180)?
The operating margin of Dhanlaxmi Bank Limited is 12.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Dhanlaxmi Bank Limited (532180)?
Revenue at Dhanlaxmi Bank Limited is growing −8.8% versus a year earlier (3y avg +10.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Dhanlaxmi Bank Limited (532180)?
Earnings per share at Dhanlaxmi Bank Limited are growing −36.8% versus a year earlier. How much earnings per share grew versus a year earlier.
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