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Dhanlaxmi BankBOM:532180 +0.83%56 Return-on-Tangible-Equity is 6.67% as of Jun. 2026, which is 38% above its 10-year median of 4.85. GuruFocus rates BOM:532180 with a GF Score™ of 56/100 and a GF Value™ of ₹28.07 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,522 Banks companies, Dhanlaxmi Bank ranks worse than 69.58% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Dhanlaxmi Bank's annualized net income for the quarter that ended in Jun. 2026 was ₹996 Mil. Dhanlaxmi Bank's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹14,936 Mil. Therefore, Dhanlaxmi Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 6.67%.
The historical rank and industry rank for Dhanlaxmi Bank's Return-on-Tangible-Equity or its related term are showing as below:
BOM:532180'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -3.54 Med: 4.85 Max: 8.28
Current: 7.97
During the past 13 years, Dhanlaxmi Bank's highest Return-on-Tangible-Equity was 8.28%. The lowest was -3.54%. And the median was 4.85%.
BOM:532180's Return-on-Tangible-Equity is ranked worse than 69.58% of 1522
companies
in the Banks industry
Industry Median: 11.35
vs BOM:532180: 7.97
Dhanlaxmi Bank (BOM:532180) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Dhanlaxmi Bank Return-on-Tangible-Equity Related Terms
Dhanlaxmi Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Dhanlaxmi Bank's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:532180 vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Dhanlaxmi Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Dhanlaxmi Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Dhanlaxmi Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Dhanlaxmi Bank's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.67% mean?
Dhanlaxmi Bank (BOM:532180) has a Return-on-Tangible-Equity of 6.67% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dhanlaxmi Bank and its competitors. This is 38% above median its historical median of 4.85. According to the industry distribution chart, Dhanlaxmi Bank ranks #1059 out of 1522 companies in the Banks industry, placing it in the top 69.6%.
Is Dhanlaxmi Bank's Return-on-Tangible-Equity too high?
Dhanlaxmi Bank's current Return-on-Tangible-Equity of 6.67% is 38% above median its 10-year median of 4.85. The Banks industry median Return-on-Tangible-Equity is 11.35. Dhanlaxmi Bank's value of 6.67% is 41.2% below this industry median. Based on the distribution chart, Dhanlaxmi Bank ranks #1059 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Dhanlaxmi Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhanlaxmi Bank's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Dhanlaxmi Bank ranks #1059 out of 1522 companies for Return-on-Tangible-Equity. This places Dhanlaxmi Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.35. Dhanlaxmi Bank's value of 6.67% is 41.2% below this benchmark. While the company's 10-year median is 4.85 vs. the industry median of 11.35, Dhanlaxmi Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.35, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dhanlaxmi Bank's current Return-on-Tangible-Equity of 6.67% is 41.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dhanlaxmi Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhanlaxmi Bank's current Return-on-Tangible-Equity is 6.67%, which is 38% above median its own 10-year median of 4.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhanlaxmi Bank stock overvalued right now?
Based on GuruFocus' analysis, Dhanlaxmi Bank (BOM:532180) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹28.07, compared to a current price of ₹32.97 — trading 17.5% above its estimated fair value. The current Return-on-Tangible-Equity is 6.67%, which is 38% above median its 10-year median of 4.85 and 41.2% below the Banks industry median of 11.35. Dhanlaxmi Bank's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Dhanlaxmi Bank (BOM:532180), the current Return-on-Tangible-Equity is 6.67% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Dhanlaxmi Bank (BOM:532180) Overvalued in 2026?
Based on GuruFocus' analysis, Dhanlaxmi Bank stock appears to be overvalued.
The current stock price of ₹32.97 is trading 17.5% above its estimated GF Value™ of ₹28.07.
GuruFocus considers Dhanlaxmi Bank to be Modestly Overvalued.
Key valuation signals for BOM:532180:
Return-on-Tangible-Equity: 6.67% (38% above median its 10-year median of 4.85)
GF Value™: ₹28.07 vs. price of ₹32.97 (17.5% above fair value)
Industry Position: 41.2% below the Banks median (#1059 of 1522)
No single metric tells the full story. See the BOM:532180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhanlaxmi Bank Ltd provides various banking and financial services in India. The bank operates through four segments. Its Treasury operations segment consists of interest earnings on the investment portfolio of the bank, gains or losses on investment operations, and earnings from foreign exchange business. The Corporate and wholesale banking segment offers loans and other banking services to the corporate segment. Its Retail Banking segment renders loans and other banking services to non-corporate customers. The Other banking operations segment includes income from para-banking activities such as debit cards, third-party product distribution, and associated costs. All the operations of the bank are located in India. The retail banking segment generates the highest revenue.
56GF Score
Get the complete analysis for BOM:532180
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