Yes Bank Ltd logo

Yes Bank Ltd

YESBANK NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹71,780 Cr
Volatility
Moderate
P/E Ratio
19.05
EBITDA
₹5,221 Cr
Return on Equity
6.86%
Debt to Equity
0
Book Value
₹16.71
EPS
₹0.46
52W High
₹25.78
52W Low
₹17.2

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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57 extracted metrics + investor summaries across FY14–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 24.6% CAGR over last 5 years

Weaknesses

7
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.55% over past five years.
  • Company has a low return on equity of 5.33% over last 3 years.
  • Contingent liabilities of Rs.12,24,826 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.7,130 Cr.

Growth Rate

Revenue Growth
0.59%
Net Income Growth
43.55%
Cash Flow Change
232.22%
ROE
34.25%
ROCE
-10.25%
EBITDA Margin (Avg.)
-0.75%

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk high

Yes Bank trades at a market cap of Rs.70,963 Cr with a P/E of 18.9x and P/B of 1.36x. The bank has shown strong profit growth (69% CAGR over 3 years) but carries significant contingent liabilities of Rs.12,24,826 Cr and a low 3-year average ROE of approximately 5%.

Bull Case 7
  • Compounded profit growth of 69% CAGR over 3 years indicates a sharp earnings recovery trajectory
  • TTM profit growth of 38% shows continued momentum in bottom-line expansion
  • P/B ratio of 1.36x is relatively modest for a recovering bank, suggesting valuations are not excessively stretched
  • ROE has improved from 4% (5-year average) to 7% in the last year, indicating improving return profile
  • Stock CAGR of 22% over 1 year reflects improving market confidence in the turnaround story
  • 5-year profit CAGR of 25% confirms sustained earnings normalization post the 2020 restructuring
  • P/E of 18.9x is reasonable relative to the high earnings growth rate being delivered
Bear Case 8
  • Contingent liabilities of Rs.12,24,826 Cr are extraordinarily large relative to the Rs.70,963 Cr market cap, posing material tail risk
  • 3-year average ROE of just 5% remains well below the banking sector average of 12-15%, indicating poor capital efficiency
  • Zero dividend payout despite reporting repeated profits suggests management lacks confidence in sustainable earnings or needs to retain capital
  • Sales growth of just 8.55% over 5 years is weak for a mid-sized bank in a growing economy
  • Low interest coverage ratio signals vulnerability to asset quality deterioration or rate environment changes
  • Other income of Rs.7,130 Cr forms a significant portion of earnings, raising questions about core operating income quality
  • 10-year stock CAGR of -22% reflects the massive value destruction from the 2020 crisis that shareholders have not recovered from
  • 10-year ROE averaging 0% underscores the prolonged period of negligible shareholder value creation

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 3h ago
Positives 2
  • FY26 net profit up 44.5% Jul 27

    YES Bank reported net profit of ₹3,476 crore for FY26, a 44.5% YoY growth, with RoA reaching 1.0% in Q4 FY26.

  • Q1FY27 profit rises 34% YoY Jul 18

    Standalone net profit rose 34% YoY to ₹1,070.99 crore in Q1FY27. Asset quality remained stable with gross NPA at 1.3%.

Neutral 3
  • $850m MTN programme approved Aug 15

    Yes Bank secured a no comments letter from India INX and NSE IX for its $850 million medium term note programme, submitted on August 12, 2026.

  • Participation at Emkay Confluence Aug 6

    Yes Bank will hold group and one-on-one meetings with institutional investors and analysts at Emkay Confluence 2026 in Mumbai from August 12-14.

  • 22nd AGM scheduled Aug 19 Jul 26

    Yes Bank scheduled its 22nd AGM for August 19, 2026, with electronic voting open from August 16 to August 18 via KFin Technologies.

