Yes Bank Limited Logo

Yes Bank Limited

YESBANK.NS

(1.8)
Stock Price

19,31 INR

0.36% ROA

3.4% ROE

46.51x PER

Market Cap.

675.212.226.000,00 INR

176.53% DER

0% Yield

5.92% NPM

Yes Bank Limited Stock Analysis

Yes Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Yes Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 ROE

The stock's ROE falls within an average range (2.13%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.23%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.41x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (121), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

7 DER

The stock is burdened with a heavy load of debt (172%), making it financially unstable and potentially risky for investors.

8 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Yes Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Yes Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Yes Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Yes Bank Limited Revenue
Year Revenue Growth
2004 363.202.000
2005 1.852.331.000 80.39%
2006 3.659.297.000 49.38%
2007 6.912.565.000 47.06%
2008 9.463.575.000 26.96%
2009 13.640.764.000 30.62%
2010 18.702.008.000 27.06%
2011 24.581.762.000 23.92%
2012 35.203.135.000 30.17%
2013 43.524.692.000 19.12%
2014 56.000.569.000 22.28%
2015 72.948.263.000 23.23%
2016 99.640.405.000 26.79%
2017 127.736.604.000 22%
2018 138.051.091.000 7.47%
2019 38.931.506.000 -254.6%
2020 89.651.399.000 56.57%
2021 91.172.932.000 1.67%
2022 120.270.000.000 24.19%
2023 125.402.800.000 4.09%
2023 329.608.900.000 61.95%
2024 359.850.800.000 8.4%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Yes Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Yes Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 20.637.000
2005 27.246.000 24.26%
2006 462.595.000 94.11%
2007 861.549.000 46.31%
2008 1.125.982.000 23.48%
2009 1.291.617.000 12.82%
2010 6.417.000 -20028.05%
2011 17.207.000 62.71%
2012 26.217.000 34.37%
2013 28.839.000 9.09%
2014 20.554.000 -40.31%
2015 32.785.000 37.31%
2016 51.408.000 36.23%
2017 76.857.000 33.11%
2018 116.160.000 33.84%
2019 196.847.000 40.99%
2020 230.037.000 14.43%
2021 437.745.000 47.45%
2022 577.425.000 24.19%
2023 0 0%
2023 1.571.222.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Yes Bank Limited EBITDA
Year EBITDA Growth
2004 99.439.000
2005 1.683.274.000 94.09%
2006 5.278.319.000 68.11%
2007 11.994.994.000 56%
2008 18.439.350.000 34.95%
2009 21.161.895.000 12.87%
2010 35.881.944.000 41.02%
2011 61.825.561.000 41.96%
2012 80.526.479.000 23.22%
2013 96.479.156.000 16.53%
2014 110.719.270.000 12.86%
2015 128.333.736.000 13.73%
2016 158.526.052.000 19.05%
2017 189.663.233.000 16.42%
2018 23.490.051.000 -707.42%
2019 -120.269.675.000 119.53%
2020 -22.160.808.000 -442.71%
2021 14.336.894.000 254.57%
2022 9.813.286.000 -46.1%
2023 12.038.000.000 18.48%
2023 5.455.500.000 -120.66%
2024 173.104 -3151473.62%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Yes Bank Limited Gross Profit
Year Gross Profit Growth
2004 363.202.000
2005 1.852.331.000 80.39%
2006 3.659.297.000 49.38%
2007 6.912.565.000 47.06%
2008 9.463.575.000 26.96%
2009 13.640.764.000 30.62%
2010 18.702.008.000 27.06%
2011 24.581.762.000 23.92%
2012 35.203.135.000 30.17%
2013 43.524.692.000 19.12%
2014 56.000.569.000 22.28%
2015 72.948.263.000 23.23%
2016 99.640.405.000 26.79%
2017 127.736.604.000 22%
2018 138.051.091.000 7.47%
2019 38.931.506.000 -254.6%
2020 89.651.399.000 56.57%
2021 91.172.932.000 1.67%
2022 120.270.000.000 24.19%
2023 125.402.800.000 4.09%
2023 329.608.900.000 61.95%
2024 359.850.800.000 8.4%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Yes Bank Limited Net Profit
Year Net Profit Growth
2004 -37.587.000
2005 553.245.000 106.79%
2006 943.651.000 41.37%
2007 2.000.243.000 52.82%
2008 3.038.420.000 34.17%
2009 4.777.393.000 36.4%
2010 7.271.378.000 34.3%
2011 9.769.984.000 25.57%
2012 13.006.807.000 24.89%
2013 16.112.587.000 19.28%
2014 19.974.227.000 19.33%
2015 25.296.884.000 21.04%
2016 33.398.856.000 24.26%
2017 42.332.200.000 21.1%
2018 17.092.658.000 -147.66%
2019 -164.325.804.000 110.4%
2020 -34.889.279.000 -370.99%
2021 10.640.534.000 427.89%
2022 7.358.200.000 -44.61%
2023 9.008.400.000 18.32%
2023 12.852.000.000 29.91%
