YES Bank Ltd.

NSE: YESBANK | BSE: 532648 | ISIN: INE528G01027 |Industry: Banks
|Weak Stock
56.00 -6.10 (-9.82%)
NSE Dec 06, 2019 15:31
Volume: 282.4M
 
Durability score
15 /100
Low Financial Strength
Valuation score
21.5 /100
Expensive Valuation
Momentum score
28.1 /100
Technically Bearish
Market Capitalizati...
14,282 Cr.
Above industry median.
AVG Broker Target
134.3
139.82% upside
PE TTM Price to Ear...
-14.4
Negative PE TTM Price to Earnings

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. 56.00-14.4114281.963.57-600.08-59.287386.282.140.53
HDFC Bank Ltd.
Market Leader
1246.0529.15681689.030.806344.9920.5428166.2816.394.57
ICICI Bank Ltd.
Market Runner Up
524.8066.00339060.160.19654.96-50.3718565.3022.903.22
Kotak Mahindra Bank .. 1674.3039.06319794.650.072399.0815.828418.7515.565.53
State Bank of India 320.0021.31285587.200.003645.83173.2967356.249.651.36
Axis Bank Ltd. 717.6045.52202302.200.14-112.081596.3815437.8016.243.03
IndusInd Bank Ltd. 1465.8524.41101580.470.511383.37-8.467150.3631.493.85
Bandhan Bank Ltd. 562.5532.8590574.270.53971.8045.032690.2767.558.09

Quarterly Results

All values except ratios in INR(Crores)
IndicatorSep-2019Jun-2019Mar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Graph
Total Revenue Qtr cr 8,332.2 9,088.8 8,388.2 8,849.8 8,704.7 8,272.2 7,163.9 6,492.6 6,048.8
Operating Expenses Qtr Cr 1,673.4 1,594.4 1,714.2 1,566.9 1,524.6 1,458.6 1,439.8 1,309.3 1,226.9
Operating Profit Qtr Cr 512.5 686.4 791.7 1,099.5 893.0 760.6 714.5 579.5 658.2
Operating Profit Margin Qtr % 6.94% 8.78% 10.08% 13.81% 12.35% 11.56% 12.44% 11.43% 13.71%
Depreciation Qtr Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Interest Qtr Cr 5,200.4 5,535.3 5,350.6 5,292.5 4,813.7 4,358.9 3,588.7 3,181.5 2,915.3
Profit Before Tax Qtr Cr 122.2 175.0 -2,338.3 1,440.1 1,426.5 1,829.1 1,735.8 1,580.5 1,459.6
Tax Qtr Cr 722.3 61.2 -831.7 438.3 461.8 568.7 556.4 503.6 456.9
Net Profit Qtr Cr -600.1 113.8 -1,506.6 1,001.9 964.7 1,260.4 1,179.4 1,076.9 1,002.7
Basic EPS Qtr Rs -2.5 0.5 -6.5 4.3 4.2 5.5 5.1 4.7 4.4
Net profit TTM Cr -991.1 573.7 1,720.3 4,406.4 4,481.4 4,519.4 4,224.6 3,959.2 3,765.0
Basic EPS TTM Rs -3.9 2.5 7.4 19.1 19.4 19.6 18.3 17.2 16.4
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 lower than historical averages.
IndicatorSep-2019Jun-2019Mar-2019Dec-2018Sep-2018Jun-2018Graph
Total Revenue Qtr cr 8,347.5 9,105.8 8,410.3 8,874.2 8,713.7 8,301.1
Operating Expenses Qtr Cr 1,711.2 1,633.3 1,744.0 1,592.6 1,548.0 1,476.9
Operating Profit Qtr Cr 472.1 645.2 762.7 1,074.8 870.5 743.0
Operating Profit Margin Qtr % 6.39% 8.26% 9.71% 13.5% 12.04% 11.3%
Depreciation Qtr Cr 0.0 0.0 0.0 0.0 0.0 0.0
Interest Qtr Cr 5,199.4 5,534.4 5,349.4 5,291.5 4,812.6 4,357.8
Profit Before Tax Qtr Cr 100.6 153.9 -2,341.8 1,442.0 1,410.5 1,838.3
Tax Qtr Cr 729.7 58.3 -833.4 441.4 459.1 572.7
Net Profit Qtr Cr -629.1 95.6 -1,508.4 1,000.6 951.5 1,265.7
Basic EPS Qtr Rs -2.6 0.4 -6.6 0.0 4.1 5.5
Net profit TTM Cr -1,041.4 539.2 1,709.3
Basic EPS TTM Rs -4.1 2.3 7.4 13.9 9.6 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 34,659.1 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 6,549.0 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 3,090.1 23,662.0 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 % 69.16% 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 8,436.4 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 % 24.66% 31.3% 29.2% 27.16% 24.49% 23.51% 22.96% 22.07% 26.26%
Depreciation Cr 0.0 301.5 231.0 171.3 110.6 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 -991.1 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:
1,720.28 Cr
3 Years:
3,091.65 Cr
5 Years:
2,763.95 Cr
7 Years:
2,391.17 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing slower than historical averages.
Average ROE Annual %
1 Year:
6.39 %
3 Years:
12.63 %
5 Years:
14.69 %
7 Years:
16.94 %
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Graph
Total Revenue Annual Cr 34,737.8 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 6,681.1 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 2,954.8 23,567.8 15,227.4 12,429.0 10,640.3 9,363.2 8,288.0 7,011.2
Operating Profit Margin Annual % 68.71% 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 8,432.0 7,991.1 6,020.3 4,404.3 3,327.8 2,745.0 2,193.4
EBIDT margin Annual % 24.58% 31.26% 29.16% 27.08% 24.43% 23.46% 22.96%
Depreciation Cr 0.0 305.5 232.4 172.6 111.8 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 -1,041.4 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:
34,299.28 Cr
3 Years:
26,834.61 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:
3,094.12 Cr
5 Years:
2,761.9 Cr
7 Years:
2,388.77 Cr
Annual ROE Annual % Analysis
Average ROE Annual %
1 Year:
6.35 %
3 Years:
12.64 %
5 Years:
14.69 %
7 Years:
16.92 %

