Yes Bank Ltd
Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]
- Market Cap ₹ 71,346 Cr.
- Current Price ₹ 22.8
- High / Low ₹ 24.3 / 16.0
- Stock P/E 25.4
- Book Value ₹ 15.7
- Dividend Yield 0.00 %
- ROCE 6.34 %
- ROE 5.38 %
- Face Value ₹ 2.00
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 3.54% over last 3 years.
- Contingent liabilities of Rs.11,98,818 Cr.
- Earnings include an other income of Rs.6,648 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
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 BSE 100 BSE 200 Nifty 500 BSE BANKEX
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
9,981 | 11,572 | 13,533 | 16,425 | 20,267 | 29,625 | 26,067 | 20,042 | 19,024 | 22,697 | 27,586 | 30,895 | 30,420 | |
Interest | 7,265 | 8,084 | 8,967 | 10,627 | 12,530 | 19,816 | 19,261 | 12,613 | 12,526 | 14,780 | 19,491 | 21,951 | 21,248 |
2,048 | 2,539 | 3,402 | 4,739 | 6,536 | 11,740 | 39,152 | 14,822 | 7,926 | 10,211 | 11,168 | 11,146 | 12,052 | |
Financing Profit | 668 | 949 | 1,165 | 1,059 | 1,201 | -1,931 | -32,347 | -7,394 | -1,428 | -2,293 | -3,073 | -2,202 | -2,880 |
Financing Margin % | 7% | 8% | 9% | 6% | 6% | -7% | -124% | -37% | -8% | -10% | -11% | -7% | -9% |
1,722 | 2,046 | 2,712 | 4,157 | 5,224 | 4,590 | 11,856 | 3,012 | 3,262 | 3,685 | 5,114 | 5,857 | 6,648 | |
Depreciation | 63 | 85 | 111 | 171 | 231 | 302 | 336 | 353 | 398 | 429 | 541 | 487 | 0 |
Profit before tax | 2,326 | 2,910 | 3,766 | 5,044 | 6,194 | 2,357 | -20,826 | -4,735 | 1,436 | 963 | 1,500 | 3,168 | 3,768 |
Tax % | 30% | 31% | 33% | 34% | 32% | 27% | -21% | -27% | 26% | 26% | 17% | 24% | |
1,618 | 2,005 | 2,539 | 3,330 | 4,225 | 1,720 | -16,418 | -3,462 | 1,066 | 717 | 1,251 | 2,406 | 2,806 | |
EPS in Rs | 8.97 | 9.60 | 12.08 | 14.59 | 18.34 | 7.43 | -13.08 | -1.38 | 0.43 | 0.25 | 0.43 | 0.77 | 0.91 |
Dividend Payout % | 18% | 19% | 17% | 16% | 15% | 27% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 10% |
5 Years: | 3% |
3 Years: | 18% |
TTM: | 2% |
Compounded Profit Growth | |
---|---|
10 Years: | 2% |
5 Years: | 17% |
3 Years: | 31% |
TTM: | 61% |
Stock Price CAGR | |
---|---|
10 Years: | -17% |
5 Years: | 12% |
3 Years: | 12% |
1 Year: | 8% |
Return on Equity | |
---|---|
10 Years: | -1% |
5 Years: | 1% |
3 Years: | 4% |
Last Year: | 5% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 361 | 418 | 421 | 456 | 461 | 463 | 2,510 | 5,011 | 5,011 | 5,751 | 5,754 | 6,271 | 6,274 |
Reserves | 6,761 | 11,262 | 13,366 | 21,598 | 25,298 | 26,441 | 19,216 | 28,185 | 28,731 | 34,992 | 36,392 | 41,509 | 42,923 |
Deposits | 74,192 | 91,176 | 111,720 | 142,874 | 200,738 | 227,610 | 105,364 | 162,947 | 197,192 | 217,502 | 266,372 | 284,525 | 296,276 |
Borrowing | 21,314 | 26,220 | 31,659 | 38,607 | 74,894 | 108,424 | 113,790 | 63,949 | 72,205 | 77,452 | 79,941 | 71,603 | 61,955 |
6,388 | 7,094 | 8,098 | 11,525 | 11,056 | 17,888 | 16,946 | 13,451 | 15,082 | 19,090 | 17,035 | 19,514 | 21,606 | |
Total Liabilities | 109,016 | 136,170 | 165,263 | 215,060 | 312,446 | 380,826 | 257,827 | 273,543 | 318,220 | 354,786 | 405,493 | 423,422 | 429,035 |
273 | 293 | 412 | 609 | 761 | 767 | 716 | 2,087 | 2,009 | 2,149 | 2,500 | 2,859 | 3,152 | |
CWIP | 20 | 26 | 59 | 75 | 72 | 50 | 293 | 62 | 124 | 296 | 357 | 206 | 0 |
Investments | 40,950 | 43,228 | 48,838 | 50,032 | 68,399 | 89,522 | 43,915 | 43,319 | 51,896 | 76,888 | 90,235 | 85,104 | 83,204 |
67,772 | 92,623 | 115,954 | 164,345 | 243,214 | 290,487 | 212,903 | 228,075 | 264,192 | 275,453 | 312,401 | 335,252 | 342,679 | |
Total Assets | 109,016 | 136,170 | 165,263 | 215,060 | 312,446 | 380,826 | 257,827 | 273,543 | 318,220 | 354,786 | 405,493 | 423,422 | 429,035 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
4,449 | -2,340 | -292 | 4,379 | -21,878 | -24,661 | -57,641 | 55,428 | 23,623 | -25,626 | 9,596 | 6,062 | |
-2,799 | -3,608 | -4,036 | -4,477 | -8,685 | -6,223 | 14,096 | 440 | -14,548 | -13,023 | -12,447 | 8,524 | |
176 | 7,574 | 4,989 | 11,429 | 35,748 | 33,039 | 25,038 | -34,942 | 8,256 | 11,284 | 2,506 | -5,456 | |
