Yes Bank Ltd.

NSE: YESBANK BSE: 532648 SECTOR: Bank - Private  730k   4k   1k

13.55
-0.05 (-0.37%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 13.65

Today's Low

₹ 13.35

52 Week High

₹ 17.45

52 Week Low

₹ 10.5

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

33949.4 Cr.

CASA %

26.14

No. of Shares

2505.49 Cr.

P/E

0

P/B

1

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  13.52

Net Interest Income

7428.6 Cr.

Cost To Income %

53.78

Promoter Holding

0 %

EPS (TTM)

₹  -1.23

CAR %

17.5

ROE

-12.61 %

ROCE

0.18%

Profit Growth

78.91 %

* 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 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.
* 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

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

 Group Companies

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Ratios

ROE%

1 Year-12.61%
3 Year-24.53%
5 Year-7.47%

ROA%

1 Year-1.3%
3 Year-1.98%
5 Year-0.52%

Net NPA%

1 Year5.88%
3 Year4.26%
5 Year2.84%

 NIM

1 Year3.1%
3 Year2.96%
5 Year2.87%

CAR %

17.5

Cost of Liabilities %

5.55904417715191

PEG Ratio

NA

Advances Growth %

-2.65411401395359

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 0 0
Sep 2021 0 0
Jun 2021 0 0
Mar 2021 0 0
Dec 2020 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 17.5%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -1.98276989905676%
  • CASA Growth of -0.498549799401001% YoY, which is very low.
  • Company has a low ROE of -24.5319937872997% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.25666666666667%.
  • High Cost to income ratio of 53.7825416719355%.
  • The company has delivered poor Profit Growth of -193.581759961653% over the past 3 years.
  • The company has delivered poor Income growth of -0.372397667647983% over the past 3 years.
  • Poor Advances growth of -6.40187616620436% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021
Interest Earned 5321.11 3989.26 4525.42 4652.25 4898.31
Other Income 1087.42 816.04 1056.42 778.05 733.72
Interest Expended 2760.69 3002.58 3123.27 3140.01 3134.33
Operating Expenses 1472.14 1617.84 1538.3 1612.13 1767.02
Total Provisions 2089 5239.59 644.43 377.37 374.64
Profit Before Tax 86.7 -5054.71 275.84 300.79 356.04
Tax -64.01 -1266.96 69 75.29 89.61
Net Profit 150.71 -3787.75 206.84 225.5 266.43
Net NPA % 4.04 5.88 5.78 5.55 5.29
Gross NPA % 15.36 15.41 15.6 14.97 14.65
Return on Assets % 0.2 -5.7 0.3 0.3 0.4
NPM % 2.83 -94.95 4.57 4.85 5.44

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 16424.64 20267.42 29624.75 26066.6 20041.84
Other Income 4156.76 5223.83 4590.15 11856.49 3340.72
Interest Expended 10627.34 12530.36 19815.72 19261.37 12613.23
Operating Expenses 4116.54 5212.78 6264.28 6729.21 5792.02
Total Provisions 793.41 1553.8 5777.56 32758.43 9712.38
Profit Before Tax 5044.12 6194.31 2357.35 -20825.92 -4735.07
Taxes 1714.02 1969.75 637.07 -4407.89 -1272.85
Net Profit 3330.1 4224.56 1720.28 -16418.03 -3462.23
Adjusted EPS (Rs.) 14.59 18.34 7.43 -13.08 -1.38

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 456.49 460.59 463.01 2510.09 5010.98
Total Reserves 21597.57 25297.69 26441.19 19216.2 28185.35
Deposits 142873.86 200738.15 227610.18 105363.94 162946.64
Borrowings 38606.67 74893.58 108424.11 113790.5 63949.08
Other Liabilities 11525.33 11055.6 17887.68 16946.18 13450.71
Total Liabilities 215059.92 312445.6 380826.17 257826.92 273542.77
Assets
Balance with RBI 6952.07 11425.75 10797.74 5943.66 6812.79
Balance with Banks 12597.37 13308.62 16091.77 2439.35 22495.94
Investments 50031.8 68398.94 89522.03 43914.83 43319.15
Advances 132262.68 203533.86 241499.6 171443.29 166892.99
Net Block 608.86 760.83 767.02 715.72 2086.65
Other Assets 12532.46 14946.04 22098.02 33076.71 31873.36
Total Assets 215059.92 312445.6 380826.17 257826.92 273542.77
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 100.00 100.00 100.00 100.00 100.00
state bank of india 30.00 30.00 30.00 30.00 30.00
life insurance cor... - - - - -
housing developmen... 3.99 3.99 3.99 3.99 3.99
icici bank ltd - 3.99 - 2.99 -
icici bank limited 3.99 - 3.99 - 2.99
bay tree india hol... 7.48 - 2.71 - -
qualified institut... 1.60 1.60 - - 6.70
bay tree india hol... - 6.03 - - -
life insurance cor... 4.99 - - - 4.99
lic of india pensi... - - - - -
life insurance cor... - - 4.99 - -
life insurance cor... - 4.99 - - -
axis bank limited 2.39 1.96 1.96 1.96 1.96
lici new endowment... - - - 4.38 -
sbi capital market... - - - - -
kotak mahindra ban... 1.76 1.52 1.52 1.52 1.52
the federal bank l... - - - - -
bandhan bank limit... 1.20 1.20 1.20 1.20 1.20
idfc first bank li... 1.15 1.15 1.15 1.15 1.15
qualified institut... - - 1.58 - -
sbi life insurance... - - - - -
hdfc life insuranc... 1.37 1.37 1.37 1.37 1.33
amansa holdings pr... - - 1.20 1.25 1.19
amansa holding pri... 1.24 1.24 - - -
madhu kapur - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ3FY20 21 Mar 2020
  • PresentationQ1FY21 10 Nov 2020
  • PresentationQ2FY21 10 Nov 2020

