Yes Bank Ltd

YES BANK Limited is a private sector bank. The Bank is engaged in providing banking services, including corporate and institutional banking, financial markets, investment banking, corporate finance, branch banking, business and transaction banking, and wealth management.

  • Market Cap: 9,003 Cr.
  • Current Price: 35.30
  • 52 weeks High / Low 286.00 / 29.00
  • Book Value: 105.42
  • Stock P/E:
  • Dividend Yield: 5.14 %
  • ROCE: 6.67 %
  • ROE: 6.49 %
  • Sales Growth (3Yrs): 29.84 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 2.00
Pros:
Stock is trading at 0.33 times its book value
Company has been maintaining a healthy dividend payout of 19.39%
Cons:
Company has low interest coverage ratio.
Promoter holding has decreased by -11.44% over last quarter
Promoter holding is low: 8.34%
Company has a low return on equity of 13.63% for last 3 years.
Contingent liabilities of Rs.658922.49 Cr.

Peer Comparison Sector: Banks // Industry: Banks - Private Sector

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
Revenue 6,578 7,231 7,959 7,856 7,813 7,383
Interest 4,358 4,813 5,291 5,349 5,534 5,199
2,105 2,491 2,141 5,403 3,417 3,047
Financing Profit 115 -72 527 -2,896 -1,139 -864
Financing Margin % 2% -1% 7% -37% -15% -12%
Other Income 1,723 1,483 915 554 1,293 965
Depreciation 0 0 0 0 0 0
Profit before tax 1,838 1,411 1,442 -2,342 154 101
Tax % 31% 33% 31% 36% 38% 725%
Net Profit 1,266 951 1,001 -1,508 96 -629
EPS in Rs 5.51 4.13 4.32 -6.56 0.41
Gross NPA % 1.31% 1.60% 0.00% 3.22% 5.01% 7.39%
Net NPA % 0.59% 0.84% 0.00% 1.86% 2.91% 4.35%
Notes Notes Notes Notes Notes Notes

Profit & Loss Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Revenue 8,294 9,981 11,572 13,533 16,425 20,269 29,624 31,011
Interest 6,075 7,265 8,083 8,965 10,627 12,529 19,811 21,375
1,498 2,055 2,548 3,429 4,790 6,594 11,834 14,008
Financing Profit 721 662 941 1,139 1,008 1,145 -2,021 -4,373
Financing Margin % 9% 7% 8% 8% 6% 6% -7% -14%
Other Income 1,257 1,721 2,048 2,729 4,218 5,292 4,675 3,727
Depreciation 52 64 86 112 173 232 305 0
Profit before tax 1,926 2,320 2,902 3,756 5,053 6,205 2,349 -645
Tax % 32% 31% 31% 33% 34% 32% 27%
Net Profit 1,301 1,611 1,997 2,530 3,340 4,233 1,709 -1,041
EPS in Rs 7.06 8.66 9.20 11.62 14.63 18.38 7.38
Dividend Payout % 17% 18% 19% 17% 16% 15% 27%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:%
5 Years:24.31%
3 Years:29.84%
TTM:46.16%
Compounded Profit Growth
10 Years:%
5 Years:1.19%
3 Years:-12.25%
TTM:-59.63%
Stock Price CAGR
10 Years:-2.59%
5 Years:-26.54%
3 Years:-50.34%
1 Year:-83.42%
Return on Equity
10 Years:%
5 Years:15.31%
3 Years:13.63%
Last Year:6.49%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
359 361 418 421 456 461 463
Reserves 5,449 6,755 11,248 13,342 21,583 25,292 26,424
Borrowings 87,878 95,500 117,379 143,363 181,464 275,582 335,982
5,419 6,390 7,098 8,117 11,556 11,115 17,990
Total Liabilities 99,104 109,005 136,143 165,243 215,060 312,450 380,860
218 277 296 414 612 765 778
CWIP 11 20 26 60 75 72 51
Investments 42,976 40,933 43,193 48,788 49,982 68,293 89,329
55,899 67,775 92,628 115,980 164,391 243,319 290,701
Total Assets 99,104 109,005 136,143 165,243 215,060 312,450 380,860

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
541 4,436 -2,317 -304 4,384 -21,810 -24,573
-6,742 -2,785 -3,591 -4,023 -4,478 -8,738 -6,235
6,681 176 7,574 4,989 11,429 35,748 33,039
Net Cash Flow 480 1,826 1,666 662 11,336 5,199 2,231

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 25% 21% 20% 19% 18% 6%

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