ScoreWhy is Yes Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 25.67% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 25.67%
3
The company has declared Positive results for the last 3 consecutive quarters
- PAT(Latest six months) At Rs 2,139.41 cr has Grown at 39.00%
- GROSS NPA(Q) Lowest at 1.30%
- NII(Q) Highest at Rs 2,786.46 cr
4
With ROA of 0.8, it has a Attractive valuation with a 1.4 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 22.63%, its profits have risen by 38.5% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 70.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.93% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 22.63% in the last 1 year, much higher than market (BSE500) returns of 3.97%
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, High Return
Absolute
Risk Adjusted
Volatility
Yes Bank
23.66%
0.82
27.63%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.59%
Net Profit Growth (5y)
25.67%
Advance to Deposit
90.42%
Capital Adequacy Ratio (Tier 1)
13.36%
Gross NPA (latest)
1.30%
Gross NPA (avg)
4.00%
Coverage Ratio (avg)
69.99%
Cost to Income (avg)
70.78%
Net Interest Margin (avg)
2.74%
Operating Profit to Assets (avg)
3.70%
ROA (avg)
0.48%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Price to Book Value
1.37
PEG Ratio
0.50
Dividend Yield
NA
ROE (Latest)
7.16%
ROA (Latest)
0.81%
Net NPA to Book Value
1.29
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PAT(Latest six months)
At Rs 2,139.41 cr has Grown at 39.00%
GROSS NPA(Q)
Lowest at 1.30%
NII(Q)
Highest at Rs 2,786.46 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 90.41%
INTEREST EARNED(Q)
Highest at Rs 8,044.32 cr
PBDIT(Q)
Highest at Rs -93.97 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -1.17%
EPS(Q)
Highest at Rs 0.34
NET NPA(Q)
Lowest at 0.20%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 137.30 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Yes Bank
Gross NPA - Quarterly
Lowest at 1.30%
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 2,786.46 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 8,044.32 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs -93.97 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -1.17%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,070.99 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,070.99 cr has Grown at 33.7%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.34
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.20%
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 90.41%
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 137.30 % 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
Non Operating Income - Quarterly
Highest at Rs 1,797.94 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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