Yes Bank Ltd

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

₹ 22.7 -1.77%
18 Sep - close price
yesbank.in BSE: 532648 NSE: YESBANK F&O
About

Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]

Key Points

Market Position: [1]
Yes Bank is the 6th largest private sector bank in terms of total assets.

Website BSE NSE F&O
  • Market Cap ₹ 71,314 Cr.
  • Current Price ₹ 22.7
  • High / Low ₹ 25.8 / 17.2
  • Stock P/E 18.9
  • Book Value ₹ 16.7
  • Dividend Yield 0.00 %
  • ROCE 5.98 %
  • ROE 7.10 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 24.6% CAGR over last 5 years

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 8.55% over past five years.
  • Company has a low return on equity of 5.33% over last 3 years.
  • Contingent liabilities of Rs.12,24,826 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.7,130 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
6,445 6,714 6,989 7,458 7,725 7,737 7,833 7,623 7,605 7,389 7,553 7,662 8,054
Interest 4,449 4,794 4,975 5,309 5,486 5,544 5,617 5,352 5,235 5,093 5,093 5,030 5,269
2,726 2,883 2,948 3,340 2,820 2,984 2,969 3,080 3,110 3,129 2,961 2,999 3,345
Financing Profit -730 -962 -934 -1,191 -580 -791 -753 -809 -740 -833 -501 -366 -559
Financing Margin % -11% -14% -13% -16% -8% -10% -10% -11% -10% -11% -7% -5% -7%
1,192 1,267 1,255 1,642 1,271 1,488 1,583 1,815 1,825 1,724 1,720 1,816 1,870
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 462 304 320 451 691 697 830 1,006 1,085 891 1,218 1,449 1,311
Tax % 25% 25% 24% -4% 25% 19% 25% 26% 25% 25% 21% 25% 18%
347 229 243 467 516 567 619 745 809 664 957 1,082 1,072
EPS in Rs 0.12 0.08 0.08 0.16 0.16 0.18 0.20 0.24 0.26 0.21 0.30 0.34 0.34
Gross NPA % 2.00% 2.00% 2.00% 1.70% 1.70% 1.60% 1.60% 1.60% 1.60% 1.60% 1.50% 1.30% 1.30%
Net NPA % 1.00% 0.90% 0.90% 0.60% 0.50% 0.50% 0.50% 0.30% 0.30% 0.30% 0.30% 0.20% 0.20%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
11,572 13,533 16,425 20,269 29,624 26,052 20,039 19,019 22,702 27,606 30,919 30,208 30,658
Interest 8,083 8,965 10,627 12,529 19,811 19,258 12,611 12,528 14,800 19,527 21,998 20,450 20,484
2,548 3,429 4,790 6,595 11,834 39,246 14,937 8,058 10,371 11,350 11,360 11,621 12,434
Financing Profit 940 1,139 1,008 1,144 -2,021 -32,452 -7,509 -1,568 -2,468 -3,272 -2,439 -1,863 -2,260
Financing Margin % 8% 8% 6% 6% -7% -125% -37% -8% -11% -12% -8% -6% -7%
2,048 2,729 4,218 5,293 4,675 11,956 3,107 3,405 3,883 5,355 6,157 7,084 7,130
Depreciation 86 112 173 232 305 342 360 403 433 546 493 578 0
Profit before tax 2,902 3,756 5,053 6,205 2,349 -20,838 -4,762 1,434 981 1,538 3,224 4,643 4,870
Tax % 31% 33% 34% 32% 27% -21% -27% 26% 25% 16% 24% 24%
1,997 2,530 3,340 4,233 1,709 -16,433 -3,489 1,064 736 1,285 2,447 3,512 3,775
EPS in Rs 9.56 12.03 14.63 18.38 7.38 -13.09 -1.39 0.42 0.26 0.45 0.78 1.12 1.19
Dividend Payout % 19% 17% 16% 15% 27% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 8%
5 Years: 9%
3 Years: 10%
TTM: 0%
Compounded Profit Growth
10 Years: 3%
5 Years: 25%
3 Years: 69%
TTM: 38%
Stock Price CAGR
10 Years: -21%
5 Years: 12%
3 Years: 8%
1 Year: 7%
Return on Equity
10 Years: 0%
5 Years: 4%
3 Years: 5%
Last Year: 7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 418 421 456 461 463 2,510 5,011 5,011 5,751 5,754 6,271 6,276
Reserves 11,248 13,342 21,583 25,292 26,424 19,185 28,127 28,688 34,967 36,402 41,562 44,882
Deposits 91,159 111,704 142,857 200,689 227,558 105,311 162,846 197,063 217,382 266,230 284,420 318,969
Borrowing 26,220 31,659 38,607 74,894 108,424 113,790 63,949 72,340 77,754 80,508 71,971 65,451
7,098 8,117 11,556 11,115 17,990 17,036 13,660 15,476 19,350 17,469 19,892 34,626
Total Liabilities 136,143 165,243 215,060 312,450 380,860 257,832 273,593 318,578 355,204 406,362 424,116 470,204
296 414 612 765 778 730 2,096 2,016 2,156 2,509 2,872 3,097
CWIP 26 60 75 72 51 294 63 125 296 357 206 101
Investments 43,193 48,788 49,982 68,293 89,329 43,748 43,115 51,754 76,749 89,997 84,725 87,755
92,628 115,980 164,391 243,319 290,701 213,061 228,320 264,683 276,003 313,499 336,313 379,251
Total Assets 136,143 165,243 215,060 312,450 380,860 257,832 273,593 318,578 355,204 406,362 424,116 470,204

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,317 -304 4,384 -21,810 -24,573 -57,721 55,396 23,598 -25,816 9,645 6,386 21,217
-3,591 -4,023 -4,478 -8,738 -6,235 14,128 441 -14,566 -13,026 -12,453 8,514 -4,952
7,574 4,989 11,429 35,748 33,039 25,038 -34,942 8,391 11,450 2,771 -5,651 -6,485
Net Cash Flow 1,666 662 11,336 5,199 2,231 -18,555 20,895 17,423 -27,392 -38 9,249 9,780
Free Cash Flow -2,428 -569 3,999 -22,195 -24,871 -58,256 55,137 23,199 -26,555 8,683 5,665 20,515
CFO/OP -14% 10% 54% -143% -123% 433% 1,101% 216% -209% 62% 33% 109%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 21% 20% 19% 18% 6% -68% -13% 3% 2% 3% 5% 7%

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CASA Ratio
% of total deposits

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Gross NPA Ratio
% of advances
Net NPA Ratio
% of advances
Branch Network
number of branches
Gross Slippage Ratio
% of advances (annualized)
Liquidity Coverage Ratio
%

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
23.39% 23.79% 22.01% 27.08% 27.00% 26.74% 26.88% 24.95% 44.95% 45.74% 46.42% 46.12%
40.68% 41.98% 41.50% 38.10% 38.20% 38.84% 39.52% 40.26% 20.79% 21.12% 21.81% 24.04%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
35.90% 34.21% 36.47% 34.82% 34.78% 34.42% 33.60% 34.79% 34.24% 33.12% 31.74% 29.83%
No. of Shareholders 48,88,44149,94,63661,54,88863,01,44462,47,73562,83,71063,27,64163,55,94362,57,30361,04,67360,08,06258,44,167

* 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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