Yes Bank Ltd.

NSE: YESBANK  SECTOR: Bank - Private

13.35
+0.63 (4.95%)

Price Summary

Today's High

₹ 13.35

Today's Low

₹ 12.65

52 Week High

₹ 87.95

52 Week Low

₹ 5.55

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

33448.299484635 Cr.

CASA %

26.6341928694366

No. of Shares

2505.4905981 Cr.

P/E

0

P/B

1.38

Face Value

₹ 2

Div. Yield

0%

Book Value (TTM)

₹  9.6878

Net Interest Income

6805.2314 Cr.

Cost To Income %

36.0588923472091

Promoter Holding

1.42%

EPS (TTM)

₹  -9.0933

CAR %

8.5%

ROE

-67.5215532530408 %

ROCE

-10.0203595633651 %

Profit Growth

-62.9849253204787 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year-67.52%
3 Year-14.44%
5 Year-0.96%

ROA%

1 Year-5.14%
3 Year-1.01%
5 Year0.08%

Net NPA%

1 Year5.03%
3 Year2.51%
5 Year1.73%

 NIM

1 Year3.04%
3 Year2.8%
5 Year2.84%

CAR %

8.5

Cost of Liabilities %

8.78894900448426

PEG Ratio

0.01

Advances Growth %

-29.0088709893462

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 1.42 1.69
Dec 2019 8.33 2.59
Sep 2019 13.05 35.05
Jun 2019 19.78 3.64
Mar 2019 19.8 3.64
* Figures given above are % of equity capital

 Strengths

  • Other Income is 45.4853798580183% of total income.
  • Cost to Income ratio stands at 36.0588923472091 %

 Limitations

  • Net NPA has increased by 3.17% YoY
  • The bank has a very low ROA track record. Average ROA of 3 years is -1.01448775089191%
  • CASA Growth of -6.42817771736113% YoY, which is very low.
  • Company has a low ROE of -14.4389640178724% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.51%.
  • The company has very low Capital Adequacy Ratio of 8.5%.
  • The company has delivered poor Profit Growth of -270.198118683138% over the past 3 years.
  • Increase in Provision and contingencies of 466.9943327107% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 7386.28 5642.84 5221.34 5486.08 5245.39
Other Income 945.93 625.66 597.25 620.66 706.75
Interest Expended 5200.37 4578.06 3947.64 3577.94 3272.02
Operating Expenses 1673.4 1696.86 1764.54 1381.95 1320.1
Total Provisions 1336.25 24765.73 4872.34 1086.61 1187.34
Profit Before Tax 122.19 -24772.15 -4765.93 60.24 172.69
Tax 722.27 -6211.84 -1097.6 14.8 43.32
Net Profit -600.08 -18560.31 -3668.33 45.44 129.37
Net NPA % 4.35 5.97 5.03 4.96 4.71
Gross NPA % 7.39 18.87 16.8 17.3 16.9
Return on Assets % -0.7 -23.3 3.8 0.1 0.2
NPM % -8.12 -328.92 -70.26 0.83 2.47

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 13533.44 16424.64 20267.42 29624.75 26066.6
Other Income 2712.15 4156.76 5223.83 4590.15 11856.49
Interest Expended 8966.72 10627.34 12530.36 19815.72 19261.37
Operating Expenses 2976.37 4116.54 5212.78 6264.28 6729.21
Total Provisions 536.3 793.41 1553.8 5777.56 32758.43
Profit Before Tax 3766.2 5044.12 6194.31 2357.35 -20825.92
Taxes 1226.75 1714.02 1969.75 637.07 -4407.89
Net Profit 2539.45 3330.1 4224.56 1720.28 -16418.03
Adjusted EPS (Rs.) 12.08 14.59 18.34 7.43 -13.08

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 420.53 456.49 460.59 463.01 2510.09
Total Reserves 13366.07 21597.57 25297.69 26441.19 19216.2
Deposits 111719.53 142873.86 200738.15 227610.18 105363.94
Borrowings 31658.98 38606.67 74893.58 108424.11 113790.5
Other Liabilities 8098.3 11525.33 11055.6 17887.68 16946.18
Total Liabilities 165263.41 215059.92 312445.6 380826.17 257826.92
Assets
Balance with RBI 5776.16 6952.07 11425.75 10797.74 5943.66
Balance with Banks 2442.26 12597.37 13308.62 16091.77 2439.35
Investments 48838.47 50031.8 68398.94 89522.03 43914.83
Advances 98209.93 132262.68 203533.86 241499.6 171443.29
Net Block 411.95 608.86 760.83 767.02 715.72
Other Assets 9525.88 12532.46 14946.04 22098.02 33076.71
Total Assets 165263.41 215059.92 312445.6 380826.17 257826.92
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company News

Yes Bank Stock Price Analysis and Quick Research Report. Is Yes Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Yes Bank is performing and if it is the right time to buy the stock of Yes Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Yes Bank has earned Rs 26066.6039 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 16.6439352597351 % in last 3 Years.

  • In terms of advances, the bank reported -29.0088709893462 % YOY,  fall . If you see 3 years advance growth, it stands at 9.0337791011871 %.

  • Currently the company has a CASA ratio of 26.6341928694366 %. It’s overall cost of liability stands at 8.78894900448426 %. Also, the total deposits from these accounts stood at Rs 105363.9434 Cr.

  • The Bank has a Poor ROA track record. The ROA of Yes Bank is at -5.14145513771343 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 16.8 % and 5.03 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 466.9943327107 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Yes Bank decreased and is currently at Rs 118.564938 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 8.5 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Yes Bank is trading at a P/B of 1.37802184190425 . The historical average PB was 2.44662658136266.

Brief about Yes Bank

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