Is Yes Bank a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Yes Bank Ltd is a below average quality company .

Is Yes Bank undervalued or overvalued?

The key valuation ratios of Yes Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone .

What is Yes Bank share price return in the past 10 years?

Yes Bank Ltd share price has declined -17.6% annually (CAGR) over the past ten years.

Is Yes Bank a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Yes Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

Yes Bank Ltd - Stock Valuation and Financial Performance

Name: Yes Bank
Brand: Yes Bank

BSE: 532648 | NSE: YESBANK | Bank - Private | Mid Cap

Place order

Yes Bank Share Price

₹19.68 0.39 2.02%
as on 19-Nov'24 09:36

10 Year X-Ray of Yes Bank:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Net Interest Income (₹ Cr.)	3,488	4,567	5,797	7,737	9,809	6,805	7,429	6,498	7,918	8,095	8,614
YoY Gr. Rt. %	-	30.9%	27%	33.5%	26.8%	-30.6%	9.2%	-12.5%	21.9%	2.2%	-
Total Income	13,618	16,246	20,581	25,491	34,215	37,923	23,054	22,286	26,382	32,700	35,250
YoY Gr. Rt. %	-	19.3%	26.7%	23.9%	34.2%	10.8%	-39.2%	-3.3%	18.4%	24%	-
Adj EPS (₹ )	9.6	12.1	14.6	18.3	7.4	-13.1	-1.4	0.4	0.3	0.4	0.6
YoY Gr. Rt. %	-	25.8%	20.8%	25.7%	-59.5%	-276%	NA	NA	-41.9%	72%	-
BVPS (₹ )	55.9	65.6	96.6	111.9	116.2	17.3	13.3	13.5	13.8	14.3	14.8
YoY Gr. Rt. %	-	17.3%	47.4%	15.8%	3.9%	-85.1%	-23.5%	1.6%	2.8%	3.4%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.6	1.7	1.8	1.6	0.5	-5.1	-1.3	0.4	0.2	0.3	0.4
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0.1	0.3	0.8	0.6	1.9	5	5.9	4.5	0.8	0.6	0.5
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	9.8%	-3.8%	2.9%	2.2%
Total Income	10.2%	-0.9%	12.4%	24%
Adj EPS	-29.2%	-43.4%	NA	72%
BVPS	-14.1%	-34.2%	2.6%	3.4%
Share Price	-17.6%	-21.1%	15.2%	-5.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Interest Earned / Total Income	84.97	83.31	79.8	79.51	86.58	68.74	86.94	85.36	86.03	84.36	84.8
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	2.8	2.9	2.9	2.6	2.7	3	3.1	2.3	2.6	2.4	2.1
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	21.3	19.9	18.6	17.7	6.5	-67.5	-12.6	3.2	2	3.1	3.7
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	23.1	28.1	36.3	36.5	33.1	26.6	26.1	31.1	30.8	30.9	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 3.80%

Total Income has increased 12.36 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - Yes Bank Ltd.

	Standalone	Consolidated
TTM EPS (₹)	0.6	0.6
TTM Sales (₹ Cr.)	29,882	29,909
BVPS (₹.) ⓘ	14.8	14.8
Reserves (₹ Cr.) ⓘ	40,137	40,175
P/BV ⓘ	1.30	1.30
PE ⓘ	34.78	33.74

From the Market
52 Week Low / High (₹)	19.03 / 32.81
All Time Low / High (₹)	5.55 / 404.00
Market Cap (₹ Cr.)	60,474
Equity (₹ Cr.)	6,270
Face Value (₹)	2
Industry PE ⓘ	17.4

Management X-Ray of Yes Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Yes Bank

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

This is a premium feature, Please click here to check our solutions.

