Yes Bank

Yes Bank Ltd.

NSE: YESBANK BSE: 532648 SECTOR: Bank - Private  1180k   6k   2k

16.40
+0.10 (0.61%)
NSE: 02 Jun 03:59 PM

Price Summary

Today's High

₹ 16.5

Today's Low

₹ 16.3

52 Week High

₹ 24.75

52 Week Low

₹ 12.25

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.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 47158.72 Cr.

CASA %

31.12

No. of Shares

2875.53 Cr.

P/E

65.73

P/B

1.19

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  13.84

Net Interest Income

₹ 6497.85 Cr.

Cost To Income %

70.12

Promoter Holding

0 %

EPS (TTM)

₹  0.25

CAR %

17.4

ROE

3.19 %

ROCE

5.42%

Profit Growth

130.8 %

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* 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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Index Presence

The company is present in 21 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
33966.8
  154.400000000001 (0.45663721001763%)

NIFTYALPHA

Nifty Alpha 50
29600.7
  240.549999999999 (0.819307803263936%)

NIFTY500

Nifty 500
15811.2
  50.8500000000004 (0.32264511892186%)

NIFTYMIDCAP150

Nifty Midcap 150
12705.4
  57.4499999999989 (0.454223807020093%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
11754.25
  54.25 (0.463675213675208%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10548.15
  38.75 (0.368717529069218%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10437.3
  39.0499999999993 (0.375543961724323%)

NIFTY200

Nifty 200
9741.4
  29.4499999999989 (0.30323467480784%)

NIFTYTOTALMCAP

Nifty Total Market index
8821.8
  29.6499999999996 (0.337232645029939%)

NIFTYHOUSING

Nifty Housing Index
7952.58
  49.9300000000003 (0.631813379056401%)

MIDCAP

S&P Bse Mid Cap
27294.1
  163.669999999998 (0.603270939679157%)

BSE500

S&P Bse 500
25122.99
  80.5700000000033 (0.321734081610336%)

BSEPVTBANK

S&P Bse Private Bank
16404.06
  33.7900000000009 (0.206410767812626%)

MID150

S&P Bse 150 MidCap
9565.69
  46.6000000000004 (0.489542592831871%)

BSE200

S&P Bse 200
7982.18
  23.9099999999999 (0.300442181529403%)

LMI250

S&P Bse 250 LargeMidCap
7545.15
  22.6599999999999 (0.301230044838885%)

MSL400

S&P Bse 400 MidSmallCap
7262.7
  37.3299999999999 (0.516651742402119%)

ALLCAP

S&P Bse Allcap
7237.51
  24.8500000000004 (0.344533084881316%)

FIN

S&P Bse Finance
9147.35
  22.5 (0.246579395825686%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7500.84
  23.0100000000002 (0.307709589546712%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7772.4
  45.21 (0.585076851999244%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year3.19%
3 Year-25.65%
5 Year-10.55%

ROA%

1 Year0.36%
3 Year-2.03%
5 Year-0.8%

Net NPA%

1 Year4.53%
3 Year5.15%
5 Year3.59%

 NIM

1 Year2.32%
3 Year2.82%
5 Year2.76%

CAR %

17.4

Cost of Liabilities %

4.64952819625894

PEG Ratio

0.5

Advances Growth %

8.48387752991461

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 0 0
Dec 2022 0 0
Sep 2022 0 0
Jun 2022 0 0
Mar 2022 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.4%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -2.02807893274326%
  • Company has a low ROE of -25.647716920089% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 5.14666666666667%.
  • High Cost to income ratio of 70.1246676992623%.
  • The company has delivered poor Profit Growth of -14.7394171416866% over the past 3 years.
  • The company has delivered poor Income growth of -13.7261226631077% over the past 3 years.
  • Poor Advances growth of -9.15612975048111% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Interest Earned 4947.53 5134.85 5474.38 5871.97 6216.24
Other Income 881.69 781.43 919.73 1143.21 1082.27
Interest Expended 3128.05 3284.57 3483.02 3901.35 4110.92
Operating Expenses 1926.94 2041.88 2120.69 2200.2 2298.69
Total Provisions 271.04 174.73 582.81 844.75 617.56
Profit Before Tax 503.19 415.1 207.59 68.88 271.34
Tax 135.73 104.47 54.77 17.36 68.91
Net Profit 367.46 310.63 152.82 51.52 202.43
Net NPA % 4.53 4.17 3.6 1.03 0.83
Gross NPA % 13.93 13.45 12.89 2.02 2.17
Return on Assets % 0.5 0.4 0.2 0.1 0.2
NPM % 7.43 6.05 2.79 0.88 3.26

