Dhanlaxmi Bank Limited
Valuation (99/100) does the heavy lifting; momentum (54/100) is the drag.
Buy zoneStocksWizard rates Dhanlaxmi Bank Limited a Strong Buy, scoring 76/100 on our blended model. On 13.2x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹36.22 and 63% above the low of ₹19.64. Financial health scores 52/100, with a Piotroski F-score of 3/9. It clears 7 of 10 investability checks, with durability 59, valuation 97 and momentum 54 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹51.31. Low-confidence estimate — limited data.
1-year price
EOD · 2026-07-3152-week range
-11.46% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy76Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 7.2%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 34%
- Pass: Earnings growing: 30%
- Pass: Net margin ≥ 10%: 13.9%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Annual financials
Shareholding
- Promoter44.4%
- Institutions6.0%
- Public & other49.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Opportunities
- Earnings growing (30% YoY).
- Revenue growing (34% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Low return on equity (7.2%).
- Weak Piotroski score (3/9).
About Dhanlaxmi Bank Limited
Dhanlaxmi Bank Limited operates as a banking and financial services provider in India through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations segments. The bank offers deposit products including savings accounts, current accounts, and term deposits, alongside various loan products such as personal, home, auto, two-wheeler, commercial, gold, education, business, and green loans, plus loans against securities and properties.
Dhanlaxmi Bank Limited — frequently asked questions
Is Dhanlaxmi Bank Limited a buy, hold or sell?
StocksWizard currently rates Dhanlaxmi Bank Limited (DHANBANK) a Strong Buy, based on a blended score of 76/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Dhanlaxmi Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates Dhanlaxmi Bank Limited's fair value at about ₹64.14, versus a current price of ₹32.07 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Dhanlaxmi Bank Limited financially healthy?
Dhanlaxmi Bank Limited scores 52/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Dhanlaxmi Bank Limited's share price performed?
Dhanlaxmi Bank Limited is up 5% over three months, and last traded at ₹32.07. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.