TL;DR: Yes Bank is delivering strong earnings momentum with 44.5% profit growth in FY26 and continued 34% YoY growth in Q1FY27, while maintaining stable asset quality at 1.3% gross NPA. The $850m MTN programme signals confidence in tapping international debt markets. No material headwinds are visible in recent news flow, and the profitability trend is clearly improving with RoA hitting the 1.0% milestone.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
6,445
6,714
6,989
7,458
7,725
7,737
7,833
7,623
7,605
7,389
7,553
7,662
8,054
Expenses
2,726
2,883
2,948
3,340
2,820
2,984
2,969
3,080
3,110
3,129
2,961
2,999
3,345
Financing Profit
-730
-962
-934
-1,191
-580
-791
-753
-809
-740
-833
-501
-366
-559
Fin. Margin %
-11%
-14%
-13%
-16%
-8%
-10%
-10%
-11%
-10%
-11%
-7%
-5%
-7%
Other Income
1,192
1,267
1,255
1,642
1,271
1,488
1,583
1,815
1,825
1,724
1,720
1,816
1,870
Interest
4,449
4,794
4,975
5,309
5,486
5,544
5,617
5,352
5,235
5,093
5,093
5,030
5,269
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
462
304
320
451
691
697
830
1,006
1,085
891
1,218
1,449
1,311
Tax %
25%
25%
24%
-4%
25%
19%
25%
26%
25%
25%
21%
25%
18%
Net Profit
347
229
243
467
516
567
619
745
809
664
957
1,082
1,072
EPS in Rs
0.12
0.08
0.08
0.16
0.16
0.18
0.2
0.24
0.26
0.21
0.3
0.34
0.34
Gross NPA %
2%
2%
2%
1.7%
1.7%
1.6%
1.6%
1.6%
1.6%
1.6%
1.5%
1.3%
1.3%
Net NPA %
1%
0.9%
0.9%
0.6%
0.5%
0.5%
0.5%
0.3%
0.3%
0.3%
0.3%
0.2%
0.2%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
11,572
13,533
16,425
20,269
29,624
26,052
20,039
19,019
22,702
27,606
30,919
30,208
30,658
Expenses
2,548
3,429
4,790
6,595
11,834
39,246
14,937
8,058
10,371
11,350
11,360
11,621
12,434
Financing Profit
940
1,139
1,008
1,144
-2,021
-32,452
-7,509
-1,568
-2,468
-3,272
-2,439
-1,863
-2,260
Fin. Margin %
8%
8%
6%
6%
-7%
-125%
-37%
-8%
-11%
-12%
-8%
-6%
-7%
Other Income
2,048
2,729
4,218
5,293
4,675
11,956
3,107
3,405
3,883
5,355
6,157
7,084
7,130
Interest
8,083
8,965
10,627
12,529
19,811
19,258
12,611
12,528
14,800
19,527
21,998
20,450
20,484
Depreciation
86
112
173
232
305
342
360
403
433
546
493
578
0
PBT
2,902
3,756
5,053
6,205
2,349
-20,838
-4,762
1,434
981
1,538
3,224
4,643
4,870
Tax %
31%
33%
34%
32%
27%
-21%
-27%
26%
25%
16%
24%
24%
Net Profit
1,997
2,530
3,340
4,233
1,709
-16,433
-3,489
1,064
736
1,285
2,447
3,512
3,775
EPS in Rs
9.56
12.03
14.63
18.38
7.38
-13.09
-1.39
0.42
0.26
0.45
0.78
1.12
1.19
Div. Payout %
19%
17%
16%
15%
27%
0%
0%
0%
0%
0%
0%
0%
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
418
421
456
461
463
2,510
5,011
5,011
5,751
5,754
6,271
6,276
Reserves
11,248
13,342
21,583
25,292
26,424
19,185
28,127
28,688
34,967
36,402
41,562
44,882
Borrowing
26,220
31,659
38,607
74,894
1,08,424
1,13,790
63,949
72,340
77,754
80,508
71,971
65,451
Deposits
91,159
1,11,704
1,42,857
2,00,689
2,27,558
1,05,311
1,62,846
1,97,063
2,17,382
2,66,230
2,84,420
3,18,969
Other Liabilities
7,098
8,117
11,556
11,115
17,990
17,036
13,660
15,476
19,350
17,469
19,892
34,626
Total Liabilities
1,36,143
1,65,243
2,15,060
3,12,450
3,80,860
2,57,832
2,73,593
3,18,578
3,55,204
4,06,362
4,24,116
4,70,204
Fixed Assets
296
414
612
765
778
730
2,096
2,016
2,156
2,509
2,872
3,097
CWIP
26
60
75
72
51
294
63
125
296
357
206
101
Investments
43,193
48,788
49,982
68,293
89,329
43,748
43,115
51,754
76,749
89,997
84,725
87,755
Other Assets
92,628
1,15,980
1,64,391
2,43,319
2,90,701
2,13,061
2,28,320
2,64,683
2,76,003
3,13,499
3,36,313
3,79,251
Total Assets
1,36,143
1,65,243
2,15,060
3,12,450
3,80,860
2,57,832
2,73,593
3,18,578
3,55,204
4,06,362
4,24,116
4,70,204
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-2,317
-304
4,384
-21,810
-24,573
-57,721
55,396
23,598
-25,816
9,645
6,386
21,217
Investing
-3,591
-4,023
-4,478
-8,738
-6,235
14,128
441
-14,566
-13,026
-12,453
8,514
-4,952
Financing
7,574
4,989
11,429
35,748
33,039
25,038
-34,942
8,391
11,450
2,771
-5,651
-6,485
Net Cash Flow
1,666
662
11,336
5,199
2,231
-18,555
20,895
17,423
-27,392
-38
9,249
9,780
Free Cash Flow
-2,428
-569
3,999
-22,195
-24,871
-58,256
55,137
23,199
-26,555
8,683
5,665
20,515
CFO/OP
-14
10
54
-143
-123
433
1,101
216
-209
62
33
109
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
21%
20%
19%
18%
6%
-68%
-13%
3%
2%
3%
5%
7%

