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Yes Bank

₹22.5 0 | 0.1%

Market Cap ₹70595 Cr.

Stock P/E 28.9

P/B 1.4

Current Price ₹22.5

Book Value ₹ 15.7

Face Value 2

52W High ₹24.3

Dividend Yield 0%

52W Low ₹ 16

Overview Inc. Year: 2003Industry: Bank - Private

YES BANK Ltd is an India-based private sector bank engaged in providing banking services, together with corporate and institutional banking, monetary markets, investment banking, corporate finance, branch banking, enterprise and transaction banking and wealth control. Its segments include Retail Banking, Treasury, Corporate Banking, and Other Banking Operations. Treasury segment includes investments, all monetary markets activities undertaken on behalf of the Bank's clients and trading, maintaining reserve requirements and resource mobilization from different banks and financial institutions. The Corporate Banking and Retail Banking section consists of lending, deposit-taking and other offerings offered to company and retail customers respectively. Other Banking Operations includes para banking activities. Its services and products include savings account, current account, YES First, YES Premia, online banking, internet banking offerings, digital salary account, credit card and debit card.

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Yes Bank Share Price

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Volume
Price

Quarterly Price

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Yes Bank Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Interest Earned 6445 6714 6989 7458 7725 7737 7833 7623 7605 7389
Other Income 1192 1267 1255 1642 1271 1488 1583 1815 1825 1724
Total Income 7637 7981 8243 9100 8996 9225 9416 9438 9429 9113
Interest Expense 4449 4794 4975 5309 5486 5544 5617 5352 5235 5093
Operating Expenditure 2365 2377 2392 2875 2608 2687 2710 2762 2826 2711
Provisions and contingencies 360 506 556 465 212 297 259 318 284 419
Operating Profit 462 304 320 451 691 697 830 1006 1085 891
Profit Before Tax 462 304 320 451 691 697 830 1006 1085 891
Provision for Tax 116 76 78 -17 175 131 211 261 276 227
Profit After Tax 347 229 243 467 516 567 619 745 809 664
Adjustments 0 0 0 0 0 0 -0 -0 -0 -0
Profit After Adjustments 347 229 243 467 516 567 619 745 809 664
Adjusted Earnings Per Share 0.1 0.1 0.1 0.2 0.2 0.2 0.2 0.2 0.3 0.2

Yes Bank Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 11572 13533 16425 20269 29624 26052 20039 19019 22702 27606 30919 30450
Other Income 2048 2729 4218 5293 4675 11956 3107 3405 3883 5355 6157 6947
Total Income 13620 16263 20643 25562 34299 38008 23146 22424 26585 32961 37076 37396
Interest Expense 8083 8965 10627 12529 19811 19258 12611 12528 14800 19527 21998 21297
Operating Expenditure 2295 3005 4169 5274 6361 6870 5917 6981 8584 10009 10768 11009
Provisions and contingencies 339 536 794 1554 5778 32718 9380 1480 2220 1887 1086 1280
Operating Profit 2902 3756 5053 6205 2349 -20838 -4762 1434 981 1538 3224 3812
Profit Before Tax 2902 3756 5053 6205 2349 -20838 -4762 1434 981 1538 3224 3812
Provision for Tax 905 1226 1714 1971 640 -4406 -1273 370 246 252 777 975
Profit After Tax 1997 2530 3340 4233 1709 -16433 -3489 1064 736 1285 2447 2837
Adjustments 0 0 0 0 0 0 0 0 0 0 -0 0
Profit After Adjustments 1997 2530 3340 4233 1709 -16433 -3489 1064 736 1285 2446 2837
Adjusted Earnings Per Share 9.6 12 14.6 18.4 7.4 -13.1 -1.4 0.4 0.3 0.4 0.8 0.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 12% 18% 3% 10%
Operating Profit CAGR 110% 31% 0% 1%
PAT CAGR 90% 32% 0% 2%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 16% 10% 9% -17%
ROE Average 6% 4% 0% 2%
ROCE Average 8% 6% 5% 7%

Yes Bank Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 11666 13762 22040 25753 26887 21695 33138 33699 40718 42155 47832
Minority's Interest 0 0 0 0 0 0 0 0 0 0 3
Deposits 91159 111704 142857 200689 227558 105311 162846 197063 217382 266230 284420
Borrowings 26220 31659 38607 74894 108424 113791 63949 72340 77754 80508 71971
Other Liabilities & Provisions 7098 8117 11556 11115 17990 17036 13660 15476 19350 17469 19889
Total Liabilities 136143 165243 215060 312450 380860 257832 273593 318578 355204 406362 424116
Cash and balance with RBI 5241 5776 6952 11426 10798 5944 6813 43452 12864 18139 15260
Bank Balance 2317 2443 12603 13328 16187 2487 22512 3296 6492 1179 13307
Investments 43193 48788 49982 68293 89329 43748 43115 51754 76749 89997 84725
Advances 75550 98210 132263 203519 241397 171433 166805 180959 203237 227799 246120
Fixed Assets 296 414 612 765 778 730 2096 2016 2156 2509 2872
Other Assets 9520 9551 12574 15046 22319 33198 32190 36976 53411 66381 61625
Total Assets 136143 165243 215060 312450 380860 257832 273593 318578 355204 406362 424116

