YES Bank Ltd.

NSE: YESBANK | BSE: 532648 | ISIN: INE528G01027 |Industry: Banks
|Weak Stock
61.05 -4.35 (-6.65%)
NSE Aug 22, 2019 11:29
Volume: 119.4M
 
Durability score
15 /100
Low Financial Strength
Valuation score
33.3 /100
Mid Valuation
Momentum score
16.0 /100
Technically Bearish
Market Capitalizati...
14,156.9 Cr.
Above industry median.
AVG Broker Target
157.2
157.46% upside
PE TTM Price to Ear...
24.7
Above industry median.

Peer Group

StockCurrent Price RsPE TTM Price to EarningsMarket Capitalization in CrDividend yield 1yr %Net Profit Qtr CrNet Profit Annual Growth YoY %Operating Revenues Qtr CrRevenue Growth Qtr YoYPrice to Book Value
YES Bank Ltd. 61.0524.6814156.883.28113.76-59.287816.1518.820.55
HDFC Bank Ltd.
Market Leader
2204.5054.661204891.520.915568.1620.5427391.5921.488.08
Kotak Mahindra Bank ..
Market Runner Up
1483.4037.75283231.500.081926.8515.828314.1920.444.90
ICICI Bank Ltd. 405.8048.58261889.120.621908.03-50.3717980.0622.132.49
State Bank of India 276.7023.50246943.680.003383.79173.2965594.427.181.18
Axis Bank Ltd. 665.4032.61174301.530.151370.081596.3815254.9519.392.61
IndusInd Bank Ltd. 1342.0521.8980944.400.561432.50-8.466961.3737.363.07
Bandhan Bank Ltd. 474.4026.0756600.470.63701.1445.032120.5636.275.05

Quarterly Results

All values except ratios in INR(Crores)
IndicatorJun-2019Mar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Graph
Total Revenue Qtr cr 9,088.8 8,388.2 8,849.8 8,704.7 8,272.2 7,163.9 6,492.6 6,048.8 5,786.0
Operating Expenses Qtr Cr 1,594.4 1,714.2 1,566.9 1,524.6 1,458.6 1,439.8 1,309.3 1,226.9 1,236.9
Operating Profit Qtr Cr 686.4 791.7 1,099.5 893.0 760.6 714.5 579.5 658.2 572.0
Operating Profit Margin Qtr % 8.78% 10.08% 13.81% 12.35% 11.56% 12.44% 11.43% 13.71% 12.29%
Depreciation Qtr Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Interest Qtr Cr 5,535.3 5,350.6 5,292.5 4,813.7 4,358.9 3,588.7 3,181.5 2,915.3 2,844.9
Profit Before Tax Qtr Cr 175.0 -2,338.3 1,440.1 1,426.5 1,829.1 1,735.8 1,580.5 1,459.6 1,418.4
Tax Qtr Cr 61.2 -831.7 438.3 461.8 568.7 556.4 503.6 456.9 452.9
Net Profit Qtr Cr 113.8 -1,506.6 1,001.9 964.7 1,260.4 1,179.4 1,076.9 1,002.7 965.5
Basic EPS Qtr Rs 0.5 -6.5 4.3 4.2 5.5 5.1 4.7 4.4 21.1
Net profit TTM Cr 573.7 1,720.3 4,406.4 4,481.4 4,519.4 4,224.6 3,959.2 3,765.0 3,563.8
Basic EPS TTM Rs 2.5 7.4 19.1 19.4 19.6 18.3 17.2 16.4 77.9
Quarterly Operating Revenues Qtr Cr Analysis
Operating Revenues Qtr Cr growth is lower than historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is higher than historical averages.
IndicatorJun-2019Mar-2019Jun-2018Graph
Total Revenue Qtr cr 9,105.8 8,410.3 8,301.1
Operating Expenses Qtr Cr 1,633.3 1,744.0 1,476.9
Operating Profit Qtr Cr 645.2 762.7 743.0
Operating Profit Margin Qtr % 8.26% 9.71% 11.3%
Depreciation Qtr Cr 0.0 0.0 0.0
Interest Qtr Cr 5,534.4 5,349.4 4,357.8
Profit Before Tax Qtr Cr 153.9 -2,341.8 1,838.3
Tax Qtr Cr 58.3 -833.4 572.7
Net Profit Qtr Cr 95.6 -1,508.4 1,265.7
Basic EPS Qtr Rs 0.4 -6.6 5.5
Net profit TTM Cr
Basic EPS TTM Rs -6.1 -1.0 5.5
Quarterly Operating Revenues Qtr Cr Analysis
Quarterly Net Profit Qtr Cr Analysis