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 116.2 111.8 483.1 327.8 279.6 197.5 161.9 132.5 109.3
RoA Annual % 0.45% 1.35% 1.54% 1.53% 1.47% 1.48% 1.31% 1.32% 1.23%
ROE Annual % 6.39% 16.4% 15.09% 18.41% 17.16% 22.71% 22.39% 20.89% 19.16%
ROCE Annual % 7.7% 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 4.0 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:
116.22 Rs
3 Years:
237.06 Rs
5 Years:
263.73 Rs
7 Years:
239.72 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing slower than historical averages.
Average RoA Annual %
1 Year:
0.45 %
3 Years:
1.11 %
5 Years:
1.27 %
7 Years:
1.3 %
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Graph
Book Value Per Share Annual Rs 116.1 111.8 482.8 327.3 279.3 197.3 161.9
RoA Annual % 0.44% 1.35% 1.55% 1.53% 1.46% 1.47% 1.31%
ROE Annual % 6.35% 16.43% 15.15% 18.38% 17.12% 22.64% 22.39%
ROCE Annual % 7.7% 6.73% 8.1% 8.44% 8.78% 9.69% 8.77%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 4.0 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:
116.14 Rs
3 Years:
236.93 Rs
5 Years:
263.46 Rs
7 Years:
239.5 Rs
Annual RoA Annual % Analysis
Average RoA Annual %
1 Year:
0.44 %
3 Years:
1.11 %
5 Years:
1.27 %
7 Years:
1.3 %

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 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
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 290,487.1 243,214.3 164,344.6 115,954.2 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 654,158.0 581,829.6 379,564.2 332,798.1 337,299.3 201,016.8 247,804.4 164,135.7 136,225.4
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 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