Yes Bank Ltd

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

Yes Bank Ltd

₹ 16.2 -1.52%
05 Jun 3:42 p.m.
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 ₹ 46,440 Cr.
  • Current Price ₹ 16.2
  • High / Low ₹ 24.8 / 12.2
  • Stock P/E 64.7
  • Book Value ₹ 13.5
  • Dividend Yield 0.00 %
  • ROCE 5.19 %
  • ROE 2.13 %
  • 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 2.29% over past five years.
  • Company has a low return on equity of -1.76% over last 3 years.
  • Contingent liabilities of Rs.6,84,857 Cr.
  • Company might be capitalizing the interest cost

* 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Revenue 5,221 5,486 5,245 5,321 3,989 4,525 4,652 4,898 4,948 5,135 5,474 5,872 6,216
Interest 3,948 3,578 3,272 2,761 3,003 3,123 3,140 3,134 3,128 3,285 3,483 3,901 4,111
6,637 2,469 2,398 3,561 6,731 1,995 1,990 2,142 2,198 2,217 2,704 3,045 2,916
Financing Profit -5,363 -560 -425 -1,001 -5,744 -593 -477 -378 -378 -366 -712 -1,074 -811
Financing Margin % -103% -10% -8% -19% -144% -13% -10% -8% -8% -7% -13% -18% -13%
6,894 621 597 1,087 689 869 778 734 882 781 920 1,143 1,082
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 1,531 60 173 87 -5,055 276 301 356 503 415 208 69 271
Tax % -72% 25% 25% -74% 25% 25% 25% 25% 27% 25% 26% 25% 25%
Net Profit 2,629 45 129 151 -3,788 207 226 266 367 311 153 52 202
EPS in Rs 2.09 0.04 0.05 0.06 -1.51 0.08 0.09 0.11 0.15 0.12 0.06 0.02 0.07
Gross NPA % 16.80% 17.30% 16.90% 15.36% 15.41% 15.60% 14.97% 14.65% 13.93% 13.45% 12.89% 2.02% 2.17%
Net NPA % 5.03% 4.96% 4.71% 4.04% 5.88% 5.78% 5.55% 5.29% 4.53% 4.17% 3.60% 1.03% 0.83%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Revenue 6,307 8,294 9,981 11,572 13,533 16,425 20,267 29,625 26,067 20,042 19,024 22,697
Interest 4,692 6,075 7,265 8,084 8,967 10,627 12,530 19,816 19,261 12,613 12,526 14,780
982 1,499 2,048 2,539 3,402 4,739 6,536 11,740 39,152 14,822 7,926 10,881
Financing Profit 634 720 668 949 1,165 1,059 1,201 -1,931 -32,347 -7,394 -1,428 -2,964
Financing Margin % 10% 9% 7% 8% 9% 6% 6% -7% -124% -37% -8% -13%
857 1,257 1,722 2,046 2,712 4,157 5,224 4,590 11,856 3,012 3,262 3,927
Depreciation 41 52 63 85 111 171 231 302 336 353 398 -0
Profit before tax 1,450 1,926 2,326 2,910 3,766 5,044 6,194 2,357 -20,826 -4,735 1,436 963
Tax % 33% 32% 30% 31% 33% 34% 32% 27% 21% 27% 26% 26%
Net Profit 977 1,301 1,618 2,005 2,539 3,330 4,225 1,720 -16,418 -3,462 1,066 717
EPS in Rs 5.54 7.25 8.97 9.60 12.08 14.59 18.34 7.43 -13.08 -1.38 0.43 0.25
Dividend Payout % 14% 17% 18% 19% 17% 16% 15% 27% -0% -0% -0% -0%
Compounded Sales Growth
10 Years: 11%
5 Years: 2%
3 Years: -5%
TTM: 19%
Compounded Profit Growth
10 Years: -6%
5 Years: -30%
3 Years: 27%
TTM: -33%
Stock Price CAGR
10 Years: -17%
5 Years: -45%
3 Years: -17%
1 Year: 24%
Return on Equity
10 Years: -1%
5 Years: -11%
3 Years: -2%
Last Year: 2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
353 359 361 418 421 456 461 463 2,510 5,011 5,011
Reserves 4,324 5,449 6,761 11,262 13,366 21,598 25,298 26,441 19,216 28,185 28,731
63,308 87,878 95,506 117,396 143,379 181,481 275,632 336,034 219,154 226,896 269,396
5,641 5,419 6,388 7,094 8,098 11,525 11,056 17,888 16,946 13,451 15,082
Total Liabilities 73,626 99,104 109,016 136,170 165,263 215,060 312,446 380,826 257,827 273,543 318,220
169 218 273 293 412 609 761 767 716 2,087 2,009
CWIP 8 11 20 26 59 75 72 50 293 62 124
Investments 27,757 42,976 40,950 43,228 48,838 50,032 68,399 89,522 43,915 43,319 51,896
45,691 55,899 67,772 92,623 115,954 164,345 243,214 290,487 212,903 228,075 264,192
Total Assets 73,626 99,104 109,016 136,170 165,263 215,060 312,446 380,826 257,827 273,543 318,220

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
3,588 541 4,449 -2,340 -292 4,379 -21,878 -24,661 -57,641 55,428 23,623 -25,626
-4,863 -6,742 -2,799 -3,608 -4,036 -4,477 -8,685 -6,223 14,096 440 -14,548 -12,901
1,365 6,681 176 7,574 4,989 11,429 35,748 33,039 25,038 -34,942 8,256 11,284
Net Cash Flow 90 480 1,826 1,625 661 11,331 5,185 2,155 -18,507 20,926 17,331 -27,243

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 23% 25% 25% 21% 20% 19% 18% 7% -68% -13% 3%

Shareholding Pattern

Numbers in percentages

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
1.66 11.16 15.01 13.77 10.45 7.92 8.17 10.97 11.37 12.15 23.24 23.10
69.11 49.28 47.34 46.71 47.10 45.87 45.55 44.01 43.93 43.91 38.19 37.77
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01
29.23 39.56 37.65 39.52 42.45 46.21 46.28 45.02 44.70 43.94 38.54 39.10

* 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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