Annual Results

All values except ratios in INR(Crores)
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 35,031.5 34,214.9 25,491.3 20,581.4 16,245.6 13,618.5 11,702.9 9,551.4 7,164.5 4,665.0
Operating Expenses Annual Cr 6,400.1 6,264.3 5,212.8 4,116.5 2,976.4 2,284.7 1,749.9 1,334.5 932.5 679.8
Operating Profit Annual in Cr 3,470.6 23,360.5 15,285.6 12,479.4 10,667.6 9,372.3 8,294.6 7,011.2 5,415.6 3,396.8
Operating Profit Margin Annual % 68.28% 59.96% 60.63% 65.66% 68.82% 70.88% 73.4% 75.59% 72.81%
Total Expenses Annual Cr 32,494.6 21,266.7 17,251.3 13,706.1 11,613.1 10,085.1 8,250.8 6,187.5 3,937.9
EBIDT Annual Cr 8,134.9 7,979.1 6,008.8 4,413.1 3,334.6 2,751.1 2,193.4 1,581.0 1,225.2
EBIDT margin Annual % 23.78% 31.3% 29.2% 27.16% 24.49% 23.51% 22.96% 22.07% 26.26%
Depreciation Cr 0.0 0.0 231.0 171.3 110.6 85.0 63.2 51.7 40.8 34.8
PAT Before ExtraOrdinary Items Annual Cr 1,720.3 4,224.6 3,330.1 2,539.4 2,005.4 1,617.8 1,300.7 977.0 727.1
Net Profit Annual Cr 573.7 1,720.3 4,224.6 3,330.1 2,539.4 2,005.4 1,617.8 1,300.7 977.0 727.1
Basic EPS Annual Rs 7.5 18.4 15.8 60.6 49.3 44.9 36.5 27.9 21.1
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is higher than historical averages.
Average Total Revenue Annual Cr
1 Year:
34,214.9 Cr
3 Years:
26,762.52 Cr
5 Years:
22,030.32 Cr
7 Years:
18,772.28 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
1,720.27 Cr
3 Years:
3,091.64 Cr
5 Years:
2,763.95 Cr
7 Years:
2,391.17 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing faster than historical averages.
Average ROE Annual %
1 Year:
16.4 %
3 Years:
15.96 %
5 Years:
16.69 %
7 Years:
18.37 %
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Graph
Total Revenue Annual Cr 0.0 34,299.3 25,561.7 20,642.8 16,262.9 13,619.9 11,702.9 9,551.4
Operating Expenses Annual Cr 0.0 6,361.4 5,273.5 4,168.6 3,005.0 2,294.9 1,756.9 1,334.5
Operating Profit Annual in Cr 0.0 23,262.4 15,227.4 12,429.0 10,640.3 9,363.2 8,288.0 7,011.2
Operating Profit Margin Annual % 67.82% 59.57% 60.21% 65.43% 68.75% 70.82% 73.4%
Total Expenses Annual Cr 32,590.0 21,328.5 17,302.9 13,733.2 11,622.5 10,091.7 8,250.8
EBIDT Annual Cr 8,126.6 7,991.1 6,020.3 4,404.3 3,327.8 2,745.0 2,193.4
EBIDT margin Annual % 23.69% 31.26% 29.16% 27.08% 24.43% 23.46% 22.96%
Depreciation Cr 0.0 0.0 232.4 172.6 111.8 86.1 63.5 51.7
PAT Before ExtraOrdinary Items Annual Cr 1,709.3 4,233.2 3,339.9 2,529.7 1,997.4 1,611.3 1,300.7
Net Profit Annual Cr 0.0 1,709.3 4,233.2 3,339.9 2,529.7 1,997.4 1,611.3 1,300.7
Basic EPS Annual Rs 7.4 18.5 15.8 60.4 49.1 44.7 36.5
Annual Total Revenue Annual Cr Analysis
Average Total Revenue Annual Cr
1 Year:
34,299.27 Cr
3 Years:
26,834.6 Cr
5 Years:
22,077.32 Cr
7 Years:
18,805.85 Cr
Annual Net Profit Annual Cr Analysis
Average Net Profit Annual Cr
1 Year:
1,709.27 Cr
3 Years:
3,094.13 Cr
5 Years:
2,761.9 Cr
7 Years:
2,388.78 Cr
Annual ROE Annual % Analysis
Average ROE Annual %
1 Year:
16.43 %
3 Years:
16.0 %
5 Years:
16.7 %
7 Years:
18.36 %

