Yes Bank Limited (IN:YESBANK)
:YESBANK
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Yes Bank Limited
(YESBANK)
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Rating:68Neutral
Price Target:
₹21.00
▲(10.01% Upside)
Action:ReiteratedDate:10/23/25
Yes Bank's stock score is driven by strong technical indicators and improved financial performance, despite challenges in cash flow and leverage. The stock's valuation is moderate, with no dividend yield to enhance appeal. The absence of earnings call and corporate events data limits further insights.
Positive Factors
Diversified Business Model
Yes Bank’s product and client breadth — retail, MSME and corporate banking plus payments, trade finance, cards and treasury — creates multiple, durable revenue streams. This reduces revenue concentration risk, supports fee and interest income stability, and improves resilience through business cycles.
Negative Factors
High Leverage
A 1.5 debt-to-equity ratio signals material leverage for a bank; elevated leverage limits loss-absorbing capacity and increases exposure to funding shocks or credit deterioration. Persistent high leverage can amplify earnings volatility and constrain strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Business Model
Yes Bank’s product and client breadth — retail, MSME and corporate banking plus payments, trade finance, cards and treasury — creates multiple, durable revenue streams. This reduces revenue concentration risk, supports fee and interest income stability, and improves resilience through business cycles.
Read all positive factors
Yes Bank Limited (YESBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹599.04B
Dividend YieldN/A
Average Volume (3M)9.70M
Price to Earnings (P/E)17.7
Beta (1Y)1.21
Revenue Growth5.15%
EPS Growth52.75%
CountryIN
Employees28,001
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.30
Shares Outstanding31,379,758,000
10 Day Avg. Volume7,428,936
30 Day Avg. Volume9,702,290
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.12
Price to Sales (P/S)1.38
P/FCF Ratio-4.28
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹17.00Price Target Upside-10.95% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering1
EPS Forecast (FY)1.32
Revenue Forecast (FY)₹188.41B
Yes Bank Limited Business Overview & Revenue Model
Company Description
Yes Bank Limited provides various banking and financial products and services primarily in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers corporate bankin...
How the Company Makes Money
Yes Bank primarily makes money through a mix of interest-based income and fee-based income typical of commercial banks.
1) Net interest income (core lending and deposits)
- Interest on loans and advances: The bank earns interest from credit produ...
Yes Bank Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 392.61B | 388.28B | 335.06B | 241.69B | 216.46B | 217.46B |
| Gross Profit | 175.14B | 168.30B | 139.78B | 93.70B | 91.17B | 91.35B |
| EBITDA | 36.18B | 37.17B | 20.83B | 14.15B | 14.67B | -31.29B |
| Net Income | 27.39B | 24.46B | 12.85B | 7.36B | 10.64B | -34.89B |
Balance Sheet | ||||||
| Total Assets | 4.11T | 4.24T | 4.06T | 3.55T | 3.19T | 2.74T |
| Cash, Cash Equivalents and Short-Term Investments | 245.55B | 285.67B | 634.06B | 193.56B | 28.28B | 119.29B |
| Total Debt | 672.35B | 719.71B | 911.56B | 891.19B | 873.57B | 817.92B |
| Total Liabilities | 3.63T | 3.76T | 3.64T | 3.14T | 2.85T | 2.40T |
| Stockholders Equity | 487.05B | 478.32B | 421.55B | 407.18B | 336.99B | 331.38B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -125.46B | 86.64B | -266.08B | 231.87B | 498.54B |
| Operating Cash Flow | 0.00 | -118.04B | 96.45B | -258.16B | 235.98B | 501.24B |
| Investing Cash Flow | 0.00 | 85.27B | -124.31B | -129.04B | -145.11B | 3.92B |
| Financing Cash Flow | 0.00 | 125.39B | 516.18B | 114.50B | 426.08B | 225.93B |
Yes Bank Limited Technical Analysis
Neutral
19.09
Price Trends
19.95
Negative
21.11
Negative
20.91
Negative
Market Momentum
-0.39
Negative
51.31
Neutral
93.28
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:YESBANK, the sentiment is Neutral. The current price of 19.09 is above the 20-day moving average (MA) of 18.47, below the 50-day MA of 19.95, and below the 200-day MA of 20.91, indicating a neutral trend. The MACD of -0.39 indicates Negative momentum. The RSI at 51.31 is Neutral, neither overbought nor oversold. The STOCH value of 93.28 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:YESBANK.
Yes Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹673.34B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
68 Neutral | ₹599.04B | 17.71 | ― | ― | 5.15% | 52.75% | |
63 Neutral | ₹895.38B | 24.77 | ― | ― | 7.07% | -13.03% | |
62 Neutral | ₹647.13B | 131.74 | ― | 1.95% | -7.44% | -109.30% | |
61 Neutral | ₹711.59B | 15.03 | ― | 0.45% | 10.62% | -5.21% | |
61 Neutral | ₹569.60B | 38.44 | ― | 0.29% | 14.45% | -41.85% |
* Financial Sector Average
IN:YESBANK
Yes Bank Limited
19.09
1.57
8.96%
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341.80
151.05
79.19%
IN:BANKINDIA
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147.90
40.40
37.58%
IN:FEDERALBNK
Federal Bank Ltd. (India)
291.80
101.06
52.98%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
66.22
4.48
7.26%
IN:INDUSINDBK
IndusInd Bank Ltd.
