Yes Bank Ltd.

NSE: YESBANK BSE: 532648 SECTOR: Bank - Private

13.05
-0.25 (-1.88%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 13.4

Today's Low

₹ 13

52 Week High

₹ 20.75

52 Week Low

₹ 11.1

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

32696.65 Cr.

CASA %

26.63

No. of Shares

2505.49 Cr.

P/E

0

P/B

0.98

Face Value

₹ 2

Div. Yield

0%

Book Value (TTM)

₹  13.32

Net Interest Income

6805.23 Cr.

Cost To Income %

36.06

Promoter Holding

0%

EPS (TTM)

₹  -1.32

CAR %

8.5%

ROE

-67.52 %

ROCE

-10.02 %

Profit Growth

-1054.38 %

* 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.

Peer Comparison

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

 Group Companies

Ratios

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

0.04

Advances Growth %

-29.0088709893462

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 0 0
Mar 2021 0 0
Dec 2020 0 0
Sep 2020 0 0
Jun 2020 0 0
* 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 1.84% QoQ
  • 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 -6.4281777173611% 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 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 5486.08 5245.39 5321.11 3989.26 4525.42
Other Income 620.66 706.75 1197.26 816.04 1056.42
Interest Expended 3577.94 3272.02 2760.69 3002.58 3123.27
Operating Expenses 1381.95 1320.1 1472.14 1617.84 1538.3
Total Provisions 1086.61 1187.34 2198.84 5239.59 644.43
Profit Before Tax 60.24 172.69 86.7 -5054.71 275.84
Tax 14.8 43.32 -64.01 -1266.96 69
Net Profit 45.44 129.37 150.71 -3787.75 206.84
Net NPA % 4.96 4.71 4.04 5.88 5.78
Gross NPA % 17.3 16.9 15.36 15.41 15.6
Return on Assets % 0.1 0.2 0.2 -5.7 0.3
NPM % 0.83 2.47 2.83 -94.95 4.57

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

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Promoters 0 0 0 0 0
madhu kapur 0 0 0 0 0
mags finvest pvt ltd 0 0 0 0 0
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 29.23 39.56 37.65 39.52 42.45
housing development finan... 7.97 3.99 3.99 3.99 0
kotak mahindra bank ltd 3.51 1.76 1.76 1.52 0
kotak mahindra bank ltd 3.51 1.76 1.76 1.52 0
madhu kapur 1.1 0 0 0 0
sbi capital markets limit... 0 4.2 0 0 0
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 70.77 60.44 62.35 60.48 57.55
life insurance corporatio... 1.64 0 0 0 0
axis bank limited 4.78 2.39 2.39 1.96 1.96
bandhan bank limited 2.39 1.2 1.2 1.2 1.2
icici bank ltd 0 0 0 3.99 0
idfc first bank limited 1.64 1.15 1.15 1.15 1.15
life insurance corporatio... 0 0 4.99 0 0
state bank of india 48.21 30 30 30 30
the federal bank ltd 1.89 0 0 0 0
icici bank limited 7.97 3.99 3.99 0 3.99
amansa holdings private l... 0 1.24 0 0 1.2
bay tree india holdings i... 0 7.48 7.48 0 2.71
hdfc life insurance compa... 0 1.37 1.37 1.37 1.37
lic of india pension plus... 0 4.99 0 0 0
sbi life insurance co. lt... 0 1.54 0 0 0
amansa holding private li... 0 0 1.24 1.24 0
qualified institutional b... 0 0 1.6 1.6 0
bay tree india holdings l... 0 0 0 6.03 0
life insurance corporatti... 0 0 0 4.99 0
housing development finan... 0 0 0 0 3.99
kotak mahindra bank ltd 0 0 0 0 1.52
life insurance corporatio... 0 0 0 0 4.99
qualified institutional b... 0 0 0 0 1.58

Ratings & Research Reports

Company Presentations

Company News

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 turns black in Q3FY2123 Jan 2021, 8:56AM Yes Bank planning to raise funds through various modes18 Jan 2021, 3:45PM Yes Bank’s deposits up 7.7% in October- December quarter4 Jan 2021, 4:45PM Yes Bank sells 2.56% stake in SICAL logistics14 Dec 2020, 10:45AM Yes Bank aims to double credit card customer base in next two years14 Dec 2020, 9:27AM Brickwork Ratings upgrades rating of Yes Bank’s Perpetual Bonds9 Dec 2020, 12:14PM Yes Bank takes office space on lease in Noida from Max group3 Dec 2020, 2:13PM Yes Bank eyeing to disburse retail, MSME loans of Rs 10,000 crore in December quarter2 Dec 2020, 9:05AM Yes Bank launches co-branded prepaid card in partnership with Neokred Technologies18 Nov 2020, 10:32AM CARE upgrades rating on Yes Bank’s various debt instruments11 Nov 2020, 11:42AM Yes Bank turns black in Q2 24 Oct 2020, 10:15AM Yes Bank offers discounts on credit card purchases, loans at competitive rates22 Oct 2020, 9:31AM Yes Bank’s deposits up 15.7% in July-September quarter5 Oct 2020, 11:05AM Yes Bank enters into MoU with BSE 29 Sep 2020, 9:15AM Yes Bank enters into corporate agency arrangement with HDFC Life23 Sep 2020, 9:25AM Yes Bank, SBI Life Insurance sign bancassurance pact22 Sep 2020, 11:29AM Yes Bank signs agreement with SBI General Insurance 17 Sep 2020, 9:26AM Yes Bank repays entire Rs 50,000 crore SLF dues to RBI 11 Sep 2020, 9:25AM CRISIL upgrades Yes Bank's certificates of deposit from 'A2' to 'A2+'28 Aug 2020, 11:48AM Yes Bank divests over 8% stake in CG Power19 Aug 2020, 12:36PM Moody’s upgrades Yes Bank’s rating to B34 Aug 2020, 11:10AM Yes Bank takes possession of headquarter of Anil Ambani's group30 Jul 2020, 1:58PM Yes Bank reports 64% fall in Q1 consolidated net profit29 Jul 2020, 3:10PM Yes Bank’s Rs 15,000 crore FPO opens for subscription15 Jul 2020, 1:51PM Yes Bank sets floor price of Rs 12 per share for FPO10 Jul 2020, 2:00PM Yes Bank puts up for auction two aircraft of Ligare Voyages9 Jul 2020, 12:27PM Yes Bank to raise up to Rs 15,000 crore through FPO9 Jul 2020, 11:19AM

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 surged and is currently at Rs 11856.4938 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 0.9788 . The historical average PB was 2.44662658136266.

Brief about Yes Bank

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