Yes Bank Ltd Stock Analysis

BSE: 532648 | NSE: YESBANK | Bank - Private | Large Cap

BSE Share Price 05-Dec-2022 18:01
17.45 0.05 (0.29%)

DeciZen - Make an Informed Decision on Yes Bank

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Yes Bank Price Chart

P/E Ratio (SA) :
39.85
Market Cap :
43,723.7 Cr.
52-wk low :
12.1
52-wk high :
18.2
Bole Toh?

1. Is Yes Bank Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Yes Bank Ltd is a below average quality company.

2. Is Yes Bank Ltd undervalued or overvalued?

The key valuation ratios of Yes Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Yes Bank Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Yes Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

10 Year X-Ray of Yes Bank:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Yes Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Net Interest Income (₹ Cr.)2,2192,7163,4884,5675,7977,7379,8096,8057,4296,4987,425
YoY Gr. Rt. %-22.4%28.4%30.9%27%33.5%26.8%-30.6%9.2%-12.5%-
Total Income9,55111,70313,61816,24620,58125,49134,21537,92323,05422,28623,772
YoY Gr. Rt. %-22.5%16.4%19.3%26.7%23.9%34.2%10.8%-39.2%-3.3%-
Adj EPS (₹ ) 7.399.612.114.618.37.4-13.1-1.40.40.4
YoY Gr. Rt. %-23.7%7%25.8%20.8%25.7%-59.5%-276%NANA-
BVPS (₹ )32.439.555.965.696.6111.9116.217.313.313.513.7
YoY Gr. Rt. %-22%41.6%17.3%47.4%15.8%3.9%-85.1%-23.5%1.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.51.61.61.71.81.60.5-5.1-1.30.40.3
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)00.10.10.30.80.61.955.94.53.6
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income12.7%2.3%-12.8%-12.5%
Total Income9.9%1.6%-13.3%-3.3%
Adj EPS-26.9%-50.6%-61.3%NA
BVPS-9.3%-32.6%-51.3%1.6%
Share Price -15.4% -43.6% -32.2% 38.4%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Interest Earned / Total Income86.8485.2984.9783.3179.879.5186.5868.7486.9485.3686
Margins To view Margins Colour Rating Guide click here
NIM (%)2.42.72.82.92.92.62.733.12.32.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)24.82521.319.918.617.76.5-67.5-12.63.23.2
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)192223.128.136.336.533.126.626.131.1-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 3.20%

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

Total Income has declined 11.80 CAGR in last 3 years

Net Profit has declined -61.32 CAGR in last 3 years

Latest Financials - Yes Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 0.4 0.4
TTM Sales (₹ Cr.) 20,455 20,453
BVPS (₹.) 13.7 13.7
Reserves (₹ Cr.) 29,416 29,384
P/BV 1.27 1.27
PE 39.85 39.31
From the Market
52 Week Low / High (₹) 12.11 / 18.20
All Time Low / High (₹) 5.55 / 404.00
Market Cap (₹ Cr.) 43,724
Equity (₹ Cr.) 5,011.3
Face Value (₹) 2
Industry PE 21.7

Management X-Ray of Yes Bank :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Yes Bank

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Yes Bank Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Yes Bank on 05-Dec-2022 18:01 is : 17.45.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 05-Dec-2022 18:01 the market cap of Yes Bank stood at ₹ 43,723.7.
The latest PE ratio of Yes Bank as of 05-Dec-2022 18:01 is 39.85.
The latest PB ratio of Yes Bank as of 05-Dec-2022 18:01 is 1.27
The 52-week high of Yes Bank is ₹ 18.20 and the 52-week low is ₹ 12.11.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Yes Bank is ₹ 20,455 ( Cr.) .

About Yes Bank Ltd

Yes Bank, incorporated in 2004 by Rana Kapoor and Late Ashok Kapur, is a new age private sector bank. Since inception Yes Bank has fructified into a ‘“Full Service Commercial Bank” that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country, and is well equipped to offer a range of products and services to corporate and retail customers.

YES BANK offers a full-range of client-focused corporate banking services, including working capital finance, specialized corporate finance, trade and transactional services, treasury risk management services, investment banking solutions and liquidity management solutions among others to a highly focused client base.

