Dhanlaxmi Bank Limited (532180) Fair Value & Analysis
Financial · IN · Market cap ₹3.1B
Fair value as of: Aug 18, 2026
From 4 valuation models · updated yesterday
Share price −4.9% over the past month.
Below-average quality, screening 22% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from ₹29.63 (bear) to ₹49.39 (bull), base ₹39.51. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 29/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 18, 2026.
How to read this chart
60‑month range ₹8.75 – ₹45.78 · fair‑value band ₹29.63 – ₹49.39 · the ₹32.31 price screens below the ₹39.51 fair value. Dashed = 300-day average. As of Aug 18, 2026.
Analysis
Dhanlaxmi Bank Limited (532180) currently trades at ₹32.31, while our model-based Fair Value estimate is ₹39.51, implying the stock looks roughly 22.3% undervalued today. The Quality Score stands at 29/100 (below-average quality), in the Financial sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Dhanlaxmi Bank Limited generated revenue of ₹3.7B at a net margin of 12.0%. Revenue declined 8.8% year over year. It earns a return on equity of 5.3%. The stock trades on a trailing P/E of 7.0 (as of Aug 18, 2026). Fundamentals as of Aug 18, 2026
Our scenario range runs from ₹29.63 (bear case) to ₹49.39 (bull case); at ₹32.31, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% below its 52-week high and 66% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -6% fair-value upside, at 22%, 532180 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (₹41.36) versus Multiples (₹34.24). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 28 · Market factors (momentum, volatility) 61
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2016 – FY2025 · reported fiscal years
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.
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Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Money Center Banks stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| IDBI Bank Limited 500116 | ₹82.87 | ₹89.34 | +8% |
| Yes Bank Limited 532648 | ₹22.70 | ₹14.65 | -35% |
| Punjab National Bank 532461 | ₹117.50 | ₹226.68 | +93% |
| Bank of Maharashtra 532525 | ₹81.09 | ₹85.55 | +6% |
| Sunteck Realty Limited 512179 | ₹299.45 | ₹153.98 | -49% |
| Brigade Enterprises Limited 532929 | ₹593.25 | ₹559.71 | -6% |
| JSW Holdings 532642 | ₹11,811 | ₹1,628 | -86% |
| Nirlon Limited 500307 | ₹638.10 | ₹499.10 | -22% |
| Religare Enterprises Limited 532915 | ₹238.60 | ₹69.27 | -71% |
| Muthoot Capital Services Limited 511766 | ₹257.50 | ₹361.57 | +40% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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