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Yes Bank

₹26.6 1 | 4%

Market Cap ₹76432 Cr.

Stock P/E 74.5

P/B 1.9

Current Price ₹26.6

Book Value ₹ 14.2

Face Value 2

52W High ₹32.8

Dividend Yield 0%

52W Low ₹ 14.1

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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Quarterly Price

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Yes Bank Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 4651 4897 4947 5135 5475 5874 6218 6445 6714 6989
Other Income 812 768 926 785 931 1113 1133 1192 1267 1255
Total Income 5463 5664 5873 5920 6406 6987 7352 7637 7981 8243
Interest Expense 3140 3135 3130 3287 3487 3908 4117 4449 4794 4975
Operating Expenditure 1648 1799 1964 2039 2120 2162 2342 2365 2377 2392
Provisions and contingencies 377 375 271 175 583 845 618 360 506 556
Operating Profit 298 355 508 419 215 72 275 462 304 320
Profit Before Tax 298 355 508 419 215 72 275 462 304 320
Provision for Tax 75 90 136 104 55 17 69 116 76 78
Profit After Tax 223 266 372 314 160 55 206 347 229 243
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 223 266 372 314 160 55 206 347 229 243
Adjusted Earnings Per Share 0.1 0.1 0.1 0.1 0.1 0 0.1 0.1 0.1 0.1

Yes Bank Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 8294 9981 11572 13533 16425 20269 29624 26052 20039 19019 22702 26366
Other Income 1257 1722 2048 2729 4218 5293 4675 11956 3107 3405 4125 4847
Total Income 9551 11703 13620 16263 20643 25562 34299 38008 23146 22424 26827 31213
Interest Expense 6075 7265 8083 8965 10627 12529 19811 19258 12611 12528 14800 18335
Operating Expenditure 1335 1757 2295 3005 4169 5274 6361 6870 5917 6981 8826 9476
Provisions and contingencies 216 362 339 536 794 1554 5778 32718 9380 1480 2220 2040
Operating Profit 1926 2320 2902 3756 5053 6205 2349 -20838 -4762 1434 981 1361
Profit Before Tax 1926 2320 2902 3756 5053 6205 2349 -20838 -4762 1434 981 1361
Provision for Tax 625 709 905 1226 1714 1971 640 -4406 -1273 370 246 339
Profit After Tax 1301 1611 1997 2530 3340 4233 1709 -16433 -3489 1064 736 1025
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 1301 1611 1997 2530 3340 4233 1709 -16433 -3489 1064 736 1025
Adjusted Earnings Per Share 7.3 8.9 9.6 12 14.6 18.4 7.4 -13.1 -1.4 0.4 0.3 0.4

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 19% -4% 2% 11%
Operating Profit CAGR -32% 0% -31% -7%
PAT CAGR -31% 0% -30% -6%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 63% 19% -35% -8%
ROE Average 2% -3% -14% 5%
ROCE Average 5% 4% 2% 8%

Yes Bank Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 5808 7115 11666 13762 22040 25753 26887 21695 33138 33699 40718
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 66956 74186 91159 111704 142857 200689 227558 105311 162846 197063 217382
Borrowings 20922 21314 26220 31659 38607 74894 108424 113791 63949 72340 77754
Other Liabilities & Provisions 5419 6390 7098 8117 11556 11115 17990 17036 13660 15476 19350
Total Liabilities 99104 109005 136143 165243 215060 312450 380860 257832 273593 318578 355204
Cash and balance with RBI 3339 4542 5241 5776 6952 11426 10798 5944 6813 43452 12864
Bank Balance 727 1350 2317 2443 12603 13328 16187 2487 22512 3296 6492
Investments 42976 40933 43193 48788 49982 68293 89329 43748 43115 51754 76749
Advances 47000 55633 75550 98210 132263 203519 241397 171433 166805 180959 203237
Fixed Assets 218 277 296 414 612 765 778 730 2096 2016 2156
Other Assets 4833 6250 9520 9551 12574 15046 22319 33198 32190 36976 53411
Total Assets 99104 109005 136143 165243 215060 312450 380860 257832 273593 318578 355204