The bank is part of global thought leadership forums like the Clinton Global Initiative (CGI), Triple Bottom Line Investing (TBLI) and Tallberg Forum. Recently, it became the first Indian Bank to become a signatory with the United Nations Environment Programme (Financial Initiative).

As part of the differentiated strategy, Yes Bank has had a strong focus on Development Banking, as is evident from the cutting-edge work that the Bank has done in the area of Food & Agribusiness, Infrastructure, Microfinance, and Sustainability which in most cases has been first-of-its kind in India

Yes Bank has partnered with various companies for delivering quality products and services namely Cash Tech, Cisco Systems, Gartner, Intel, i-flex, Reuters, VSNL, Wipro, De La Rue, Murex, Wincor Nixdorf and Sanovi.

The bank also has a widespread branch network of over 331 branches across 200 cities, with over 420 ATM's and 2 National Operating Centres in Mumbai and Gurgaon.

Business Areas

Corporate and Institutional Banking- The bank offers a broad range of financial and risk management solutions to clients such as large Indian corporates and groups, multinational companies, central and state governments, government bodies and public sector enterprises.

Business Banking- Yes Bank offers a range of products, services and resources to small and medium businesses.

Corporate Finance- It offers corporate finance solutions to various clients such as local corporates, multinational companies, financial institutions and public sector undertakings.

Retail Banking- Under this, the  bank offers wide range of products and services such as saving account, current account, fixed deposit, retail loan, depository services and many more.

Investment Banking- Yes Bank offers investment banking services in area of mergers and acquisitions, divestitures, private equity syndication and IPO advisory.

Awards & Recognitions :

In March 2014- The Bank was awarded the “Ramkrishna Bajaj National Quality (RBNQ) Business Excellence Award - 2013” in the Services Category. Organized by Indian Merchants’ Chamber, YES BANK is the only bank to win this prestigious award in the history of the RBNQ Award.

Outstanding Business Sustainability Achievement Karlsruhe Sustainable Finance Awards Germany, 2013

Jamnalal Bajaj Uchit Vyavahar Puraskar (Service Enterprises-Large) Council for Fair Business Practices (CFBP) 2012

Financial Institutions Syndicated Deal of the Year, Asia Pacific Region Asia Pacific Loan Market Association (APLMA) 2012

Global Business Excellence Award, Dubai, 2013

Sustainability Award, London, 2012 Golden Peacock

Institutional Excellence

  • YES BANK receives the 'Fastest Growing Bank' Award third year in a row at the Business world Best Bank Awards 2011
  • YES BANK receives the Best Private Sector Bank Award at Dun & Bradstreet - Polaris Software Banking  Awards 2011
  • YES BANK receives “Sustainable Bank of the Year (Asia/Pacific)” Award at FT/IFC Sustainable Finance Awards 2011, London

Business Excellence

1) YES BANK won seven awards at Asia’s Best Employer Brand Awards and the CMO Asia Awards for    Excellence in Branding and Marketing that were held on July 22, 2011 in Singapore. The bank received awards in the following categories:

  • Continuous Innovation in HR Strategy at Work
  • Talent Management
  • Best HR Strategy in Line with Business
  • Excellence in HR through Technology
  • CEO of the Year Award to Mr. Rana Kapoor
  • Brand Excellence in Banking, Financial Services & Insurance
  • Best Corporate Social Responsibility Practice (Overall)

2) YES BANK received 'The Asian Banker Technology Implementation Awards 2011'

  • Won the Best Multi-channel Capability Project Award for increasing its distribution and optimizing its mobile banking services
  • Won the Best Financial Supply Chain Project Award for streamlining a client’s business processes into a single work flow, automating remittances and allowing for faster and more accurate reconciliation

3) YES BANK’s Chief Information Security Officer ranked as one of the Top 100 CISOs at the TOP 100 CISO Awards 2011.

4) YES BANK receives significant recognition at The Banker Technology Awards 2011

  • Won the Commercial Banking Project of the Year Award
  • Innovation in Cash and Treasury Technology
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