Shareholding Pattern

As of Jun 2026
FIIs 46.12%
Public 25.58%
DIIs 24.05%
Others 4.25%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Apr 2024May 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
12.85%
12.85%
12.85%
23.40%
12.85%
22.01%
25.40%
28.42%
27.07%
27.00%
26.74%
26.87%
24.95%
44.95%
45.73%
46.42%
46.12%
DIIs
45.11%
45.52%
39.89%
38.83%
38.74%
38.61%
43.88%
38.42%
38.00%
37.95%
40.91%
41.97%
41.73%
39.93%
38.30%
38.32%
38.40%
38.84%
39.53%
40.27%
20.80%
21.14%
21.82%
24.05%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
29.12%
32.32%
35.28%
35.24%
34.20%
34.10%
33.53%
29.12%
29.88%
29.31%
29.74%
29.48%
31.87%
30.34%
29.13%
30.17%
29.98%
29.99%
29.29%
30.22%
29.80%
28.73%
27.53%
25.58%
Others
25.76%
22.17%
24.83%
25.93%
27.06%
27.29%
22.59%
19.60%
19.26%
19.89%
5.95%
15.70%
4.39%
4.32%
4.15%
4.44%
4.62%
4.43%
4.31%
4.56%
4.44%
4.40%
4.23%
4.25%
No. of Shareholders
35,55,940
38,01,650
39,77,240
41,94,150
43,61,340
44,75,220
45,47,530
45,57,340
50,57,390
49,04,800
48,88,440
49,94,640
61,54,890
62,05,870
62,28,280
63,01,440
62,47,740
62,83,710
63,27,640
63,55,940
62,57,300
61,04,670
60,08,060
58,44,170

Documents

Frequently Asked Questions about Yes Bank Ltd

What does Yes Bank Ltd do?
Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]
Where is Yes Bank Ltd (YESBANK) listed?
Yes Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: YESBANK and BSE: 532648. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Yes Bank Ltd belong to?
Yes Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Yes Bank Ltd?
Yes Bank Ltd has a market capitalisation of approximately ₹71779.52 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Yes Bank Ltd?
The Price-to-Earnings (PE) ratio of Yes Bank Ltd is 19.05. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Yes Bank Ltd?
Over the past 52 weeks, Yes Bank Ltd has traded between a low of ₹17.2 and a high of ₹25.78. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Yes Bank Ltd?
Yes Bank Ltd has a Return on Equity (ROE) of 6.86%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Yes Bank Ltd on Tapetide?
On Tapetide, you can view Yes Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Incorporated in 2003, Yes Bank Ltd is engaged in providing a wide range of banking and financial services[1]

Website yesbank.in
CEO Mr. Prashant Kumar
Employees 28,690
Listed 2005-07-12
Face Value ₹ 2
Issued Size 31,37,84,43,140

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