Yes Bank Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 3586 4066 5892 7557 8219 19555 24754 26985 8430 29325 46748
Cash Flow from Operating Activities 541 4436 -2317 -304 4384 -21810 -24573 -57721 55396 23598 -25816
Cash Flow from Investing Activities -6742 -2785 -3591 -4023 -4474 -8745 -6294 14192 392 -14511 -12904
Cash Flow from Financing Activities 6681 176 7574 4989 11429 35748 33039 25038 -34942 8391 11450
Net Cash Inflow / Outflow 480 1826 1666 662 11339 5193 2172 -18491 20846 17478 -27270
Closing Cash & Cash Equivalent 4066 5892 7557 8219 19555 24754 26985 8430 29325 46748 19356

Yes Bank Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 7.25 8.94 9.56 12.03 14.63 18.38 7.38 -13.09 -1.39 0.42 0.26
CEPS(Rs) 7.54 9.29 9.98 12.56 15.39 19.39 8.7 -12.82 -1.25 0.58 0.41
DPS(Rs) 1.2 1.6 1.8 2 2.4 2.7 2 0 0 0 0
Book NAV/Share(Rs) 32.39 39.46 55.85 65.45 96.56 111.82 116.14 17.29 13.23 13.45 13.82
Yield on Advances 17.65 17.94 15.32 13.78 12.42 9.96 12.27 15.2 12.01 10.51 11.17
Yield on Investments 7.02 8.75 8.1 7.72 9.02 6.76 7.13 12.28 8.79 6.06 4.69
Cost of Liabilities 6.91 7.61 6.89 6.25 5.86 4.55 5.9 8.79 5.56 4.65 5.01
NIM (Net Interest Margin) 2.36 2.65 2.76 2.94 2.87 2.61 2.74 3.04 3.1 2.32 2.64
Interest Spread 10.73 10.33 8.43 7.53 6.56 5.41 6.38 6.41 6.45 5.86 6.16
ROA(%) 1.31 1.55 1.63 1.68 1.76 1.6 0.49 -5.15 -1.31 0.36 0.22
ROE(%) 22.4 24.94 21.27 19.9 18.66 17.72 6.49 -67.65 -12.73 3.18 2
ROCE(%) 12.86 14.38 13.42 13.31 14.1 11.6 7.19 -10.03 0.16 5.43 5.06
PER(x) 11.82 9.26 17.08 14.37 21.17 16.59 37.25 0 0 28.94 58.81
Price/Book(x) 2.65 2.1 2.92 2.64 3.21 2.73 2.37 1.3 1.18 0.91 1.09
Dividend Yield(%) 1.4 1.93 1.1 1.16 0.77 0.89 0.73 0 0 0 0
EV/Net Sales(x) 4.38 3.63 5.21 5.03 6.66 7.16 5.81 5.45 5.14 5.42 5.33
EV/Core EBITDA(x) 16.95 13.51 18.61 15.85 18.69 18.7 21.18 11.95 22.31 35.39 37.8
Interest Earned Growth(%) 0 20.34 15.94 16.95 21.37 23.4 46.16 -12.06 -23.08 -5.09 19.37
Net Profit Growth 0 23.88 23.97 26.65 32.03 26.75 -59.62 -1061.38 78.77 130.5 -30.85
Advances Growth 0 18.37 35.8 29.99 34.67 53.87 18.61 -28.98 -2.7 8.49 12.31
EPS Growth(%) 0 23.19 7.02 25.81 21.63 25.62 -59.83 -277.33 89.36 130.5 -39.75
Loans/Deposits(x) 31.25 28.73 28.76 28.34 27.02 37.32 47.65 108.05 39.27 36.71 35.77
Cash/Deposits(x) 0.05 0.06 0.06 0.05 0.05 0.06 0.05 0.06 0.04 0.22 0.06
Current Ratio(x) 0.64 0.55 0.47 0.44 0.35 0.34 0.39 0.42 0.26 0.26 0.35
Quick Ratio(x) 31.25 28.73 28.76 28.34 27.02 37.32 47.65 108.05 39.27 36.71 35.77
CASA % 18.95 22.03 23.12 28.05 36.3 36.46 33.07 26.63 26.15 31.12 30.77

Yes Bank Shareholding Pattern

# Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Promoter 0 0 0 0 0 0 0 0 0 0
FII 7.92 8.17 10.97 11.37 12.15 23.25 23.11 23.79 23.4 23.79
DII 45.87 45.55 44 43.92 43.92 38.2 37.79 37.73 40.7 41.99
Public 46.21 46.28 45.02 44.7 43.93 38.55 39.1 38.48 35.9 34.22
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of -3% over the last 3 years.
  • The company has delivered a poor profit growth of -29% over past five 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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