ScoreWhy is Yes Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 16.30% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 16.30%
3
Flat results in Sep 25
- CREDIT DEPOSIT RATIO(HY) Lowest at 84.45%
- INTEREST EARNED(Q) Lowest at Rs 7,378.84 cr
- PBT LESS OI(Q) At Rs -766.76 cr has Fallen at -5.26%
4
With ROA of 0.7, it has a Fair valuation with a 1.5 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 6.57%, its profits have risen by 61.4% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 65.76%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.54% 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
6.52%
0.21
30.61%
Sensex
4.89%
0.42
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
1.13%
Net Profit Growth (5y)
16.30%
Advance to Deposit
90.49%
Capital Adequacy Ratio (Tier 1)
12.68%
Gross NPA (latest)
1.60%
Gross NPA (avg)
6.61%
Coverage Ratio (avg)
69.74%
Cost to Income (avg)
69.99%
Net Interest Margin (avg)
2.78%
Operating Profit to Assets (avg)
3.72%
ROA (avg)
0.10%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Price to Book Value
1.45
PEG Ratio
0.42
Dividend Yield
NA
ROE (Latest)
5.70%
ROA (Latest)
0.65%
Net NPA to Book Value
1.57
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PAT(Latest six months)
At Rs 1,455.54 cr has Grown at 37.90%
PBDIT(Q)
Highest at Rs -347.81 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -4.71%
NET NPA(Q)
Lowest at 0.30%
-5What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 84.45%
INTEREST EARNED(Q)
Lowest at Rs 7,378.84 cr
PBT LESS OI(Q)
At Rs -766.76 cr has Fallen at -5.26%
NON-OPERATING INCOME(Q)
is 187.38 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Yes Bank
Profit After Tax (PAT) - Latest six months
At Rs 1,455.54 cr has Grown at 37.90%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs -347.81 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -4.71%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
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 (%)
Here's what is not working for Yes Bank
Interest Earned - Quarterly
Lowest at Rs 7,378.84 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -766.76 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -766.76 cr has Fallen at -5.26%
Year on Year (YoY)MOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 187.38 % 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
Credit Deposit Ratio - Half Yearly
Lowest at 84.45%
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
CAR - Quarterly
Lowest at 15.00%
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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