Yes Bank

₹23.1 -0.3 | 1.1%

WEBSITE BSE:532648 NSE : YES BANK 06 Sep, 16:03

Market Cap ₹72530 Cr.

Stock P/E 47.1

P/B 1.6

Current Price ₹23.1

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...

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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

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Yes Bank Quarterly Results

#(Fig in Cr.)	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Interest Earned	4349	4654	4800	5070	5743
Other Income	1257	1132	1248	1422	1421
Total Income	5606	5786	6049	6493	7164
Interest Expense	2709	2845	2915	3182	3589
Operating Expenditure	1206	1237	1227	1309	1440
Provisions and contingencies	310	286	447	421	400
Operating Profit	1381	1418	1460	1580	1736
Profit Before Tax	1381	1418	1460	1580	1736
Provision for Tax	467	453	457	504	556
Profit After Tax	914	966	1003	1077	1179
Adjustments	-914	-966	-1003	-1077	-1179
Profit After Adjustments	0	0	0	0	0
Adjusted Earnings Per Share	4	4.2	4.4	4.7	5.1

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	20267	29625	26067	20042	19024	22697	27586	20267
Other Income	1722	2046	2712	4157	5224	4590	11856	3012	3262	3685	5114
Total Income	11703	13618	16246	20581	25491	34215	37923	23054	22286	26382	32700	25492
Interest Expense	7265	8084	8967	10627	12530	19816	19261	12613	12526	14780	19491	12531
Operating Expenditure	1750	2285	2976	4117	5213	6264	6729	5792	6844	8420	9823	5213
Provisions and contingencies	362	339	536	793	1554	5778	32758	9383	1480	2220	1886	1554
Operating Profit	2326	2910	3766	5044	6194	2357	-20826	-4735	1436	963	1500	6194
Profit Before Tax	2326	2910	3766	5044	6194	2357	-20826	-4735	1436	963	1500	6194
Provision for Tax	709	905	1227	1714	1970	637	-4408	-1273	370	246	249	1970
Profit After Tax	1618	2005	2539	3330	4225	1720	-16418	-3462	1066	717	1251	4225
Adjustments	0	0	0	0	0	0	0	0	0	0	0	-4225
Profit After Adjustments	1618	2005	2539	3330	4225	1720	-16418	-3462	1066	717	1251	0
Adjusted Earnings Per Share	9	9.6	12.1	14.6	18.3	7.4	-13.1	-1.4	0.4	0.2	0.4	18.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	22%	11%	-1%	11%
Operating Profit CAGR	56%	0%	-9%	-4%
PAT CAGR	74%	0%	-6%	-3%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	28%	28%	-17%	-15%
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	7122	11680	13787	22054	25758	26904	21726	33196	33742	40742	42145
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	74192	91176	111720	142874	200738	227610	105364	162947	197192	217502	266372
Borrowings	21314	26220	31659	38607	74894	108424	113791	63949	72205	77452	79941
Other Liabilities & Provisions	6388	7094	8098	11525	11056	17888	16946	13451	15082	19090	17035
Total Liabilities	109016	136170	165263	215060	312446	380826	257827	273543	318220	354786	405493
Cash and balance with RBI	4542	5241	5776	6952	11426	10798	5944	6813	43452	12864	18139
Bank Balance	1350	2316	2442	12597	13309	16092	2439	22496	3187	6410	790
Investments	40950	43228	48838	50032	68399	89522	43915	43319	51896	76888	90235
Advances	55633	75550	98210	132263	203534	241500	171443	166893	181052	203269	227799
Fixed Assets	273	293	412	609	761	767	716	2087	2009	2149	2500
Other Assets	6247	9516	9526	12532	14946	22098	33077	31873	36500	52909	65672
Total Assets	109016	136170	165263	215060	312446	380826	257827	273543	318220	354786	405493

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	8218	19549	24734	26890	8383	29309	46640	19274
Cash Flow from Operating Activities	4449	-2340	-292	4379	-21878	-24661	-57641	55428	23623	-25626	9596
Cash Flow from Investing Activities	-2799	-3608	-4035	-4473	-8692	-6282	14159	391	-14493	-12901	-12425
Cash Flow from Financing Activities	176	7614	4989	11429	35748	33039	25038	-34942	8256	11284	2506
Net Cash Inflow / Outflow	1826	1665	662	11335	5178	2096	-18443	20877	17385	-27243	-323
Closing Cash & Cash Equivalent	5892	7557	8218	19549	24734	26890	8383	29309	46640	19274	18930

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)	8.97	9.6	12.08	14.59	18.34	7.43	-13.08	-1.38	0.43	0.25	0.43
CEPS(Rs)	9.32	10.01	12.6	15.34	19.35	8.73	-12.81	-1.24	0.58	0.4	0.62
DPS(Rs)	1.6	1.8	2	2.4	2.7	2	0	0	0	0	0
Book NAV/Share(Rs)	39.5	55.92	65.57	96.63	111.85	116.22	17.31	13.25	13.46	13.83	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	12.11
Yield on Investments	8.74	8.09	7.72	9.01	6.75	7.11	12.24	8.74	6.05	4.68	5.75
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	6.37	6.42	6.45	5.86	6.16	6.48
ROA(%)	1.55	1.64	1.68	1.75	1.6	0.5	-5.14	-1.3	0.36	0.21	0.33
ROE(%)	25.02	21.33	19.94	18.58	17.67	6.53	-67.52	-12.61	3.19	1.95	3.09
ROCE(%)	14.4	13.44	13.33	14.08	11.58	7.19	-10.02	0.18	5.42	5.03	6.18
PER(x)	9.22	17.01	14.32	21.23	16.62	37.01	0	0	28.88	60.32	53.35
Price/Book(x)	2.09	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	5.41	5.32	5.32
EV/Core EBITDA(x)	13.48	18.57	15.81	18.73	18.73	21.16	11.9	22.17	35.32	37.93	43.32
Interest Earned Growth(%)	20.34	15.94	16.95	21.36	23.4	46.17	-12.01	-23.11	-5.08	19.31	21.54
Net Profit Growth	24.38	23.96	26.63	31.13	26.86	-59.28	-1054.38	78.91	130.8	-32.71	74.39
Advances Growth	18.37	35.8	29.99	34.67	53.89	18.65	-29.01	-2.65	8.48	12.27	12.07
EPS Growth(%)	23.69	7.01	25.79	20.81	25.73	-59.49	-276.04	89.44	130.79	-41.36	74.31
Loans/Deposits(x)	28.73	28.76	28.34	27.02	37.31	47.64	108	39.25	36.62	35.61	30.01
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	0.27	0.26	0.35	0.34
Quick Ratio(x)	28.73	28.76	28.34	27.02	37.31	47.64	108	39.25	36.62	35.61	30.01
CASA %	22.03	23.12	28.05	36.3	36.45	33.06	26.63	26.14	31.12	30.76	30.9

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 -6% 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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