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 20267.42 29624.75 26066.6 20041.84 19023.51
Other Income 5223.83 4590.15 11856.49 3011.69 3262.47
Interest Expended 12530.36 19815.72 19261.37 12613.23 12525.66
Operating Expenses 5212.78 6264.28 6729.21 5792.02 6844.39
Total Provisions 1553.8 5777.56 32758.43 9383.35 1480.08
Profit Before Tax 6194.31 2357.35 -20825.92 -4735.07 1435.85
Taxes 1969.75 637.07 -4407.89 -1272.85 369.64
Net Profit 4224.56 1720.28 -16418.03 -3462.23 1066.21
Adjusted EPS (Rs.) 18.34 7.43 -13.08 -1.38 0.43

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 460.59 463.01 2510.09 5010.98 5010.99
Total Reserves 25297.69 26441.19 19216.2 28185.35 28722.64
Deposits 200738.15 227610.18 105363.94 162946.64 197191.73
Borrowings 74893.58 108424.11 113790.5 63949.08 72204.58
Other Liabilities 11055.6 17887.68 16946.18 13450.71 15082.03
Total Liabilities 312445.6 380826.17 257826.92 273542.77 318220.23
Assets
Balance with RBI 11425.75 10797.74 5943.66 6812.79 9067.27
Balance with Banks 13308.62 16091.77 2439.35 22495.94 37572.32
Investments 68398.94 89522.03 43914.83 43319.15 51895.56
Advances 203533.86 241499.6 171443.29 166892.99 181051.99
Net Block 760.83 767.02 715.72 2086.65 2009.04
Other Assets 14946.04 22098.02 33076.71 31873.36 36499.96
Total Assets 312445.6 380826.17 257826.92 273542.77 318220.23
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 100.00 100.00 100.00 100.00 100.00
state bank of india 30.00 30.00 30.00 26.14 26.14
life insurance cor... 4.98 4.98 - 4.34 -
housing developmen... 3.99 3.99 3.99 3.48 3.48
icici bank ltd - 2.99 2.99 2.61 -
icici bank limited 2.99 - - - 2.61
bay tree india hol... - - - - -
ca basque investme... - - - 6.43 6.43
verventa holdings ... - - - 6.43 6.43
bay tree india hol... - - - - -
life insurance cor... - - 4.98 - 4.34
life insurance cor... - - - - -
life insurance cor... - - - - -
axis bank limited 1.96 1.96 1.95 1.57 1.57
lici new endowment... - - - - -
kotak mahindra ban... 1.52 1.52 1.52 1.32 1.32
bandhan bank limit... 1.20 1.20 1.18 - -
idfc first bank li... 1.15 1.15 1.15 1.00 1.00
qualified institut... - - - - -
qualified institut... - - - - -
hdfc life insuranc... - - - - -
amansa holdings pr... 1.16 1.20 1.23 1.07 1.00
amansa holding pri... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • ConcallQ4FY22 11 May 2022
  • PresentationQ3FY20 21 Mar 2020
  • PresentationQ1FY21 10 Nov 2020
  • PresentationQ2FY21 10 Nov 2020

