ScoreWhy is Yes Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 24.08% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 24.08%
3
Positive results in Dec 25
- GROSS NPA(Q) Lowest at 1.50%
- NII(Q) Highest at Rs 2,465.60 cr
- CREDIT DEPOSIT RATIO(HY) Highest at 88.01%
4
With ROA of 0.7, it has a Fair valuation with a 1.3 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.46%, its profits have risen by 48.4% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 66.87%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.11% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Yes Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Yes Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Yes Bank
13.46%
0.45
29.98%
Sensex
8.49%
0.74
11.41%
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
21
Price to Book Value
1.33
PEG Ratio
0.44
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
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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