2024 20.640.000.000 37.73%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Yes Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 1 0%
2007 1 100%
2008 2 50%
2009 3 33.33%
2010 4 25%
2011 6 20%
2012 7 28.57%
2013 9 12.5%
2014 10 11.11%
2015 12 25%
2016 16 20%
2017 18 16.67%
2018 1 0%
2019 -6 100%
2020 -1 -500%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Yes Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 -762.508.000
2005 -1.872.994.000 59.29%
2006 17.475.106.000 110.72%
2007 -2.472.700.000 806.72%
2008 -4.295.297.000 42.43%
2009 9.444.458.000 145.48%
2010 30.234.485.000 68.76%
2011 34.929.493.000 13.44%
2012 4.337.485.000 -705.29%
2013 43.018.223.000 89.92%
2014 -15.787.080.000 372.49%
2015 -6.423.342.000 -145.78%
2016 39.949.201.000 116.08%
2017 -222.036.969.000 117.99%
2018 -248.764.870.000 10.74%
2019 -582.629.156.000 57.3%
2020 498.543.952.000 216.87%
2021 231.874.672.000 -115.01%
2022 -266.078.500.000 187.15%
2023 0 0%
2023 -106.323.500.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Yes Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -553.632.000
2005 -1.659.648.000 66.64%
2006 18.013.463.000 109.21%
2007 -1.964.752.000 1016.83%
2008 -3.645.892.000 46.11%
2009 9.601.291.000 137.97%
2010 30.506.314.000 68.53%
2011 35.884.937.000 14.99%
2012 5.406.380.000 -563.75%
2013 44.355.021.000 87.81%
2014 -14.656.057.000 402.64%
2015 -3.756.229.000 -290.18%
2016 43.841.385.000 108.57%
2017 -218.104.444.000 120.1%
2018 -245.733.011.000 11.24%
2019 -577.212.205.000 57.43%
2020 501.239.957.000 215.16%
2021 235.977.447.000 -112.41%
2022 -258.162.600.000 191.41%
2023 0 0%
2023 -96.516.900.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Yes Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 208.876.000
2005 213.346.000 2.1%
2006 538.357.000 60.37%
2007 507.948.000 -5.99%
2008 649.405.000 21.78%
2009 156.833.000 -314.07%
2010 271.829.000 42.3%
2011 955.444.000 71.55%
2012 1.068.895.000 10.61%
2013 1.336.798.000 20.04%
2014 1.131.023.000 -18.19%
2015 2.667.113.000 57.59%
2016 3.892.184.000 31.48%
2017 3.932.525.000 1.03%
2018 3.031.859.000 -29.71%
2019 5.416.951.000 44.03%
2020 2.696.005.000 -100.93%
2021 4.102.775.000 34.29%
2022 7.915.900.000 48.17%
2023 0 0%
2023 9.806.600.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Yes Bank Limited Equity
Year Equity Growth
2004 2.170.000.000
2005 5.726.922.000 62.11%
2006 7.870.573.000 27.24%
2007 13.189.214.000 40.33%
2008 16.242.160.000 18.8%
2009 30.895.503.000 47.43%
2010 37.940.751.000 18.57%
2011 46.766.360.000 18.87%
2012 58.076.705.000 19.47%
2013 71.152.197.000 18.38%
2014 116.655.219.000 39.01%
2015 137.623.807.000 15.24%
2016 220.396.306.000 37.56%
2017 257.525.072.000 14.42%
2018 268.874.103.000 4.22%
2019 216.949.600.000 -23.93%
2020 331.382.937.000 34.53%
2021 336.989.686.000 1.66%
2022 407.181.800.000 17.24%
2023 421.551.900.000 3.41%
2023 414.267.500.000 -1.76%
2024 456.724.100.000 9.3%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Yes Bank Limited Assets
Year Assets Growth
2004 12.781.729.000
2005 41.625.543.000 69.29%
2006 111.034.492.000 62.51%
2007 169.824.184.000 34.62%
2008 229.007.901.000 25.84%
2009 363.825.107.000 37.06%
2010 590.069.889.000 38.34%
2011 736.621.108.000 19.9%
2012 991.040.774.000 25.67%
2013 1.090.047.684.000 9.08%
2014 1.361.429.742.000 19.93%
2015 1.652.426.221.000 17.61%
2016 2.150.596.899.000 23.16%
2017 3.124.496.536.000 31.17%
2018 3.808.596.097.000 17.96%
2019 2.578.321.637.000 -47.72%
2020 2.735.934.421.000 5.76%
2021 3.185.777.353.000 14.12%
2022 3.552.041.300.000 10.31%
2023 4.063.615.500.000 12.59%
2023 3.658.480.900.000 -11.07%
2024 4.085.554.600.000 10.45%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Yes Bank Limited Liabilities
Year Liabilities Growth
2004 10.611.729.000
2005 35.898.621.000 70.44%
2006 103.163.919.000 65.2%
2007 156.634.970.000 34.14%
2008 212.765.741.000 26.38%
2009 332.929.604.000 36.09%
2010 552.129.138.000 39.7%
2011 689.854.748.000 19.96%
2012 932.964.069.000 26.06%
2013 1.018.895.487.000 8.43%
2014 1.244.774.523.000 18.15%
2015 1.514.802.414.000 17.83%
2016 1.930.200.593.000 21.52%
2017 2.866.971.464.000 32.67%
2018 3.539.721.994.000 19.01%
2019 2.361.372.037.000 -49.9%
2020 2.404.551.484.000 1.8%
2021 2.848.787.667.000 15.59%
2022 3.144.859.500.000 9.41%
2023 3.642.063.600.000 13.65%
2023 711.888.400.000 -411.61%
2024 3.628.830.500.000 80.38%

