Yes Bank Ltd.

SECTOR: Bank - Private

24.9
₹ 0.1 (0.4%)
Today's High: 25.5 Today's Low : 24.55
52 Week High: 275.00 52 Week Low : 5.55
 FinStar
FinStar Indicates the overall health and quality of a stock based on Finology Research.
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

31250.67585519 Cr.

P/E

0

P/B

1.63

Face Value

₹2

Div. Yield

0.73%

Book Value (TTM)

15.3216

CASA %

33.0623706456155

Net Interest Income

9809.031 Cr.

Cost To Income %

43.5

Promoter Holding

8.33%

EPS (TTM)

-16.3765

CAR %

16.5

ROE

6.53 %

ROCE

7.19 %

Profit Growth

-59.28 %

No. of Shares

1255.0472231 Cr.

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

 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 Year6.53%
3 Year14.26%
5 Year16.81%

 ROA%

1 Year0.5%
3 Year1.28%
5 Year1.43%

 Net NPA%

1 Year1.86%
3 Year1.1%
5 Year0.74%

 NIM

1 Year2.74%
3 Year2.74%
5 Year2.78%

 CAR %

16.5

 Cost of Liabilities %

5.9

 PEG Ratio

0.03

 Advances Growth %

18.65

 Share Holding Pattern

 Promoter Pledging %

Date Promoter % Pledge %
Dec 2019 8.33 2.59
Sep 2019 13.05 35.05
Jun 2019 19.78 3.64
Mar 2019 19.8 3.64
Dec 2018 19.82 3.64
* Figures given above are % of equity capital

 Strengths

  • Good Capital Adequacy Ratio of 16.5%.
  • The company has delivered good Income growth of 29.8417401166588% over the past 3 years.
  • Strong Advances growth of 34.9751059484483% in the last 3 years.

 Limitations

  • Net NPA has increased by 1.62 QoQ
  • Net NPA has increased by 1.22% YoY
  • CASA Growth of -3.39117678872668% YoY, which is very low.
  • The company has delivered poor Profit Growth of -12.1746454880964% over the past 3 years.
  • Increase in Provision and contingencies of 271.833494979737% on YoY.

 Quarterly Result (All Figures are in Crores.)

Particulars Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Interest Earned 7958.94 7856.54 7816.14 7386.28 5642.84
Other Income 890.87 531.69 1272.66 945.93 625.66
Interest Expended 5292.53 5350.61 5535.3 5200.37 4578.06
Operating Expenses 1566.92 1714.23 1594.41 1673.4 1696.86
Total Provisions 550.23 3661.7 1784.11 1336.25 24765.73
Profit Before Tax 1440.13 -2338.31 174.98 122.19 -24772.15
Net Profit 1001.85 -1506.64 113.76 -600.08 -18560.31
Net NPA % 1.18 1.86 2.91 4.35 5.97
Gross NPA % 2.1 3.22 5.01 7.39 18.87
Return on Assets % 1.1 -1.6 0.1 -0.7 -23.3
NPM % 12.59 -19.18 1.46 -8.12 -328.92

 Profit & Loss (All Figures are in Crores except Adjusted EPS in Rs.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Interest Earned 11572.01 13533.44 16424.64 20267.42 29624.75
Other Income 2046.46 2712.15 4156.76 5223.83 4590.15
Interest Expended 8084.17 8966.72 10627.34 12530.36 19815.72
Operating Expenses 2284.71 2976.37 4116.54 5212.78 6264.28
Total Provisions 339.48 536.3 793.41 1553.8 5777.56
Profit Before Tax 2910.11 3766.2 5044.12 6194.31 2357.35
Taxes 904.75 1226.75 1714.02 1969.75 637.07
Net Profit 2005.36 2539.45 3330.1 4224.56 1720.28
Adjusted EPS 10 12 15 18 7

 Balance Sheet (All Figures are in Crores.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity and Liabilities
Share Capital 417.74 420.53 456.49 460.59 463.01
Total Reserves 11262.25 13366.07 21597.57 25297.69 26441.19
Deposits 91175.85 111719.53 142873.86 200738.15 227610.18
Borrowings 26220.4 31658.98 38606.67 74893.58 108424.11
Other Liabilities 7094.18 8098.3 11525.33 11055.6 17887.68
Total Liabilities 136170.41 165263.41 215059.92 312445.6 380826.17
Assets
Balance with RBI 5240.65 5776.16 6952.07 11425.75 10797.74
Balance with Banks 2316.5 2442.26 12597.37 13308.62 16091.78
Investments 43228.49 48838.47 50031.8 68398.94 89522.03
Advances 75549.82 98209.93 132262.68 203533.86 241499.6
Net Block 293.4 411.95 608.86 760.83 767.02
Other Assets 9515.98 9525.88 12532.46 14946.04 22098.02
Total Assets 136170.41 165263.41 215059.92 312445.6 380826.17
* Other Non-current Liabilities include Net deferred Liabilities

 Corporate Actions

 Ratings & Research Reports

 Company Presentations

 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 29624.747 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 29.8417401166588 % in last 3 Years.

  • In terms of advances, the bank reported 18.65 % YOY,  rise . If you see 3 years advance growth, it stands at 34.9751059484483 %.

  • Currently the company has a CASA ratio of 33.0623705867977 %. It’s overall cost of liability stands at 5.89693270848087 %. Also, the total deposits from these accounts stood at Rs 227610.182 Cr.

  • The Bank has a healthy ROA track record. The ROA of Yes Bank is at 0.496278336337223 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.22 % and 1.86 % 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 271.833494979737 % 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 4590.1526 Cr.

  • The company has a Good Capital Adequacy Ratio of 16.5 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Yes Bank is trading at a P/B of 2.36673054375336 . The historical average PB was 2.774.

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