Financial Ratios

All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 111.8 483.1 327.8 279.6 197.5 161.9 132.5 109.3
RoA Annual % 1.35% 1.54% 1.53% 1.47% 1.48% 1.31% 1.32% 1.23%
ROE Annual % 16.4% 15.09% 18.41% 17.16% 22.71% 22.39% 20.89% 19.16%
ROCE Annual % 6.73% 8.09% 8.44% 8.78% 9.7% 8.77% 9.17% 7.06%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 2.9 1.8 2.3 2.2 3.0 3.6 3.0 1.8
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is higher than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
111.85 Rs
3 Years:
235.61 Rs
5 Years:
262.85 Rs
7 Years:
239.1 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing faster than historical averages.
Average RoA Annual %
1 Year:
1.35 %
3 Years:
1.41 %
5 Years:
1.45 %
7 Years:
1.43 %
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Graph
Book Value Per Share Annual Rs 111.8 482.8 327.3 279.3 197.3 161.9
RoA Annual % 1.35% 1.55% 1.53% 1.46% 1.47% 1.31%
ROE Annual % 16.43% 15.15% 18.38% 17.12% 22.64% 22.39%
ROCE Annual % 6.73% 8.1% 8.44% 8.78% 9.69% 8.77%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 2.9 1.8 2.3 2.2 3.0 3.6
Annual Book Value Per Share Annual Rs Analysis
Average Book Value Per Share Annual Rs
1 Year:
111.82 Rs
3 Years:
235.49 Rs
5 Years:
262.59 Rs
7 Years:
238.89 Rs
Annual RoA Annual % Analysis
Average RoA Annual %
1 Year:
1.35 %
3 Years:
1.42 %
5 Years:
1.45 %
7 Years:
1.43 %

Balance Sheet

All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 26,904.2 25,758.3 22,054.1 13,786.6 11,680.0 7,121.7 5,807.7 4,676.6 3,794.1
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr
Total Current Liabilities Annual Cr 17,887.7 11,055.6 11,525.3 8,098.3 7,094.2 6,387.7 5,418.7 5,640.9 2,583.1
Total Capital Plus Liabilities Annual Cr 312,445.6 215,059.9 165,263.4 136,170.4 109,015.8 99,104.1 73,625.7 59,007.0
Fixed Assets Annual Cr 817.0 832.4 683.5 470.7 319.0 293.5 229.5 177.1 132.4
Total Non Current Assets Annual Cr
Total Current Assets Annual Cr 283,335.2 243,214.3 164,344.6 115,954.2 89,246.2 67,772.0 55,898.5 45,691.2 40,045.7
Total Assets Annual Cr 380,826.2 312,445.6 215,059.9 165,263.4 136,170.4 109,015.8 99,104.1 73,625.7 59,007.0
Contingent Liabilities plus Commitments Annual Cr 581,829.6 379,564.2 332,798.1 337,299.3 201,016.8 247,804.4 164,135.7 136,225.4
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr
Current Investments Unquoted BookValue Annual Cr
Annual Long Term Debt To Equity Annual Analysis
Long Term Debt To Equity Annual growth is higher than historical averages.
Average Long Term Debt To Equity Annual
1 Year:
4.03
3 Years:
2.9
5 Years:
2.65
7 Years:
2.83
Annual Total Assets Annual Cr Analysis
Total Assets Annual Cr growth is lower than historical averages.
Average Total Assets Annual Cr
1 Year:
380,826.17 Cr
3 Years:
302,777.23 Cr
5 Years:
241,953.1 Cr
7 Years:
202,555.06 Cr
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Graph
Total ShareHolders Funds Annual Cr 26,887.4 25,752.5 22,039.6 13,762.4 11,665.5 7,115.2 5,807.7
Minority Interest Liability Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Total Non Current Liabilities Annual Cr
Total Current Liabilities Annual Cr 17,990.2 11,115.0 11,555.9 8,117.1 7,098.3 6,389.6 5,418.7
Total Capital Plus Liabilities Annual Cr 312,449.7 215,059.7 165,242.6 136,143.0 109,004.8 99,104.1
Fixed Assets Annual Cr 829.9 837.3 686.8 474.6 321.8 297.1 229.5
Total Non Current Assets Annual Cr
Total Current Assets Annual Cr 283,428.4 243,318.9 164,391.1 115,979.6 89,250.9 67,774.8 55,898.5
Total Assets Annual Cr 380,859.6 312,449.7 215,059.7 165,242.6 136,143.0 109,004.8 99,104.1
Contingent Liabilities plus Commitments Annual Cr 581,830.3 379,564.6 305,489.1 337,299.3 201,016.8 247,804.4
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr
Current Investments Unquoted BookValue Annual Cr