Yes Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.82
Net Income per Share
0.46
Price to Earning Ratio
46.51x
Price To Sales Ratio
2.76x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.48
EV to Sales
5.15
EV Over EBITDA
192.84
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.02
FreeCashFlow Yield
0
Market Cap
675,21 Bil.
Enterprise Value
1.262,68 Bil.
Graham Number
12.32
Graham NetNet
-108.69

Income Statement Metrics

Net Income per Share
0.46
Income Quality
0
ROE
0.03
Return On Assets
0
Return On Capital Employed
0.03
Net Income per EBT
0.82
EBT Per Ebit
0.17
Ebit per Revenue
0.42
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.42
Pretax Profit Margin
0.07
Net Profit Margin
0.06

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
7,11
Book Value per Share
14,58
Tangible Book Value per Share
14.58
Shareholders Equity per Share
14.58
Interest Debt per Share
32.29
Debt to Equity
1.77
Debt to Assets
0.2
Net Debt to EBITDA
89.72
Current Ratio
0
Tangible Asset Value
456,72 Bil.
Net Current Asset Value
-3.405,93 Bil.
Invested Capital
252623700000
Working Capital
222,90 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.19

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Yes Bank Limited Dividends
Year Dividends Growth
2010 2
2011 3 50%
2012 4 50%
2013 6 33.33%
2014 8 25%
2015 9 11.11%
2016 10 10%
2017 12 16.67%
2018 3 -500%
2019 4 50%

Yes Bank Limited Profile

About Yes Bank Limited

Yes Bank Limited provides various banking and financial products and services primarily in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers corporate banking services, such as working capital finance, term loans, trade finance and cash management services, debt capital markets, treasury, investment banking solution, foreign currency loans and overseas financing, liquidity management, and other services. It also provides retail banking products, including home, car, super bike, commercial vehicle, construction equipment, gold, personal, and secured business loans, as well as loans against securities; health care and printing equipment finance; and business banking services to micro, small, and medium enterprises. In addition, the company offers financial and advisory services to ministries under the union and state governments, central and state public sector undertakings, boards, and other affiliates; and banking solutions to cooperative banks, mutual funds, stock brokers, non-banking finance companies (NBFCs), payment aggregators, regulated payment operators, and other financial institutions. Further, it provides debit and credit cards, current and savings accounts, fixed and recurring deposits, wealth management and insurance products, and mobile and online banking services; transaction banking services; mergers and acquisition advisory, and private equity/structured debt financing; and remittance solutions. As of March 31, 2022, it operated 1,122 branches; and 1,244 ATMs and bunch note acceptors/recyclers. The company was incorporated in 2003 and is headquartered in Mumbai, India.

CEO
Mr. Prashant Kumar
Employee
28.001
Address
YES BANK House
Mumbai, 400055

Yes Bank Limited Executives & BODs

Yes Bank Limited Executives & BODs
# Name Age
1 Mr. Rajan Pental
Global Head of Retail Banking & Executive Director
70
2 Mr. Vinod Mohanlal Bahety
Senior Group President & Global Head of Corporate Finance Infrastructure Banking
70
3 Ms. Archana Shiroor
Chief Human Resources Officer
70
4 Mr. Rajat Chhalani
Chief Compliance Officer
70
5 Mr. Prashant Kumar
Chief Executive Officer, MD & Director
70
6 Mr. Niranjan Banodkar
Group Chief Financial Officer
70
7 Mr. Sachin Raut
Chief Operating Officer
70
8 Mr. Mahesh Ramamoorthy
Chief Information Officer
70
9 Mr. Nipun Kaushal
Chief Marketing Officer & Head of CSR
70
10 Mr. Sanjay Nambiar
Group President, Legal Head & General Counsel
70

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