Yes Bank Ltd

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

Yes Bank Ltd

₹ 20.8 3.73%
03 Dec - 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

Business Overview:[1][2][3]
Yes bank is a full service commercial bank providing a complete range of products, services and digital offerings, catering to retail, MSME and corporate clients. It operates its investment banking, merchant banking and brokerage businesses through YES Securities which is a whollyowned subsidiary of the Bank.
YBL has a pan India network of 1,192 branches, 150 BCBO and 1,300+ ATMs in over 300 districts of India. It also has a representative office in Abu Dhabi and an IFSC Banking Unit (IBU) in Gujarat International Finance Tec-City (GIFT)

Website BSE NSE
  • Market Cap ₹ 65,268 Cr.
  • Current Price ₹ 20.8
  • High / Low ₹ 32.8 / 19.0
  • Stock P/E 36.4
  • Book Value ₹ 14.6
  • Dividend Yield 0.00 %
  • ROCE 5.81 %
  • ROE 3.11 %
  • Face Value ₹ 2.00
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Pros

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 Nifty Midcap 150 BSE 500 Nifty 500 Multicap 50:25:25 BSE 400 MidSmallCap Index BSE 250 LargeMidCap Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 4,651 4,897 4,947 5,135 5,475 5,874 6,218 6,445 6,714 6,989 7,458 7,725 7,737
Interest 3,140 3,135 3,130 3,287 3,487 3,908 4,117 4,449 4,794 4,975 5,309 5,486 5,544
2,025 2,174 2,235 2,214 2,703 3,006 2,881 2,726 2,883 2,948 3,340 2,820 2,984
Financing Profit -514 -412 -418 -366 -716 -1,041 -780 -730 -962 -934 -1,191 -580 -791
Financing Margin % -11% -8% -8% -7% -13% -18% -13% -11% -14% -13% -16% -8% -10%
812 768 926 785 931 1,113 1,055 1,192 1,267 1,255 1,642 1,271 1,488
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 298 355 508 419 215 72 275 462 304 320 451 691 697
Tax % 25% 25% 27% 25% 25% 24% 25% 25% 25% 24% -4% 25% 19%
223 266 372 314 160 55 206 347 229 243 467 516 567
EPS in Rs 0.09 0.11 0.15 0.13 0.06 0.02 0.07 0.12 0.08 0.08 0.16 0.16 0.18
Gross NPA % 14.97% 14.65% 13.93% 13.40% 12.90% 2.00% 2.20% 2.00% 2.00% 2.00% 1.70% 1.70% 1.60%
Net NPA % 5.55% 5.29% 4.53% 4.20% 3.60% 1.00% 0.83% 1.00% 0.90% 0.90% 0.60% 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 29,909
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 21,314
1,499 2,055 2,548 3,429 4,790 6,595 11,834 39,246 14,937 8,058 10,371 11,350 12,092
Financing Profit 720 662 940 1,139 1,008 1,144 -2,021 -32,452 -7,509 -1,568 -2,468 -3,272 -3,497
Financing Margin % 9% 7% 8% 8% 6% 6% -7% -125% -37% -8% -11% -12% -12%
1,257 1,722 2,048 2,729 4,218 5,293 4,675 11,956 3,107 3,405 3,883 5,355 5,656
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 2,159
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 1,792
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 0.58
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: 18%
Compounded Profit Growth
10 Years: -2%
5 Years: -6%
3 Years: 33%
TTM: 114%
Stock Price CAGR
10 Years: -18%
5 Years: -20%
3 Years: 18%
1 Year: 7%
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
Equity Capital 359 361 418 421 456 461 463 2,510 5,011 5,011 5,751 5,754
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
87,878 95,500 117,379 143,363 181,464 275,582 335,982 219,102 226,795 269,403 295,136 346,737
5,419 6,390 7,098 8,117 11,556 11,115 17,990 17,036 13,660 15,476 19,350 17,469
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
218 277 296 414 612 765 778 730 2,096 2,016 2,156 2,509
CWIP 11 20 26 60 75 72 51 294 63 125 296 357
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
55,899 67,775 92,628 115,980 164,391 243,319 290,701 213,061 228,320 264,683 276,003 313,499
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

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

2 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
8.17% 10.97% 11.37% 12.15% 23.24% 23.10% 23.79% 23.39% 23.79% 22.01% 27.08% 27.00%
45.55% 44.01% 43.93% 43.91% 38.19% 37.77% 37.72% 40.68% 41.98% 41.50% 38.10% 38.20%
0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
46.28% 45.02% 44.70% 43.94% 38.54% 39.10% 38.47% 35.90% 34.21% 36.47% 34.82% 34.78%
No. of Shareholders 41,94,14943,61,34544,75,21545,47,53448,13,41150,57,38749,04,79548,88,44149,94,63661,54,88863,01,44462,47,735

* 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.

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