Company News

Yes Bank reports 80% rise in Q3 consolidated net profit24 Jan 2022, 10:15AM Yes Bank - Quaterly Results22 Jan 2022, 12:57PM Yes Bank - Quaterly Results22 Jan 2022, 12:57PM Yes Bank pledges to cut greenhouse gas emissions to net zero by 203013 Jan 2022, 4:34PM Yes Bank partners with Manipal Academy of BFSI to launch ‘YES Professional Banker’ program11 Jan 2022, 3:58PM Yes Bank’s deposits up 26% in Q3FY224 Jan 2022, 2:04PM YES Bank informs about updates4 Jan 2022, 10:12AM Yes Bank gets nod to raise Rs 10,000 crore via various modes22 Dec 2021, 9:41AM Yes Bank planning to raise funds through various modes17 Dec 2021, 11:50AM Yes Bank partners with Fintech Meetup to drive fintech innovation at grass root level9 Dec 2021, 12:59PM Yes Bank launches credit cards on Rupay Platform7 Dec 2021, 2:11PM Yes Bank informs about analyst meet30 Nov 2021, 12:45PM Yes Bank informs about analyst meet26 Nov 2021, 10:56AM Yes Bank invokes pledge shares of Asian Hotels North13 Nov 2021, 10:52AM Moody's upgrades Yes Bank's rating to ‘B2’11 Nov 2021, 9:26AM Yes Bank completes transaction for sale of stake in YESAMC, YTL2 Nov 2021, 12:56PM Yes Bank reports 85% rise in Q2 consolidated net profit22 Oct 2021, 4:27PM Yes Bank - Quaterly Results22 Oct 2021, 12:57PM Yes Bank informs about board meeting7 Oct 2021, 9:41AM Yes Bank’s deposits up 30% in Q2FY224 Oct 2021, 12:17PM Yes Bank informs about analyst meet22 Sep 2021, 3:17PM Yes Bank informs about analyst meet15 Sep 2021, 12:11PM Yes Bank informs about update on credit ratings27 Aug 2021, 10:37AM Yes Bank, WheelsEMI enter into strategic co-lending agreement24 Aug 2021, 11:59AM Yes Bank informs about analyst meet20 Aug 2021, 2:24PM Yes Bank informs about schedule of analyst meet4 Aug 2021, 11:27AM Yes Bank inks pact with Indiabulls Housing Finance 29 Jul 2021, 10:28AM Yes Bank reports 6-fold jump in Q1 consolidated net profit24 Jul 2021, 10:23AM Yes Bank’s deposits up 39% in Q1FY225 Jul 2021, 11:19AM Yes Bank informs about updates 5 Jul 2021, 9:50AM Yes Bank informs about disclosure25 Jun 2021, 12:50PM Bay Tree India offloads over 2% stake in Yes Bank16 Jun 2021, 12:15PM Yes bank informs about disclosure16 Jun 2021, 9:53AM Yes Bank gets nod to raise Rs 10,000 crore by issuing debt securities 11 Jun 2021, 10:47AM Yes Bank planning to raise funds in Indian or foreign currency by issuing debt securities 7 Jun 2021, 2:13PM Yes Bank informs about board meeting7 Jun 2021, 11:12AM SAT grants interim stay on Sebi's order against Yes Bank in case of mis-selling AT-1 bonds25 May 2021, 12:28PM Yes Bank invites bids to sell property of E Commerce Magnum Solution15 May 2021, 8:46AM Bay Tree India Holdings offloads over 2% stake in Yes Bank11 May 2021, 12:00PM Yes Bank informs about disclosure11 May 2021, 9:39AM Yes Bank reports consolidated net loss of Rs 3,791 crore in Q41 May 2021, 9:30AM Sebi imposes fine on Yes Bank in AT-1 bonds case13 Apr 2021, 9:44AM Yes Bank’s deposits up 55% in Q4FY215 Apr 2021, 11:20AM Yes Bank informs about analyst meet24 Mar 2021, 11:01AM Yes Bank, Max Life Insurance complete 16 years of strategic bancassurance partnership 9 Mar 2021, 12:02PM Yes Bank launches women-centric 'Yes Essence' services9 Mar 2021, 9:48AM Yes Bank ties up with PNB Housing Finance6 Mar 2021, 9:41AM Yes Bank informs about minutes of postal ballot results3 Mar 2021, 4:26PM Yes Bank gets shareholders’ nod for raising Rs 10,000 crore capital3 Mar 2021, 12:32PM YES Bank informs about interest payment of NCDs24 Feb 2021, 3:52PM

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 20041.8353 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -0.372397667647983 % in last 3 Years.

  • In terms of advances, the bank reported -2.65411401395359 % YOY,  fall . If you see 3 years advance growth, it stands at -6.40187616620436 %.

  • Currently the company has a CASA ratio of 26.1356430700356 %. It’s overall cost of liability stands at 5.55904417715191 %. Also, the total deposits from these accounts stood at Rs 162946.6422 Cr.

  • The Bank has a Poor ROA track record. The ROA of Yes Bank is at -1.30313289579406 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 15.41 % and 5.88 % 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 -70.3515099401808 % 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 decreased and is currently at Rs 3340.7206 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.5 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Yes Bank is trading at a P/B of 0.9926 . The historical average PB was 2.15468227296691.

Brief about Yes Bank

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