Yes Bank Ltd

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

Yes Bank Ltd

₹ 17.7 -1.67%
21 Sep - 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

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 ₹ 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
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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 -1.72% 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
Revenue 5,486 5,245 5,321 3,988 4,524 4,651 4,897 4,947 5,135 5,475 5,874 6,218 6,445
Interest 3,577 3,271 2,760 3,003 3,123 3,140 3,135 3,130 3,287 3,487 3,908 4,117 4,449
2,496 2,428 3,593 6,763 2,028 2,025 2,174 2,235 2,214 2,749 3,084 2,881 2,726
Financing Profit -588 -454 -1,032 -5,778 -627 -514 -412 -418 -366 -761 -1,118 -780 -730
Financing Margin % -11% -9% -19% -145% -14% -11% -8% -8% -7% -14% -19% -13% -11%
637 618 1,115 721 899 812 768 926 785 976 1,190 1,055 1,192
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 49 164 84 -5,058 273 298 355 508 419 215 72 275 462
Tax % 30% 26% -76% 25% 25% 25% 25% 27% 25% 25% 24% 25% 25%
34 120 148 -3,791 204 223 266 372 314 160 55 206 347
EPS in Rs 0.03 0.05 0.06 -1.51 0.08 0.09 0.11 0.15 0.13 0.06 0.02 0.07 0.12
Gross NPA % 17.30% 16.90% 15.36% 15.41% 15.60% 14.97% 14.65% 13.93% 13.40% 12.89% 2.02% 2.20% 2.00%
Net NPA % 4.96% 4.71% 4.04% 5.88% 5.78% 5.55% 5.29% 4.53% 4.20% 3.60% 1.03% 0.83% 1.00%
Raw PDF

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%

Shareholding Pattern

Numbers in percentages

Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023
11.16% 15.01% 13.77% 10.45% 7.92% 8.17% 10.97% 11.37% 12.15% 23.24% 23.10% 23.79%
49.28% 47.34% 46.71% 47.10% 45.87% 45.55% 44.01% 43.93% 43.91% 38.19% 37.77% 37.72%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01%
39.56% 37.65% 39.52% 42.45% 46.21% 46.28% 45.02% 44.70% 43.94% 38.54% 39.10% 38.47%
No. of Shareholders 31,11,02833,14,64135,55,94138,01,65439,77,23841,94,14943,61,34544,75,21545,47,53448,13,41150,57,38749,04,795

* 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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