Yes Bank Ltd

Yes Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Yes Bank Ltd

₹ 17.2 -4.23%
04 Apr - close price
yesbank.in BSE: 532648 NSE: YESBANK
About

Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]

Key Points

Market Position
Yes Bank is the 6th largest private sector bank in total assets terms. [1]

Website BSE NSE
  • Market Cap ₹ 53,898 Cr.
  • Current Price ₹ 17.2
  • High / Low ₹ 28.6 / 16.0
  • Stock P/E 24.8
  • Book Value ₹ 15.0
  • Dividend Yield 0.00 %
  • ROCE 5.81 %
  • ROE 3.11 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Stock is trading at 1.15 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -1.40% over past five years.
  • Company has a low return on equity of 2.76% over last 3 years.
  • Contingent liabilities of Rs.8,11,922 Cr.

* 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.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE Allcap Nifty Total Market Nifty 500 BSE 100 BSE Financial Services

Edit Columns
Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 4,897 4,947 5,135 5,475 5,874 6,218 6,445 6,714 6,989 7,458 7,725 7,737 7,833
Interest 3,135 3,130 3,287 3,487 3,908 4,117 4,449 4,794 4,975 5,309 5,486 5,544 5,617
2,174 2,235 2,214 2,703 3,006 2,881 2,726 2,883 2,948 3,340 2,820 2,984 2,969
Financing Profit -412 -418 -366 -716 -1,041 -780 -730 -962 -934 -1,191 -580 -791 -753
Financing Margin % -8% -8% -7% -13% -18% -13% -11% -14% -13% -16% -8% -10% -10%
768 926 785 931 1,113 1,055 1,192 1,267 1,255 1,642 1,271 1,488 1,583
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 355 508 419 215 72 275 462 304 320 451 691 697 830
Tax % 25% 27% 25% 25% 24% 25% 25% 25% 24% -4% 25% 19% 25%
266 372 314 160 55 206 347 229 243 467 516 567 619
EPS in Rs 0.11 0.15 0.13 0.06 0.02 0.07 0.12 0.08 0.08 0.16 0.16 0.18 0.20
Gross NPA % 14.65% 13.93% 13.40% 12.90% 2.00% 2.20% 2.00% 2.00% 2.00% 1.70% 1.70% 1.60% 1.60%
Net NPA % 5.29% 4.53% 4.20% 3.60% 1.00% 0.83% 1.00% 0.90% 0.90% 0.60% 0.50% 0.50% 0.50%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 8,294 9,981 11,572 13,533 16,425 20,269 29,624 26,052 20,039 19,019 22,702 27,606 30,753
Interest 6,075 7,265 8,083 8,965 10,627 12,529 19,811 19,258 12,611 12,528 14,800 19,527 21,956
1,499 2,055 2,548 3,429 4,790 6,595 11,834 39,246 14,937 8,058 10,371 11,350 12,113
Financing Profit 720 662 940 1,139 1,008 1,144 -2,021 -32,452 -7,509 -1,568 -2,468 -3,272 -3,315
Financing Margin % 9% 7% 8% 8% 6% 6% -7% -125% -37% -8% -11% -12% -11%
1,257 1,722 2,048 2,729 4,218 5,293 4,675 11,956 3,107 3,405 3,883 5,355 5,984
Depreciation 52 64 86 112 173 232 305 342 360 403 433 546 0
Profit before tax 1,926 2,320 2,902 3,756 5,053 6,205 2,349 -20,838 -4,762 1,434 981 1,538 2,669
Tax % 32% 31% 31% 33% 34% 32% 27% -21% -27% 26% 25% 16%
1,301 1,611 1,997 2,530 3,340 4,233 1,709 -16,433 -3,489 1,064 736 1,285 2,169
EPS in Rs 7.25 8.94 9.56 12.03 14.63 18.38 7.38 -13.09 -1.39 0.42 0.26 0.45 0.70
Dividend Payout % 17% 18% 19% 17% 16% 15% 27% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 11%
5 Years: -1%
3 Years: 11%
TTM: 17%
Compounded Profit Growth
10 Years: -2%
5 Years: -6%
3 Years: 33%
TTM: 112%
Stock Price CAGR
10 Years: -20%
5 Years: -7%
3 Years: 5%
1 Year: -32%
Return on Equity
10 Years: -1%
5 Years: -10%
3 Years: 3%
Last Year: 3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 359 361 418 421 456 461 463 2,510 5,011 5,011 5,751 5,754 6,269
Reserves 5,449 6,755 11,248 13,342 21,583 25,292 26,424 19,185 28,127 28,688 34,967 36,402 40,175
Deposits 66,956 74,186 91,159 111,704 142,857 200,689 227,558 105,311 162,846 197,063 217,382 266,230 277,086
Borrowing 20,922 21,314 26,220 31,659 38,607 74,894 108,424 113,790 63,949 72,340 77,754 80,508 78,950
5,419 6,390 7,098 8,117 11,556 11,115 17,990 17,036 13,660 15,476 19,350 17,469 16,649
Total Liabilities 99,104 109,005 136,143 165,243 215,060 312,450 380,860 257,832 273,593 318,578 355,204 406,362 419,130
218 277 296 414 612 765 778 730 2,096 2,016 2,156 2,509 2,982
CWIP 11 20 26 60 75 72 51 294 63 125 296 357 0
Investments 42,976 40,933 43,193 48,788 49,982 68,293 89,329 43,748 43,115 51,754 76,749 89,997 85,365
55,899 67,775 92,628 115,980 164,391 243,319 290,701 213,061 228,320 264,683 276,003 313,499 330,782
Total Assets 99,104 109,005 136,143 165,243 215,060 312,450 380,860 257,832 273,593 318,578 355,204 406,362 419,130

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
541 4,436 -2,317 -304 4,384 -21,810 -24,573 -57,721 55,396 23,598 -25,816 9,645
-6,742 -2,785 -3,591 -4,023 -4,478 -8,738 -6,235 14,128 441 -14,566 -13,026 -12,453
6,681 176 7,574 4,989 11,429 35,748 33,039 25,038 -34,942 8,391 11,450 2,771
Net Cash Flow 480 1,826 1,666 662 11,336 5,199 2,231 -18,555 20,895 17,423 -27,392 -38

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 25% 21% 20% 19% 18% 6% -68% -13% 3% 2% 3%

Shareholding Pattern

Numbers in percentages

Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
10.97% 11.37% 12.15% 23.24% 23.10% 23.79% 23.39% 23.79% 22.01% 27.08% 27.00% 26.74%
44.01% 43.93% 43.91% 38.19% 37.77% 37.72% 40.68% 41.98% 41.50% 38.10% 38.20% 38.84%
0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
45.02% 44.70% 43.94% 38.54% 39.10% 38.47% 35.90% 34.21% 36.47% 34.82% 34.78% 34.42%
No. of Shareholders 43,61,34544,75,21545,47,53448,13,41150,57,38749,04,79548,88,44149,94,63661,54,88863,01,44462,47,73562,83,710

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls