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Dhanlaxmi BankBOM:532180 +0.83%56 ROE % 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 1,524 Banks companies, Dhanlaxmi Bank ranks worse than 66.8% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Dhanlaxmi Bank's annualized net income for the quarter that ended in Jun. 2026 was ₹996 Mil. Dhanlaxmi Bank's average Total Stockholders Equity over the quarter that ended in Jun. 2026 was ₹14,936 Mil. Therefore, Dhanlaxmi Bank's annualized ROE % for the quarter that ended in Jun. 2026 was 6.67%.
The historical rank and industry rank for Dhanlaxmi Bank's ROE % or its related term are showing as below:
BOM:532180'
s ROE % 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 ROE % was 8.28%. The lowest was -3.54%. And the median was 4.85%.
BOM:532180's ROE % is ranked worse than 66.8% of 1524
companies
in the Banks industry
Industry Median: 10.32
vs BOM:532180: 7.97
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Dhanlaxmi Bank ROE % Related Terms
Dhanlaxmi Bank ROE % Historical Data
* Premium members only.
The historical data trend for Dhanlaxmi Bank's ROE % 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.
For the Banks - Regional subindustry, Dhanlaxmi Bank's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Dhanlaxmi Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Dhanlaxmi Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Dhanlaxmi Bank (BOM:532180) has a ROE % of 6.67% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 #1018 out of 1524 companies in the Banks industry, placing it in the top 66.8%.
Is Dhanlaxmi Bank's ROE % too high?
Dhanlaxmi Bank's current ROE % of 6.67% is 38% above median its 10-year median of 4.85. The Banks industry median ROE % is 10.32. Dhanlaxmi Bank's value of 6.67% is 35.4% below this industry median. Based on the distribution chart, Dhanlaxmi Bank ranks #1018 out of 1524 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 ROE % compare to PNC?
According to the Banks industry distribution chart, Dhanlaxmi Bank ranks #1018 out of 1524 companies for ROE %. This places Dhanlaxmi Bank in the lower half of its industry. The industry median ROE % is 10.32. Dhanlaxmi Bank's value of 6.67% is 35.4% below this benchmark. While the company's 10-year median is 4.85 vs. the industry median of 10.32, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dhanlaxmi Bank's current ROE % of 6.67% is 35.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Dhanlaxmi Bank and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhanlaxmi Bank's current ROE % 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 ROE % is 6.67%, which is 38% above median its 10-year median of 4.85 and 35.4% below the Banks industry median of 10.32. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Dhanlaxmi Bank (BOM:532180), the current ROE % 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:
ROE %: 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: 35.4% below the Banks median (#1018 of 1524)
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
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