Key Ratios of Yes Bank

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	13,618	16,246	20,581	25,491	34,215	37,923	23,054	22,286	26,382	32,700
Interest Income	11,572	13,533	16,425	20,267	29,625	26,067	20,042	19,024	22,697	27,586
Other Income ⓘ	2,046	2,712	4,157	5,224	4,590	11,856	3,012	3,262	3,685	5,114
Expenditure	11,613	13,706	17,251	21,267	32,495	54,341	26,516	21,220	25,665	31,449
Interest Expense	8,084	8,967	10,627	12,530	19,816	19,261	12,613	12,526	14,780	19,491
Operating Expenses	2,285	2,976	4,117	5,213	6,264	6,729	5,792	6,844	8,420	9,823
Provisions	1,244	1,763	2,507	3,524	6,415	28,351	8,111	1,850	2,465	2,135
Profit Before Tax	2,910	3,766	5,044	6,194	2,357	-20,826	-4,735	1,436	963	1,500
Taxes	905	1,227	1,714	1,970	637	-4,408	-1,273	370	246	249
Profit After Tax	2,005	2,539	3,330	4,225	1,720	-16,418	-3,462	1,066	717	1,251
Adjusted EPS (₹)	9.60	12.08	14.59	18.34	7.43	-13.08	-1.38	0.43	0.25	0.43
Dividend Payout Ratio (%)	19%	17%	16%	15%	27%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	418	421	456	461	463	2,510	5,011	5,011	5,751	5,754
Total Reserves ⓘ	11,262	13,366	21,598	25,298	26,441	19,216	28,185	28,723	34,014	35,386
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	91,176	1,11,720	1,42,874	2,00,738	2,27,610	1,05,364	1,62,947	1,97,192	2,17,502	2,66,372
Borrowings ⓘ	26,220	31,659	38,607	74,894	1,08,424	1,13,791	63,949	72,205	77,452	79,941
Other Liabilities	7,094	8,098	11,525	11,056	17,888	16,946	13,451	15,090	20,067	18,041
Total Liabilities ⓘ	1,36,170	1,65,263	2,15,060	3,12,446	3,80,826	2,57,827	2,73,543	3,18,220	3,54,786	4,05,493
Assets
Balance with RBI	5,241	5,776	6,952	11,426	10,798	5,944	6,813	43,452	12,864	18,139
Balance with Banks	2,316	2,442	12,597	13,309	16,092	2,439	22,496	3,187	6,410	790
Investments ⓘ	43,228	48,838	50,032	68,399	89,522	43,915	43,319	51,896	76,888	90,235
Advances	75,550	98,210	1,32,263	2,03,534	2,41,500	1,71,443	1,66,893	1,81,052	2,03,269	2,27,799
Net Block ⓘ	293	412	609	761	767	716	2,087	2,009	2,149	2,500
Other Assets	9,516	9,526	12,532	14,946	22,098	33,077	31,873	36,500	52,909	65,672
Total Assets ⓘ	1,36,170	1,65,263	2,15,060	3,12,446	3,80,826	2,57,827	2,73,543	3,18,220	3,54,786	4,05,493

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-2,340	-292	4,379	-21,878	-24,661	-57,641	55,428	23,623	-25,626	9,596
Cash Flow From Investing Activity ⓘ	-3,608	-4,035	-4,473	-8,692	-6,282	14,159	391	-14,493	-12,901	-12,425
Cash Flow From Financing Activity ⓘ	7,614	4,989	11,429	35,748	33,039	25,038	-34,942	8,256	11,284	2,506
Net Cash Flow ⓘ	1,665	662	11,335	5,178	2,096	-18,443	20,877	17,385	-27,243	-323

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	48	60	73	18	7	-13	-1	0	0	0
DPS (₹)	9	10	12	3	2	0	0	0	0	0
BVPS (₹)	280	328	483	112	116	17	13	13	14	14
Margin Ratios
Yield on Advances (%)	15.3	13.8	12.4	10.0	12.3	15.2	12.0	10.5	11.2	12.1
Yield on Investments (%)	8.1	7.7	9.0	6.8	7.1	12.2	8.7	6.1	4.7	5.8
Cost of Liabilities (%)	6.9	6.3	5.9	4.6	5.9	8.8	5.6	4.7	5.0	5.6
NIM (%)	2.8	2.9	2.9	2.6	2.7	3.0	3.1	2.3	2.6	2.4
Interest Spread (%)	8.4	7.5	6.6	5.4	6.4	6.4	6.5	5.9	6.2	6.5
Performance Ratios
ROA (%)	1.6	1.7	1.8	1.6	0.5	-5.1	-1.3	0.4	0.2	0.3
ROE (%)	21.3	19.9	18.6	17.7	6.5	-67.5	-12.6	3.2	2.0	3.1
ROCE (%)	13.4	13.3	14.1	11.6	7.2	-10.0	0.2	5.4	5.0	6.2
Efficiency Ratios
Cost to Income Ratio (%)	41.3	40.9	41.4	40.2	43.5	36.1	55.5	70.1	72.6	74.4
Operating Costs to Assets (%)	1.7	1.8	1.9	1.7	1.6	2.6	2.1	2.2	2.4	2.4
Valuation Parameters
Price/Book(x)	2.9	2.6	3.2	2.7	2.4	1.3	1.2	0.9	1.1	1.6

Yes Bank Ltd Stock News

Yes Bank Ltd FAQs

What is the share price of Yes Bank?

Company share prices are keep on changing according to the market conditions. The closing price of Yes Bank on 19-Nov-2024 09:36 is ₹19.68.

What is the market cap of Yes Bank?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 19-Nov-2024 09:36 the market cap of Yes Bank stood at ₹60,473.9.

What is the P/E ratio of Yes Bank?

The latest P/E ratio of Yes Bank as of 19-Nov-2024 09:36 is 34.78.

