Yes Bank Ltd

₹ 21.6 -0.14%

22 Jan - 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 ₹ 67,873 Cr.
Current Price ₹ 21.6
High / Low ₹ 24.3 / 16.0
Stock P/E 21.4
Book Value ₹ 16.0
Dividend Yield 0.00 %
ROCE 6.36 %
ROE 5.46 %
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.
Company has a low return on equity of 3.62% over last 3 years.
Contingent liabilities of Rs.11,98,820 Cr.
Earnings include an other income of Rs.7,083 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 BSE Dollex 200 Nifty 500 BSE BANKEX BSE MidCap Nifty Bank Nifty Midcap 100 Nifty Midcap 50 Nifty 200 BSE Allcap BSE Financial Services BSE MidCap Select Index BSE SENSEX Next 50 Nifty Midcap Liquid 15 Nifty Private Bank BSE 100 ESG Index (INR) BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Private Banks Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Midcap Select Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	5,874	6,218	6,445	6,714	6,989	7,458	7,725	7,737	7,833	7,623	7,605	7,389	7,553
Interest	3,908	4,117	4,449	4,794	4,975	5,309	5,486	5,544	5,617	5,352	5,235	5,093	5,093
	3,006	2,881	2,726	2,883	2,948	3,340	2,820	2,984	2,969	3,080	3,110	3,129	2,961
Financing Profit	-1,041	-780	-730	-962	-934	-1,191	-580	-791	-753	-809	-740	-833	-501
Financing Margin %	-18%	-13%	-11%	-14%	-13%	-16%	-8%	-10%	-10%	-11%	-10%	-11%	-7%
	1,113	1,055	1,192	1,267	1,255	1,642	1,271	1,488	1,583	1,815	1,825	1,724	1,720
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	72	275	462	304	320	451	691	697	830	1,006	1,085	891	1,218
Tax %	24%	25%	25%	25%	24%	-4%	25%	19%	25%	26%	25%	25%	21%
	55	206	347	229	243	467	516	567	619	745	809	664	957
EPS in Rs	0.02	0.07	0.12	0.08	0.08	0.16	0.16	0.18	0.20	0.24	0.26	0.21	0.30
Gross NPA %	2.00%	2.20%	2.00%	2.00%	2.00%	1.70%	1.70%	1.60%	1.60%	1.60%	1.60%	1.60%	1.50%
Net NPA %	1.00%	0.83%	1.00%	0.90%	0.90%	0.60%	0.50%	0.50%	0.50%	0.30%	0.30%	0.30%	0.30%
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	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	20,269	29,624	26,052	20,039	19,019	22,702	27,606	30,919	30,169
Interest	7,265	8,083	8,965	10,627	12,529	19,811	19,258	12,611	12,528	14,800	19,527	21,998	20,773
	2,055	2,548	3,429	4,790	6,595	11,834	39,246	14,937	8,058	10,371	11,350	11,360	12,280
Financing Profit	662	940	1,139	1,008	1,144	-2,021	-32,452	-7,509	-1,568	-2,468	-3,272	-2,439	-2,883
Financing Margin %	7%	8%	8%	6%	6%	-7%	-125%	-37%	-8%	-11%	-12%	-8%	-10%
	1,722	2,048	2,729	4,218	5,293	4,675	11,956	3,107	3,405	3,883	5,355	6,157	7,083
Depreciation	64	86	112	173	232	305	342	360	403	433	546	493	0
Profit before tax	2,320	2,902	3,756	5,053	6,205	2,349	-20,838	-4,762	1,434	981	1,538	3,224	4,200
Tax %	31%	31%	33%	34%	32%	27%	-21%	-27%	26%	25%	16%	24%
	1,611	1,997	2,530	3,340	4,233	1,709	-16,433	-3,489	1,064	736	1,285	2,447	3,174
EPS in Rs	8.94	9.56	12.03	14.63	18.38	7.38	-13.09	-1.39	0.42	0.26	0.45	0.78	1.01
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:	32%
TTM:	46%

Stock Price CAGR
10 Years:	-17%
5 Years:	5%
3 Years:	6%
1 Year:	18%

Return on Equity
10 Years:	-1%
5 Years:	1%
3 Years:	4%
Last Year:	5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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	6,755	11,248	13,342	21,583	25,292	26,424	19,185	28,127	28,688	34,967	36,402	41,562	42,993
Deposits	74,186	91,159	111,704	142,857	200,689	227,558	105,311	162,846	197,063	217,382	266,230	284,420	296,271
Borrowing	21,314	26,220	31,659	38,607	74,894	108,424	113,790	63,949	72,340	77,754	80,508	71,971	62,651
	6,390	7,098	8,117	11,556	11,115	17,990	17,036	13,660	15,476	19,350	17,469	19,892	21,971
Total Liabilities	109,005	136,143	165,243	215,060	312,450	380,860	257,832	273,593	318,578	355,204	406,362	424,116	430,161
	277	296	414	612	765	778	730	2,096	2,016	2,156	2,509	2,872	3,169
CWIP	20	26	60	75	72	51	294	63	125	296	357	206	0
Investments	40,933	43,193	48,788	49,982	68,293	89,329	43,748	43,115	51,754	76,749	89,997	84,725	82,821
	67,775	92,628	115,980	164,391	243,319	290,701	213,061	228,320	264,683	276,003	313,499	336,313	344,170
Total Assets	109,005	136,143	165,243	215,060	312,450	380,860	257,832	273,593	318,578	355,204	406,362	424,116	430,161

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	4,436	-2,317	-304	4,384	-21,810	-24,573	-57,721	55,396	23,598	-25,816	9,645	6,386
	-2,785	-3,591	-4,023	-4,478	-8,738	-6,235	14,128	441	-14,566	-13,026	-12,453	8,514
	176	7,574	4,989	11,429	35,748	33,039	25,038	-34,942	8,391	11,450	2,771	-5,651
Net Cash Flow	1,826	1,666	662	11,336	5,199	2,231	-18,555	20,895	17,423	-27,392	-38	9,249

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	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%	6%	-68%	-13%	3%	2%	3%	5%

Shareholding Pattern

Numbers in percentages

1 Recently

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	23.10%	23.79%	23.39%	23.79%	22.01%	27.08%	27.00%	26.74%	26.88%	24.95%	44.95%	45.74%
	37.77%	37.72%	40.68%	41.98%	41.50%	38.10%	38.20%	38.84%	39.52%	40.26%	20.79%	21.12%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	39.10%	38.47%	35.90%	34.21%	36.47%	34.82%	34.78%	34.42%	33.60%	34.79%	34.24%	33.12%
No. of Shareholders	50,57,387	49,04,795	48,88,441	49,94,636	61,54,888	63,01,444	62,47,735	62,83,710	63,27,641	63,55,943	62,57,303	61,04,673

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	20.19%	20.01%	19.80%	1.42%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	46.65%	42.62%	40.33%	1.86%	13.77%	10.97%	23.10%	22.01%	26.88%	45.74%
	23.31%	24.79%	20.98%	69.17%	46.71%	44.01%	37.77%	41.50%	39.52%	21.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%
	9.85%	12.58%	18.89%	27.55%	39.52%	45.02%	39.10%	36.47%	33.60%	33.12%
No. of Shareholders	1,87,313	4,10,596	7,68,954	20,44,109	35,55,941	43,61,345	50,57,387	61,54,888	63,27,641	61,04,673

* 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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