Dhanlaxmi Bank Ltd
Ticker: DHANBANK
Risky
48/100
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Investing Reference
Price
25.05
Market Cap
988.72
Debt/Equity
0.0000
ROE %
5.808
PB
0.9601
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
9.527
5Y Rev Growth %
6.236
NP Margin %
4.475
NP Margin 5Y Avg %
3.975
Trading Reference
1M Return %
-4.307
6M Return %
-16.249
1Y Return %
-18.146
% Away 52W High
45.788
% Away 52W Low
13.864
Daily Volume
346202
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Dhanlaxmi Bank Ltd is currently trading near a key support level, with recent volume indicating accumulation. If it breaks above the resistance level at INR 30, there is potential for a bullish trend. Conversely, if it falls below the support at INR 25, it could lead to further downside.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
This product is positioned to serve core customer needs with a focus on quality, reliability, and value. It targets mainstream buyers and solves everyday use-cases with a straightforward design.
- Clear value proposition and use-case
- Backed by credible brand and support
- Balanced price–performance fit for its segment
Investment Thesis
Dhanlaxmi Bank presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The bank's focus on technology-driven solutions positions it well for future growth, making it a worthy addition to any portfolio.
- Strong promoter group enhances trust and stability.
- Significant growth potential in digital banking services.
- Attractive valuation metrics compared to industry peers.
- Strategic focus on expanding customer base and service offerings.
- Resilient financial performance amidst market fluctuations.
Opportunity vs Risk
Opportunities
- Strong growth in retail loans
- Improving asset quality
- Expansion into new markets
- Digital banking initiatives
- Rising interest rates benefit margins
Risks ⚠️
- High non-performing assets
- Regulatory challenges
- Intense competition in banking
- Economic slowdown impact
- Dependence on interest income
Peer Perspective
Dhanlaxmi Bank Ltd trades at a discount to peers like ICICI Bank and HDFC Bank, primarily due to lower growth rates. A rerating could occur with improved margin stability and accelerated loan growth.
Future Outlook
Dhanlaxmi Bank Ltd is poised for growth, driven by strategic initiatives and improving market conditions; however, successful execution and stringent cost control will be crucial to achieving sustainable profitability.
AI FAQs for Retail Users
- Q: What does Dhanlaxmi Bank Ltd do?A: Dhanlaxmi Bank Ltd is a private sector bank offering various banking and financial services.
- Q: Is Dhanlaxmi Bank Ltd a safe investment?A: Like all investments, it carries risks. Research and consider your financial goals before investing.
- Q: How has Dhanlaxmi Bank Ltd performed recently?A: Recent performance can be checked through financial news and stock market platforms for updates.
- Q: What factors affect Dhanlaxmi Bank Ltd's stock price?A: Stock price can be influenced by financial results, market conditions, and economic factors.
- Q: How can I invest in Dhanlaxmi Bank Ltd?A: You can invest through a brokerage account or online trading platform that offers Indian stocks.
📊 Stock Investment Checklist (100 Points)
Dhanlaxmi Bank Ltd • Updated: 2025-09-16 20:28:29
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8BusinessHighThe banking sector is evolving with digital transformation, but Dhanlaxmi Bank lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics like P/E and P/B are not favorable compared to peers.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are concerning.
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7GovernanceHighPromoter holding is reasonable, but there are concerns about transparency.
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5DriversGoodLimited growth drivers and significant execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Dhanlaxmi Bank Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100