Yes Bank

₹25 0.3 | 1.4%

WEBSITE BSE:532648 NSE : YES BANK 26 Jul, 16:12

Market Cap ₹78254 Cr.

Stock P/E 50.9

P/B 1.7

Current Price ₹25

Book Value ₹ 14.6

Face Value 2

52W High ₹32.8

Dividend Yield 0%

52W Low ₹ 14.1

Edit Ratio

Yes Bank Research see more...

Yes Bank-What’s next?

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.

Yes Bank Share Price

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Price: NSE50 DMA200 DMAVolume

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Peer Comparison

Yes Bank Quarterly Results

#(Fig in Cr.)	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Interest Earned	4947	5135	5475	5874	6218	6445	6714	6989	7458	7725
Other Income	926	785	931	1113	1055	1192	1267	1255	1642	1271
Total Income	5873	5920	6406	6987	7273	7637	7981	8243	9100	8996
Interest Expense	3130	3287	3487	3908	4117	4449	4794	4975	5309	5486
Operating Expenditure	1964	2039	2120	2162	2263	2365	2377	2392	2875	2608
Provisions and contingencies	271	175	583	845	618	360	506	556	465	212
Operating Profit	508	419	215	72	275	462	304	320	451	691
Profit Before Tax	508	419	215	72	275	462	304	320	451	691
Provision for Tax	136	104	55	17	69	116	76	78	-17	175
Profit After Tax	372	314	160	55	206	347	229	243	467	516
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	372	314	160	55	206	347	229	243	467	516
Adjusted Earnings Per Share	0.1	0.1	0.1	0	0.1	0.1	0.1	0.1	0.2	0.2

Yes Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	9981	11572	13533	16425	20269	29624	26052	20039	19019	22702	27606	28886
Other Income	1722	2048	2729	4218	5293	4675	11956	3107	3405	3883	5355	5435
Total Income	11703	13620	16263	20643	25562	34299	38008	23146	22424	26585	32961	34320
Interest Expense	7265	8083	8965	10627	12529	19811	19258	12611	12528	14800	19527	20564
Operating Expenditure	1757	2295	3005	4169	5274	6361	6870	5917	6981	8584	10009	10252
Provisions and contingencies	362	339	536	794	1554	5778	32718	9380	1480	2220	1887	1739
Operating Profit	2320	2902	3756	5053	6205	2349	-20838	-4762	1434	981	1538	1766
Profit Before Tax	2320	2902	3756	5053	6205	2349	-20838	-4762	1434	981	1538	1766
Provision for Tax	709	905	1226	1714	1971	640	-4406	-1273	370	246	252	312
Profit After Tax	1611	1997	2530	3340	4233	1709	-16433	-3489	1064	736	1285	1455
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1611	1997	2530	3340	4233	1709	-16433	-3489	1064	736	1285	1455
Adjusted Earnings Per Share	8.9	9.6	12	14.6	18.4	7.4	-13.1	-1.4	0.4	0.3	0.4	0.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	22%	11%	-1%	11%
Operating Profit CAGR	57%	0%	-8%	-4%
PAT CAGR	75%	0%	-6%	-2%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	47%	23%	-24%	-14%
ROE Average	3%	3%	-14%	3%
ROCE Average	6%	6%	1%	7%

Yes Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	7115	11666	13762	22040	25753	26887	21695	33138	33699	40718	42155
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	74186	91159	111704	142857	200689	227558	105311	162846	197063	217382	266230
Borrowings	21314	26220	31659	38607	74894	108424	113791	63949	72340	77754	80508
Other Liabilities & Provisions	6390	7098	8117	11556	11115	17990	17036	13660	15476	19350	17469
Total Liabilities	109005	136143	165243	215060	312450	380860	257832	273593	318578	355204	406362
Cash and balance with RBI	4542	5241	5776	6952	11426	10798	5944	6813	43452	12864	18139
Bank Balance	1350	2317	2443	12603	13328	16187	2487	22512	3296	6492	1179
Investments	40933	43193	48788	49982	68293	89329	43748	43115	51754	76749	89997
Advances	55633	75550	98210	132263	203519	241397	171433	166805	180959	203237	227799
Fixed Assets	277	296	414	612	765	778	730	2096	2016	2156	2509
Other Assets	6250	9520	9551	12574	15046	22319	33198	32190	36976	53411	66381
Total Assets	109005	136143	165243	215060	312450	380860	257832	273593	318578	355204	406362

Yes Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	4066	5892	7557	8219	19555	24754	26985	8430	29325	46748	19356
Cash Flow from Operating Activities	4436	-2317	-304	4384	-21810	-24573	-57721	55396	23598	-25816	9645
Cash Flow from Investing Activities	-2785	-3591	-4023	-4474	-8745	-6294	14192	392	-14511	-12904	-12431
Cash Flow from Financing Activities	176	7574	4989	11429	35748	33039	25038	-34942	8391	11450	2771
Net Cash Inflow / Outflow	1826	1666	662	11339	5193	2172	-18491	20846	17478	-27270	-16
Closing Cash & Cash Equivalent	5892	7557	8219	19555	24754	26985	8430	29325	46748	19356	19318