Net Cash Flow | 1,826 | 1,625 | 661 | 11,331 | 5,185 | 2,155 | -18,507 | 20,926 | 17,331 | -27,365 | -345 | 9,129 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 25% | 21% | 20% | 19% | 18% | 7% | -68% | -13% | 3% | 2% | 3% | 5% |
Documents
Announcements
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Intimation For Change Of Domain Name
1d - YES Bank migrated website domain from www.yesbank.in to www.yes.bank.in (per RBI April 22, 2025 circular).
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
1d - Of allotment of equity shares pursuant to exercise of stock options under YBL ESOS 2020 Scheme and YBL RSU Plan 2024
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Audio recording of YES BANK Q2/H1 FY2025-26 earnings call (Oct 18, 2025) available online.
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Submission Of Disclosure On Related Party Transactions Pursuant To Regulation 23(9) Of SEBI (LODR) Regulations, 2015 ('Listing Regulations')
18 Oct - Related-party transactions disclosure for half year ended Sep 30, 2025; includes INR 44.10 crore SMBC trade.
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Transfer Of Demat Undertaking Under The Retail Division (Specified Demat Undertaking) Of YES Bank Limited To YES Securities (India) Limited (Subsidiary Of The Bank)
18 Oct - YES Bank to transfer retail demat undertaking to subsidiary YES Securities effective Jan 1, 2026 for INR 64,75,715.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from nse
Concalls
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Oct 2025TranscriptNotesPPT REC
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Jul 2025Transcript PPT
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May 2025Transcript PPT REC
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Apr 2025TranscriptNotesPPT
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Jan 2025Transcript PPT
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Nov 2024Transcript PPT
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Oct 2024TranscriptNotesPPT
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Sep 2024TranscriptNotesPPT
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Jul 2024Transcript PPT
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May 2024Transcript PPT REC
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Feb 2024Transcript PPT REC
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Oct 2023Transcript PPT
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Jul 2023Transcript PPT
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Jun 2023TranscriptNotesPPT
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Apr 2023TranscriptNotesPPT
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Apr 2023TranscriptNotesPPT
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Jan 2023TranscriptPPT
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Oct 2022TranscriptPPT
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Jul 2022TranscriptPPT
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May 2022TranscriptPPT
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Jun 2020TranscriptNotesPPT
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Mar 2020TranscriptNotesPPT
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Nov 2019TranscriptNotesPPT
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Jul 2019TranscriptNotesPPT
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Jan 2019TranscriptNotesPPT
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Jul 2018TranscriptNotesPPT
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Apr 2018TranscriptNotesPPT
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Jan 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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Oct 2017TranscriptNotesPPT
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Jul 2017TranscriptNotesPPT
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Apr 2017TranscriptNotesPPT
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Feb 2016TranscriptNotesPPT
Market Position
Yes Bank is the 6th largest private sector bank in total assets terms. [1]