Yes Bank Ltd
Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]
- Market Cap ₹ 50,900 Cr.
- Current Price ₹ 17.7
- High / Low ₹ 24.8 / 14.4
- Stock P/E 66.2
- Book Value ₹ 13.8
- Dividend Yield 0.00 %
- ROCE 4.94 %
- ROE 1.99 %
- 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.
- The company has delivered a poor sales growth of 2.29% over past five years.
- Company has a low return on equity of -1.72% over last 3 years.
- Contingent liabilities of Rs.6,78,410 Cr.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.4,413 Cr.
- Working capital days have increased from 268 days to 404 days
* 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 8,294 | 9,981 | 11,572 | 13,533 | 16,425 | 20,269 | 29,624 | 26,052 | 20,039 | 19,019 | 22,702 | 24,013 |
Interest | 6,075 | 7,265 | 8,083 | 8,965 | 10,627 | 12,529 | 19,811 | 19,258 | 12,611 | 12,528 | 14,800 | 15,962 |
1,499 | 2,055 | 2,548 | 3,429 | 4,790 | 6,595 | 11,834 | 39,246 | 14,937 | 8,058 | 10,612 | 11,439 | |
Financing Profit | 720 | 662 | 940 | 1,139 | 1,008 | 1,144 | -2,021 | -32,452 | -7,509 | -1,568 | -2,710 | -3,388 |
Financing Margin % | 9% | 7% | 8% | 8% | 6% | 6% | -7% | -125% | -37% | -8% | -12% | -14% |
1,257 | 1,722 | 2,048 | 2,729 | 4,218 | 5,293 | 4,675 | 11,956 | 3,107 | 3,405 | 4,125 | 4,413 | |
Depreciation | 52 | 64 | 86 | 112 | 173 | 232 | 305 | 342 | 360 | 403 | 433 | 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 | 1,025 |
Tax % | 32% | 31% | 31% | 33% | 34% | 32% | 27% | 21% | 27% | 26% | 25% | |
1,301 | 1,611 | 1,997 | 2,530 | 3,340 | 4,233 | 1,709 | -16,433 | -3,489 | 1,064 | 736 | 768 | |
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 | 0.27 |
Dividend Payout % | 17% | 18% | 19% | 17% | 16% | 15% | 27% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 11% |
5 Years: | 2% |
3 Years: | -4% |
TTM: | 22% |
Compounded Profit Growth | |
---|---|
10 Years: | -6% |
5 Years: | -30% |
3 Years: | 27% |
TTM: | -35% |
Stock Price CAGR | |
---|---|
10 Years: | -12% |
5 Years: | -40% |
3 Years: | 10% |
1 Year: | 6% |
Return on Equity | |
---|---|
10 Years: | -1% |
5 Years: | -11% |
3 Years: | -2% |
Last Year: | 2% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
359 | 361 | 418 | 421 | 456 | 461 | 463 | 2,510 | 5,011 | 5,011 | 5,751 | |
Reserves | 5,449 | 6,755 | 11,248 | 13,342 | 21,583 | 25,292 | 26,424 | 19,185 | 28,127 | 28,688 | 34,019 |
87,878 | 95,500 | 117,379 | 143,363 | 181,464 | 275,582 | 335,982 | 219,102 | 226,795 | 269,403 | 295,136 | |
5,419 | 6,390 | 7,098 | 8,117 | 11,556 | 11,115 | 17,990 | 17,036 | 13,660 | 15,476 | 20,298 | |
Total Liabilities | 99,104 | 109,005 | 136,143 | 165,243 | 215,060 | 312,450 | 380,860 | 257,832 | 273,593 | 318,578 | 355,204 |
218 | 277 | 296 | 414 | 612 | 765 | 778 | 730 | 2,096 | 2,016 | 2,156 | |
CWIP | 11 | 20 | 26 | 60 | 75 | 72 | 51 | 294 | 63 | 125 | 296 |
Investments | 42,976 | 40,933 | 43,193 | 48,788 | 49,982 | 68,293 | 89,329 | 43,748 | 43,115 | 51,754 | 76,749 |
55,899 | 67,775 | 92,628 | 115,980 | 164,391 | 243,319 | 290,701 | 213,061 | 228,320 | 264,683 | 276,003 | |
Total Assets | 99,104 | 109,005 | 136,143 | 165,243 | 215,060 | 312,450 | 380,860 | 257,832 | 273,593 | 318,578 | 355,204 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
541 | 4,436 | -2,317 | -304 | 4,384 | -21,810 | -24,573 | -57,721 | 55,396 | 23,598 | -25,816 | |
-6,742 | -2,785 | -3,591 | -4,023 | -4,478 | -8,738 | -6,235 | 14,128 | 441 | -14,566 | -13,026 | |
6,681 | 176 | 7,574 | 4,989 | 11,429 | 35,748 | 33,039 | 25,038 | -34,942 | 8,391 | 11,450 | |
Net Cash Flow | 480 | 1,826 | 1,666 | 662 | 11,336 | 5,199 | 2,231 | -18,555 | 20,895 | 17,423 | -27,392 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 25% | 21% | 20% | 19% | 18% | 6% | -68% | -13% | 3% | 2% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Change in Management 7h
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
13 Sep - Of allotment of equity shares pursuant to exercise of options
- Extension Of Tenure Of The Chief Risk Officer Of The Bank 4 Sep
- Clarification On News Item(S) Appearing In "Media/Publication" - Disclosure Under Regulations 30 Of SEBI (LODR) Regulations, 2015 ("Listing Regulations") 4 Sep
- Announcement under Regulation 30 (LODR)-Credit Rating 24 Aug
Annual reports
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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
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Financial Year 2010
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Concalls
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Jul 2023Transcript PPT
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May 2022TranscriptPPT
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Jun 2020TranscriptNotesPPT
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Jul 2017TranscriptNotesPPT
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Apr 2017TranscriptNotesPPT
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Feb 2016TranscriptNotesPPT
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)