Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Yes Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Yes Bank
9.62%
0.33
29.09%
Sensex
-2.38%
-0.19
12.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
-1.01%
Net Profit Growth (5y)
24.08%
Advance to Deposit
90.60%
Capital Adequacy Ratio (Tier 1)
12.74%
Gross NPA (latest)
1.50%
Gross NPA (avg)
4.35%
Coverage Ratio (avg)
65.59%
Cost to Income (avg)
72.40%
Net Interest Margin (avg)
2.60%
Operating Profit to Assets (avg)
3.53%
ROA (avg)
0.15%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Price to Book Value
1.16
PEG Ratio
0.38
Dividend Yield
NA
ROE (Latest)
6.27%
ROA (Latest)
0.74%
Net NPA to Book Value
1.34
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
GROSS NPA(Q)
Lowest at 1.50%
NII(Q)
Highest at Rs 2,465.60 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 88.01%
PBT LESS OI(Q)
Highest at Rs -420.89 cr.
PAT(Q)
Highest at Rs 951.62 cr.
EPS(Q)
Highest at Rs 0.30
NET NPA(Q)
Lowest at 0.30%
-2What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 10,481.21 cr
NON-OPERATING INCOME(Q)
is 134.73 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Yes Bank
Profit After Tax (PAT) - Quarterly
At Rs 951.62 cr has Grown at 55.4%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.50%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,465.60 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -420.89 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 951.62 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.30
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.30%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 88.01%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Yes Bank
Non Operating Income - Quarterly
is 134.73 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 10,481.21 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 14.50%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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