What is the P/B ratio of Yes Bank?

The latest P/B ratio of Yes Bank as of 19-Nov-2024 09:36 is 1.30.

What is the 52-week high and low of Yes Bank?

The 52-week high of Yes Bank is ₹32.81 and the 52-week low is ₹19.03.

What is the TTM revenue of Yes Bank?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Yes Bank is ₹29,882 ( Cr.) .

About Yes Bank Ltd

Yes Bank, incorporated in 2004 by Rana Kapoor and Late Ashok Kapur, is a new age private sector bank. Since inception Yes Bank has fructified into a â€˜â€œFull Service Commercial Bankâ€ that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country, and is well equipped to offer a range of products and services to corporate and retail customers.

YES BANK offers a full-range of client-focused corporate banking services, including working capital finance, specialized corporate finance, trade and transactional services, treasury risk management services, investment banking solutions and liquidity management solutions among others to a highly focused client base.

The bank is part of global thought leadership forums like the Clinton Global Initiative (CGI), Triple Bottom Line Investing (TBLI) and Tallberg Forum. Recently, it became the first Indian Bank to become a signatory with the United Nations Environment Programme (Financial Initiative).

As part of the differentiated strategy, Yes Bank has had a strong focus on Development Banking, as is evident from the cutting-edge work that the Bank has done in the area of Food & Agribusiness, Infrastructure, Microfinance, and Sustainability which in most cases has been first-of-its kind in India

Yes Bank has partnered with various companies for delivering quality products and services namely Cash Tech, Cisco Systems, Gartner, Intel, i-flex, Reuters, VSNL, Wipro, De La Rue, Murex, Wincor Nixdorf and Sanovi.

The bank also has a widespread branch network of over 331 branches across 200 cities, with over 420 ATM's and 2 National Operating Centres in Mumbai and Gurgaon.

Business Areas

Corporate and Institutional Banking- The bank offers a broad range of financial and risk management solutions to clients such as large Indian corporates and groups, multinational companies, central and state governments, government bodies and public sector enterprises.

Business Banking- Yes Bank offers a range of products, services and resources to small and medium businesses.

Corporate Finance- It offers corporate finance solutions to various clients such as local corporates, multinational companies, financial institutions and public sector undertakings.

Retail Banking- Under this, the bank offers wide range of products and services such as saving account, current account, fixed deposit, retail loan, depository services and many more.

Investment Banking- Yes Bank offers investment banking services in area of mergers and acquisitions, divestitures, private equity syndication and IPO advisory.

Awards & Recognitions :

In March 2014- The Bank was awarded the â€œRamkrishna Bajaj National Quality (RBNQ) Business Excellence Award - 2013â€ in the Services Category. Organized by Indian Merchantsâ€™ Chamber, YES BANK is the only bank to win this prestigious award in the history of the RBNQ Award.

Outstanding Business Sustainability Achievement Karlsruhe Sustainable Finance Awards Germany, 2013

Jamnalal Bajaj Uchit Vyavahar Puraskar (Service Enterprises-Large) Council for Fair Business Practices (CFBP) 2012

Financial Institutions Syndicated Deal of the Year, Asia Pacific Region Asia Pacific Loan Market Association (APLMA) 2012

Global Business Excellence Award, Dubai, 2013

Sustainability Award, London, 2012 Golden Peacock

Institutional Excellence

YES BANK receives the 'Fastest Growing Bank' Award third year in a row at the Business world Best Bank Awards 2011
YES BANK receives the Best Private Sector Bank Award at Dun & Bradstreet - Polaris Software Banking Awards 2011
YES BANK receives â€œSustainable Bank of the Year (Asia/Pacific)â€ Award at FT/IFC Sustainable Finance Awards 2011, London

Business Excellence

1) YES BANK won seven awards at Asiaâ€™s Best Employer Brand Awards and the CMO Asia Awards for Excellence in Branding and Marketing that were held on July 22, 2011 in Singapore. The bank received awards in the following categories:

Continuous Innovation in HR Strategy at Work
Talent Management
Best HR Strategy in Line with Business
Excellence in HR through Technology
CEO of the Year Award to Mr. Rana Kapoor
Brand Excellence in Banking, Financial Services & Insurance
Best Corporate Social Responsibility Practice (Overall)

2) YES BANK received 'The Asian Banker Technology Implementation Awards 2011'

Won the Best Multi-channel Capability Project Award for increasing its distribution and optimizing its mobile banking services
Won the Best Financial Supply Chain Project Award for streamlining a clientâ€™s business processes into a single work flow, automating remittances and allowing for faster and more accurate reconciliation

3) YES BANKâ€™s Chief Information Security Officer ranked as one of the Top 100 CISOs at the TOP 100 CISO Awards 2011.

4) YES BANK receives significant recognition at The Banker Technology Awards 2011