Yes Bank Faces Mixed Financial Trends Amidst Operational Challenges and Profit Growth

Yes Bank has recently undergone a financial trend adjustment, reflecting a flat performance for the quarter ending September 2025. The bank's score has seen a notable decline, indicating challenges in certain operational areas.
On a positive note, the bank's profit after tax (PAT) for the latest six months stands at Rs 1,455.54 crore, showcasing a growth rate of 37.90%. Additionally, the quarterly PBDIT reached its highest at Rs -347.81 crore, while the operating profit to net sales ratio also marked a peak at -4.71%. Furthermore, the net non-performing assets (NPA) ratio is at a commendable low of 0.30%, reflecting effective asset management.

However, several metrics indicate areas of concern. The credit deposit ratio is at its lowest point of 84.45%, and interest earned for the quarter is recorded at Rs 7,378.84 crore, also the lowest. The profit before tax (PBT) less other income is at Rs -766.76 crore, and non-operating income constitutes 187.38% of PBT, suggesting reliance on non-core activities.

In terms of market performance, Yes Bank's stock has shown varied returns compared to the Sensex over different periods, with a year-to-date return of 16.79% against the Sensex's 8.14%. This performance highlights the bank's resilience in a competitive landscape, despite the recent evaluation revision.