Yes Bank Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 5892 7557 8219 19555 24754 26985 8430 29325 46748 19356 19318
Cash Flow from Operating Activities -2317 -304 4384 -21810 -24573 -57721 55396 23598 -25816 9645 6386
Cash Flow from Investing Activities -3591 -4023 -4474 -8745 -6294 14192 392 -14511 -12904 -12431 8527
Cash Flow from Financing Activities 7574 4989 11429 35748 33039 25038 -34942 8391 11450 2771 -5651
Net Cash Inflow / Outflow 1666 662 11339 5193 2172 -18491 20846 17478 -27270 -16 9262
Closing Cash & Cash Equivalent 7557 8219 19555 24754 26985 8430 29325 46748 19356 19318 28567

Yes Bank Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 9.56 12.03 14.63 18.38 7.38 -13.09 -1.39 0.42 0.26 0.45 0.78
CEPS(Rs) 9.98 12.56 15.39 19.39 8.7 -12.82 -1.25 0.58 0.41 0.64 0.94
DPS(Rs) 1.8 2 2.4 2.7 2 0 0 0 0 0 0
Book NAV/Share(Rs) 55.85 65.45 96.56 111.82 116.14 17.29 13.23 13.45 13.82 14.3 15.22
Yield on Advances 15.32 13.78 12.42 9.96 12.27 15.2 12.01 10.51 11.17 12.12 12.56
Yield on Investments 8.1 7.72 9.02 6.76 7.13 12.28 8.79 6.06 4.69 5.76 7.21
Cost of Liabilities 6.89 6.25 5.86 4.55 5.9 8.79 5.56 4.65 5.01 5.63 6.17
NIM (Net Interest Margin) 2.76 2.94 2.87 2.61 2.74 3.04 3.1 2.32 2.64 2.4 2.48
Interest Spread 8.43 7.53 6.56 5.41 6.38 6.41 6.45 5.86 6.16 6.49 6.39
ROA(%) 1.63 1.68 1.76 1.6 0.49 -5.15 -1.31 0.36 0.22 0.34 0.59
ROE(%) 21.27 19.9 18.66 17.72 6.49 -67.65 -12.73 3.18 2 3.18 5.51
ROCE(%) 13.42 13.31 14.1 11.6 7.19 -10.03 0.16 5.43 5.06 6.22 7.74
PER(x) 17.08 14.37 21.17 16.59 37.25 0 0 28.94 58.81 51.94 21.65
Price/Book(x) 2.92 2.64 3.21 2.73 2.37 1.3 1.18 0.91 1.09 1.62 1.11
Dividend Yield(%) 1.1 1.16 0.77 0.89 0.73 0 0 0 0 0 0
EV/Net Sales(x) 5.21 5.03 6.66 7.16 5.81 5.45 5.14 5.42 5.33 5.33 4.04
EV/Core EBITDA(x) 18.61 15.85 18.69 18.7 21.18 11.95 22.31 35.39 37.8 43 28.99
Interest Earned Growth(%) 15.94 16.95 21.37 23.4 46.16 -12.06 -23.08 -5.09 19.37 21.6 12
Net Profit Growth 23.97 26.65 32.03 26.75 -59.62 -1061.38 78.77 130.5 -30.85 74.66 90.37
Advances Growth 35.8 29.99 34.67 53.87 18.61 -28.98 -2.7 8.49 12.31 12.09 8.04
EPS Growth(%) 7.02 25.81 21.63 25.62 -59.83 -277.33 89.36 130.5 -39.75 74.56 74.68
Loans/Deposits(x) 28.76 28.34 27.02 37.32 47.65 108.05 39.27 36.71 35.77 30.24 25.3
Cash/Deposits(x) 0.06 0.05 0.05 0.06 0.05 0.06 0.04 0.22 0.06 0.07 0.05
Current Ratio(x) 0.47 0.44 0.35 0.34 0.39 0.42 0.26 0.26 0.35 0.34 0.3
Quick Ratio(x) 28.76 28.34 27.02 37.32 47.65 108.05 39.27 36.71 35.77 30.24 25.3
CASA % 23.12 28.05 36.3 36.46 33.07 26.63 26.15 31.12 30.77 30.91 34.27

Yes Bank Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 0 0 0 0 0 0 0 0 0 0
FII 23.79 23.4 23.79 22.01 27.07 27 26.74 26.87 24.95 44.95
DII 37.73 40.7 41.99 41.52 38.12 38.21 38.64 39.47 40.21 20.74
Public 38.48 35.9 34.22 36.48 34.81 34.79 34.62 33.66 34.84 34.3
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 4% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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