Yes Bank Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Retail Banking: 41.9% • Corporate / Wholesale Banking: 33.5% • Treasury: 21.0%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Asset quality is healthy - gross NPA of just 1.3%
- Comfortable capital adequacy - CAR of 15.3%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 32.5% YoY, showing strong momentum
- Operating margins have improved to 18.4% from 14.1%
CONS
- A large part of profit comes from other income (152.6% of PBT)
- Weak return ratios for a lender: 3Y avg ROA 0.6%
- Thin net interest margin of 2.4%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Company's return on assets is weak at 0.8%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | 708.00 | 13.81 | 1091323.88 | 2.19 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| ICICIBANK | 1379.15 | 17.65 | 989980.04 | 0.87 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| KOTAKBANK | 418.70 | 20.52 | 416508.36 | 0.16 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| AXISBANK | 1247.50 | 13.98 | 388399.91 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| IDBI | 83.44 | 9.63 | 89718.04 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| FEDERALBNK | 344.40 | 18.18 | 85149.33 | 0.35 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| AUBANK | 1058.00 | 43.57 | 79454.72 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| INDUSINDBK | 977.80 | 57.61 | 76184.77 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| IDFCFIRSTB | 86.20 | 32.24 | 74319.14 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| YESBANK | 23.47 | 19.52 | 73668.68 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| RBLBANK | 412.80 | 71.21 | 64022.78 | 0.24 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| KARURVYSYA | 333.85 | 11.76 | 32273.73 | 0.78 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6,445 | 6,714 | 6,989 | 7,458 | 7,725 | 7,737 | 7,833 | 7,623 | 7,605 | 7,389 | 7,553 | 7,662 | 8,054 | |
| Interest Expended | 4,449 | 4,794 | 4,975 | 5,309 | 5,486 | 5,544 | 5,617 | 5,352 | 5,235 | 5,093 | 5,093 | 5,030 | 5,269 |
| Net Interest Income | 1,996 | 1,920 | 2,014 | 2,149 | 2,240 | 2,194 | 2,216 | 2,271 | 2,370 | 2,296 | 2,460 | 2,633 | 2,785 |
| 1,192 | 1,267 | 1,255 | 1,642 | 1,271 | 1,488 | 1,583 | 1,815 | 1,825 | 1,724 | 1,720 | 1,816 | 1,870 | |
| Total Income | 0 | 0 | 0 | 0 | 8,996 | 9,225 | 9,416 | 9,438 | 9,429 | 9,113 | 9,272 | 9,478 | 9,925 |
| Operating Expenses | 0 | 0 | 0 | 0 | 26,084 | 26,871 | 27,098 | 27,624 | 28,256 | 27,105 | 29,392 | 28,114 | 2,950 |
| Operating Profit | 0 | 0 | 0 | 0 | 9,022 | 9,947 | 10,891 | 13,235 | 13,687 | 13,100 | 12,401 | 16,370 | 1,706 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 2,117 | 2,973 | 2,588 | 3,178 | 2,840 | 4,189 | 219 | 1,876 | 394 |
| Profit before Tax | 462 | 304 | 320 | 451 | 691 | 697 | 830 | 1,006 | 1,085 | 891 | 1,218 | 1,449 | 1,311 |
| Tax % | 25.00% | 24.88% | 24.29% | -3.70% | 25.27% | 18.76% | 25.40% | 25.97% | 25.44% | 25.43% | 21.47% | 25.33% | 18.25% |
| Net Profit | 0 | 0 | 0 | 0 | 516 | 567 | 619 | 745 | 809 | 664 | 957 | 1,082 | 1,072 |
| EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 27,606 | 30,919 | 30,208 | — | |
| Interest Expended | 10,627 | 12,529 | 19,811 | 19,258 | 12,611 | 12,528 | 14,800 | 19,527 | 21,998 | 20,450 | 20,484 |
| Net Interest Income | -10,627 | -12,529 | -19,811 | -19,258 | -12,611 | -12,528 | -14,800 | 8,079 | 8,920 | 9,758 | — |
| 4,218 | 5,293 | 4,675 | 11,956 | 3,107 | 3,405 | 3,883 | 5,355 | 6,157 | 7,084 | 7,130 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 32,961 | 37,076 | 37,293 | 37,789 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,009 | 10,768 | 11,287 | — | |
| Operating Profit | -10,627 | -12,529 | -19,811 | -19,258 | -12,611 | -12,528 | -14,800 | 3,424 | 4,310 | 5,556 | — |
| 800 | 1,508 | 5,501 | 32,307 | 9,138 | 1,484 | 2,242 | 1,887 | 1,086 | 912 | — | |
| Profit before Tax | 5,053 | 6,205 | 2,349 | -20,838 | -4,762 | 1,434 | 981 | 1,538 | 3,224 | 4,643 | 4,870 |
| Tax % | 0.00% | 0.00% | 0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 16.42% | 24.11% | 24.36% | 22.48% |
| Net Profit | 3,340 | 4,233 | 1,709 | -16,433 | -3,489 | 1,064 | 736 | 1,285 | 2,447 | 3,512 | 3,775 |
| EPS | 15 | 18 | 7 | -56 | -2 | 0 | 0 | 0 | 1 | 1 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 8%
- 5 Years:
- 9%
- 3 Years:
- 10%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 3%
- 5 Years:
- —
- 3 Years:
- 68%
STOCK PRICE CAGR
- 10 Years:
- -21%
- 5 Years:
- 16%
- 3 Years:
- 10%
- 1 Year:
- 12%
RETURN ON EQUITY
- 10 Years:
- -2%
- 5 Years:
- 4%
- 3 Years:
- 5%
- Last Year:
- 7%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 456 | 461 | 463 | 2,510 | 5,011 | 5,011 | 5,751 | 5,754 | 6,271 | 6,276 |