Company News

Yes Bank informs about analyst meet 31 May 2023, 5:02PM Yes Bank planning to up ante on marketing31 May 2023, 10:38AM Yes Bank informs about allotment under ESOP18 May 2023, 3:59PM Yes Bank informs about updated investor presentation24 Apr 2023, 9:28AM Yes Bank reports 45% fall in Q4 consolidated net profit 22 Apr 2023, 5:05PM Yes Bank informs about disclosure22 Apr 2023, 4:00PM Yes Bank - Quaterly Results22 Apr 2023, 1:28PM Yes Bank - Quaterly Results22 Apr 2023, 1:28PM Yes Bank - Quaterly Results22 Apr 2023, 1:28PM Yes Bank’s deposits grow 10.6% in Q4FY235 Apr 2023, 11:42AM Yes Bank informs about trading window closure30 Mar 2023, 1:54PM Yes Bank informs about allotment of equity shares16 Mar 2023, 2:41PM Yes Bank informs about disclosure 13 Mar 2023, 9:46AM Yes Bank informs about analyst meet10 Feb 2023, 11:38AM Yes Bank reports 79% fall in Q3 consolidated net profit23 Jan 2023, 2:41PM Yes Bank - Quaterly Results21 Jan 2023, 2:20PM Yes Bank - Quaterly Results21 Jan 2023, 2:20PM Yes Bank - Quaterly Results21 Jan 2023, 2:20PM Yes Bank informs about disclosure21 Jan 2023, 12:03PM Yes Bank informs about analyst meet intimation19 Jan 2023, 2:45PM Yes Bank informs about compliance certificate7 Jan 2023, 11:36AM Yes Bank’s deposits grow 15.9% in Q3FY234 Jan 2023, 2:15PM Yes Bank informs about closure of trading window 30 Dec 2022, 11:45AM Yes Bank concludes assignment of Rs 48,000 crore stressed asset loan portfolio to JC Flowers ARC 19 Dec 2022, 11:27AM Yes Bank informs about disclosure17 Dec 2022, 12:14PM Carlyle, Advent acquire 9.99% stake in Yes Bank14 Dec 2022, 2:15PM Yes Bank informs about disclosure9 Dec 2022, 4:11PM Yes Bank to acquire additional stake in JC Flowers ARC29 Nov 2022, 11:49AM Yes Bank reports 28% fall in Q2 consolidated net profit25 Oct 2022, 4:10PM Yes Bank informs about disclosure22 Oct 2022, 3:34PM Yes Bank - Quaterly Results22 Oct 2022, 1:29PM Yes Bank - Quaterly Results22 Oct 2022, 1:29PM Yes Bank - Quaterly Results22 Oct 2022, 1:29PM Yes Bank informs about press release13 Oct 2022, 9:37AM Yes Bank’s deposits up 13.2% in Q2FY234 Oct 2022, 3:09PM Yes Bank informs about disclosure4 Oct 2022, 12:09PM Yes Bank gets nod to sell stressed assets worth Rs 48000 crore to JC Flowers ARC21 Sep 2022, 11:50AM Yes Bank’s 8.74% shareholding in Jhabua Power stands extinguished19 Sep 2022, 11:47AM Yes Bank signs MoU with GIFT City 7 Sep 2022, 10:50AM Yes Bank informs about update on credit ratings 30 Aug 2022, 10:29AM Yes Bank joins hand with IBSFINtech10 Aug 2022, 3:22PM Moody's upgrades Yes Bank's rating to ‘Ba3’5 Aug 2022, 2:59PM Yes Bank to raise $1.1 billion from Carlyle, Advent International1 Aug 2022, 12:41PM Yes Bank informs about board meeting27 Jul 2022, 1:01PM Yes Bank to raise funds through various modes27 Jul 2022, 10:45AM Yes Bank reports 54% rise in Q1 consolidated net profit25 Jul 2022, 12:37PM Yes Bank informs about appointment of director23 Jul 2022, 2:58PM Yes Bank - Quaterly Results23 Jul 2022, 12:52PM Yes Bank - Quaterly Results23 Jul 2022, 12:52PM Yes Bank - Quaterly Results23 Jul 2022, 12:52PM

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 19023.5113 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -13.7261226631077 % in last 3 Years.

  • In terms of advances, the bank reported 8.48387752991461 % YOY,  rise . If you see 3 years advance growth, it stands at -9.15612975048111 %.

  • Currently the company has a CASA ratio of 31.1167143446542 %. It’s overall cost of liability stands at 4.64952819625894 %. Also, the total deposits from these accounts stood at Rs 197191.7331 Cr.

  • The Bank has a Poor ROA track record. The ROA of Yes Bank is at 0.360351160000551 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 13.93 % and 4.53 % 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 negative at -84.2265306365606 % which means it has decreased 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 surged and is currently at Rs 3262.4693 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.4 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Yes Bank is trading at a P/B of 1.1836 . The historical average PB was 1.69596436908171.

Brief about Yes Bank

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