Yes Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	8.94	9.56	12.03	14.63	18.38	7.38	-13.09	-1.39	0.42	0.26	0.45
CEPS(Rs)	9.29	9.98	12.56	15.39	19.39	8.7	-12.82	-1.25	0.58	0.41	0.64
DPS(Rs)	1.6	1.8	2	2.4	2.7	2	0	0	0	0	0
Book NAV/Share(Rs)	39.46	55.85	65.45	96.56	111.82	116.14	17.29	13.23	13.45	13.82	14.3
Yield on Advances	17.94	15.32	13.78	12.42	9.96	12.27	15.2	12.01	10.51	11.17	12.12
Yield on Investments	8.75	8.1	7.72	9.02	6.76	7.13	12.28	8.79	6.06	4.69	5.76
Cost of Liabilities	7.61	6.89	6.25	5.86	4.55	5.9	8.79	5.56	4.65	5.01	5.63
NIM (Net Interest Margin)	2.65	2.76	2.94	2.87	2.61	2.74	3.04	3.1	2.32	2.64	2.4
Interest Spread	10.33	8.43	7.53	6.56	5.41	6.38	6.41	6.45	5.86	6.16	6.49
ROA(%)	1.55	1.63	1.68	1.76	1.6	0.49	-5.15	-1.31	0.36	0.22	0.34
ROE(%)	24.94	21.27	19.9	18.66	17.72	6.49	-67.65	-12.73	3.18	2	3.18
ROCE(%)	14.38	13.42	13.31	14.1	11.6	7.19	-10.03	0.16	5.43	5.06	6.22
PER(x)	9.26	17.08	14.37	21.17	16.59	37.25	0	0	28.94	58.81	51.94
Price/Book(x)	2.1	2.92	2.64	3.21	2.73	2.37	1.3	1.18	0.91	1.09	1.62
Dividend Yield(%)	1.93	1.1	1.16	0.77	0.89	0.73	0	0	0	0	0
EV/Net Sales(x)	3.63	5.21	5.03	6.66	7.16	5.81	5.45	5.14	5.42	5.33	5.33
EV/Core EBITDA(x)	13.51	18.61	15.85	18.69	18.7	21.18	11.95	22.31	35.39	37.8	43
Interest Earned Growth(%)	20.34	15.94	16.95	21.37	23.4	46.16	-12.06	-23.08	-5.09	19.37	21.6
Net Profit Growth	23.88	23.97	26.65	32.03	26.75	-59.62	-1061.38	78.77	130.5	-30.85	74.66
Advances Growth	18.37	35.8	29.99	34.67	53.87	18.61	-28.98	-2.7	8.49	12.31	12.09
EPS Growth(%)	23.19	7.02	25.81	21.63	25.62	-59.83	-277.33	89.36	130.5	-39.75	74.56
Loans/Deposits(x)	28.73	28.76	28.34	27.02	37.32	47.65	108.05	39.27	36.71	35.77	30.24
Cash/Deposits(x)	0.06	0.06	0.05	0.05	0.06	0.05	0.06	0.04	0.22	0.06	0.07
Current Ratio(x)	0.55	0.47	0.44	0.35	0.34	0.39	0.42	0.26	0.26	0.35	0.34
Quick Ratio(x)	28.73	28.76	28.34	27.02	37.32	47.65	108.05	39.27	36.71	35.77	30.24
CASA %	22.03	23.12	28.05	36.3	36.46	33.07	26.63	26.15	31.12	30.77	30.91

Yes Bank Shareholding Pattern

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	10.97	11.37	12.15	23.25	23.11	23.79	23.4	23.79	22.01	27.07
DII	44	43.92	43.92	38.2	37.79	37.73	40.7	41.99	41.52	38.12
Public	45.02	44.7	43.93	38.55	39.1	38.48	35.9	34.22	36.48	34.81
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 -5% 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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Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	274.91	284.99	304.36	668.48	664.53	684.14	672.81	684.28	633.07	848.29
DII	1102.53	1100.51	1100.45	1098.48	1086.55	1085.04	1170.47	1207.73	1194.35	1194.58
Public	1128.05	1120	1100.77	1108.37	1124.4	1106.4	1032.53	984.14	1049.37	1090.7
Others	0	0	0	0	0	0	0	0	0	0
Total	2505.5	2505.5	2505.58	2875.33	2875.48	2875.57	2875.8	2876.16	2876.79	3133.57

Yes Bank

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Yes Bank Research see more...

Overview Inc. Year: 2003Industry: Bank - Private

Yes Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Yes Bank Quarterly Results

Yes Bank Profit & Loss

Growth Rates

Yes Bank Balance Sheet

Yes Bank Cash Flow

Yes Bank Ratios

Yes Bank Shareholding Pattern

Yes Bank News

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