| 21,583 | 25,292 | 26,424 | 19,185 | 28,127 | 28,679 | 33,989 | 35,395 | 41,442 | 44,705 | |
| 1,42,857 | 2,00,689 | 2,27,558 | 1,05,311 | 1,62,846 | 1,97,063 | 2,17,382 | 2,66,230 | 2,84,420 | 3,18,969 | |
| 38,607 | 74,894 | 1,08,424 | 1,13,791 | 63,949 | 72,340 | 77,754 | 80,508 | 71,971 | 65,451 | |
| Other Liabilities & Provisions | 11,556 | 11,115 | 17,990 | 17,036 | 13,660 | 15,476 | 19,350 | 17,469 | 19,889 | 34,621 |
| Total Liabilities | 2,15,060 | 3,12,450 | 3,80,860 | 2,57,832 | 2,73,593 | 3,18,578 | 3,55,204 | 41 | 4,24,116 | 4,70,204 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 6,952 | 11,426 | 10,798 | 5,944 | 6,813 | 43,452 | 12,864 | 18,139 | 15,260 | 16,745 | |
| Balances with Banks & Money at Call | 12,603 | 13,328 | 16,187 | 2,487 | 22,512 | 3,296 | 6,492 | 1,179 | 13,307 | 21,602 |
| 49,982 | 68,293 | 89,329 | 43,748 | 43,115 | 51,754 | 76,749 | 89,997 | 84,725 | 87,755 | |
| 1,32,263 | 2,03,519 | 2,41,397 | 1,71,433 | 1,66,805 | 1,80,959 | 2,03,237 | 2,27,799 | 2,46,120 | 2,73,445 | |
| 612 | 765 | 778 | 730 | 2,096 | 2,016 | 2,156 | 2,509 | 2,872 | 3,097 | |
| 12,574 | 15,046 | 22,319 | 33,198 | 32,190 | 36,976 | 53,411 | 66,381 | 61,625 | 67,459 | |
| Total Assets | 2,15,060 | 3,12,450 | 3,80,860 | 2,57,832 | 2,73,593 | 3,18,578 | 3,55,204 | 41 | 4,24,116 | 4,70,204 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 4,384 | -21,810 | -24,573 | -57,721 | 55,396 | 23,598 | -25,816 | 9,645 | 6,386 | 21,217 | |
| Cash from Investing | -4,474 | -8,745 | -6,294 | 14,192 | 392 | -14,511 | -12,904 | -12,431 | 8,527 | -4,971 |
| Cash from Financing | 11,429 | 35,748 | 33,039 | 25,038 | -34,942 | 8,391 | 11,450 | 2,771 | -5,651 | -6,485 |
| 11,339 | 5,193 | 2,172 | -18,491 | 20,846 | 17,478 | -27,270 | -16 | 9,262 | 9,761 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 73.17 | 18.38 | 7.38 | -13.09 | -1.39 | 0.42 | 0.26 | 0.45 | 0.78 | 1.12 |
| Book Value (₹) | 482.81 | 111.82 | 116.14 | 17.29 | 13.23 | 13.45 | 13.82 | 14.30 | 15.22 | 16.25 |
| Dividend per Share (₹) | 12.00 | 2.70 | 2.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PROFITABILITY | ||||||||||
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.40% | 2.48% | 2.44% |
| ROA % | 1.76% | 1.60% | 0.49% | -5.15% | -1.31% | 0.36% | 0.22% | 0.34% | 0.59% | 0.79% |
| ROE % | 18.66% | 17.72% | 6.49% | -67.65% | -12.73% | 3.18% | 2.00% | 3.18% | 5.51% | 7.12% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 74.51% | 71.42% | 67.01% | |
| ASSET QUALITY | ||||||||||
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.17% | 0.00% | 1.60% | 1.30% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.83% | 0.00% | 0.30% | 0.20% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | ||||||||||
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 30.91% | 34.27% | 35.10% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.30% | 0.25% | 0.21% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | ||||||||||
| Net Profit Growth % | 32.03% | 26.75% | -59.62% | -1061.38% | 78.77% | 130.50% | -30.85% | 74.66% | 90.37% | 43.55% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.50% | 6.39% | 6.76% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 51.94x | 21.65x | 15.41x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.62x | 1.11x | 1.06x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - Yes Bank Limited has informed the Exchange regarding Intimation of allotment of equity shares pursuant to exercise of stock options under YBL ESOS 2020 Scheme and YBL RSU Plan 2024
2026-09-08 - Yes Bank Limited has informed the Exchange regarding 'Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015'.
2026-09-02 - YES Bank Limited has informed the Exchange about Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - ESG Rating
2026-09-01 - YES Bank Limited has informed the Exchange about Schedule of Analyst/ Institutional Investors Meet(s) / Call(s) / VC(s) - Outcome of ASHWAMEDH - ELARA INDIA DIALOGUE 2026
2026-08-28 - Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - ESG Rating
2026-08-25 - Schedule of Analyst/ Institutional Investors Meet(s) / Call(s) / VC(s) Advance Intimation - Anand Rathi Annual Flagship Conference G-200 Summit 2026
2026-08-25 - Schedule of Analyst/ Institutional Investors Meet(s) / Call(s) / VC(s) Advance Intimation - ASHWAMEDH - ELARA INDIA DIALOGUE 2026
2026-08-25 - Yes Bank Limited has informed the Exchange regarding Intimation of allotment of equity shares pursuant to exercise of stock options under YBL ESOS 2020 Scheme and YBL RSU Plan 2024.
2026-08-24 - Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Change in Management
News
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