830.60
94.75
12.88%
Yes Bank Limited Corporate Events
Yes Bank Increases Paid-Up Capital Through Employee Stock Option Allotment
Apr 9, 2026
Yes Bank has allotted 459,317 equity shares of Rs. 2 each following the exercise of employee stock options under its ESOS 2020 scheme and RSU Plan 2024, raising Rs. 61.55 lakh in proceeds. As a result of this allotment, the bank’s paid-up sh...
Yes Bank appoints Vinay Tonse as new MD & CEO after Prashant Kumar’s tenure ends
Apr 6, 2026
Yes Bank has announced a leadership transition at the top, with Managing Director and Chief Executive Officer Prashant Kumar stepping down on April 5, 2026, upon completion of his tenure and simultaneously ceasing to be a director on the board. Th...
Yes Bank updates key personnel list for market disclosures under SEBI norms
Apr 6, 2026
Yes Bank Limited has updated the list of key managerial personnel authorised to determine the materiality of events or information and to make requisite disclosures to stock exchanges. The move aligns the bank’s governance framework with Reg...
Yes Bank Posts Double-Digit Growth in Loans and Deposits in Q4 FY26
Apr 4, 2026
Yes Bank reported provisional operational figures for the quarter ended March 31, 2026, showing loans and advances rising 10.7% year-on-year to ₹272,454 crore and deposits increasing 12.1% to ₹318,970 crore. The bank’s current an...
Yes Bank appoints veteran risk executive S. Anantharaman as Chief Risk Officer
Apr 1, 2026
Yes Bank has appointed veteran risk professional S. Anantharaman as its Chief Risk Officer with effect from April 1, 2026, in a move that underscores the lender’s focus on strengthening its risk governance framework. The appointment, disclos...
Yes Bank Allots Shares Under ESOP and RSU Plans, Slightly Ups Paid-Up Capital
Mar 6, 2026
Yes Bank has informed the exchanges that its Nomination and Remuneration Committee approved the allotment of 178,130 equity shares on March 6, 2026 under its YBL ESOS 2020 Scheme and YBL RSU Plan 2024, following the exercise of an equal number of ...
Yes Bank details investor meetings at Kotak ‘Chasing Growth 2026’ conference
Feb 26, 2026
Yes Bank Limited, a leading private sector lender in India, continues to position itself as an actively followed name among global and domestic institutional investors, reflecting its efforts to maintain transparency and engagement with the capita...
Yes Bank details limited impact of unauthorized forex card transactions
Feb 26, 2026
Yes Bank has clarified that its multi-currency prepaid forex cards, issued in partnership with BookMyForex, were targeted by a series of unauthorized online transactions routed through 15 merchants in a Latin American country that does not require...
Yes Bank Updates Markets on Outcome of Goldman Sachs Asia Financials Investor Meetings
Feb 25, 2026
Yes Bank Limited disclosed the outcome of its participation in the Goldman Sachs 2026 Asia Financials Corporate Day, where it held a virtual group meeting with a roster of major global institutional investors on February 25, 2026. The bank emphasi...
Yes Bank details outcome of Deutsche Bank India Credit Connect 2026 investor meet
Feb 24, 2026
Yes Bank Limited disclosed the outcome of its participation in the “Deutsche Bank India Credit Connect – 2026” conference held on February 24, 2026 in Mumbai, where it met a broad group of global institutional investors and asset...
Yes Bank Submits Latest Investor Presentation to Indian Stock Exchanges
Feb 24, 2026
Yes Bank Limited has submitted its latest investor presentation to the National Stock Exchange of India and BSE in compliance with SEBI disclosure regulations. The bank has requested the exchanges to place the presentation on record and disseminat...
Yes Bank Allots 33,500 Shares on Employee Stock Option Exercise
Feb 19, 2026
Yes Bank has allotted 33,500 equity shares with a face value of ₹2 each following the exercise of employee stock options under its 2020 ESOS scheme and 2024 RSU plan. The allotment, approved by the bank’s Nomination and Remuneration Co...
Yes Bank Details Investor Meetings at Nuvama India Conference
Feb 9, 2026
Yes Bank Limited participated in the Nuvama India Investor Conference titled “India: Shoring up Self-Reliance,” engaging with a wide set of institutional investors and asset managers in Mumbai. The bank held a series of physical group ...
Yes Bank Receives ₹282 Crore Under One-Time NPA Settlement
Feb 6, 2026
Yes Bank Limited has reported the receipt of INR 282 crore under a one-time settlement agreement for a non-performing advance, against a total agreed settlement amount of INR 288 crore. The bank expects to receive the remaining balance shortly and...
RBI Clears Six-Month Extension for YES Bank Executive Director Rajan Pental
Jan 21, 2026
YES Bank has received approval from the Reserve Bank of India to reappoint Dr. Rajan Pental as Executive Director for a further six-month term from 2 February 2026 to 31 July 2026, aligning with his superannuation date and subject to shareholder a...
Yes Bank Board Clears Q3 FY2025-26 Results, Confirms Full Utilisation of Debt Proceeds
Jan 17, 2026
Yes Bank Limited’s board has approved the unaudited standalone and consolidated financial results for the third quarter and nine months ended 31 December 2025, complying with key disclosure and reporting norms under the Securities and Exchan...
Yes Bank Board Clears Q3 FY26 Unaudited Results, Confirms Full Use of Debt Proceeds
Jan 17, 2026
Yes Bank Limited’s board of directors met on January 17, 2026 and approved the unaudited standalone and consolidated financial results for the third quarter and nine months ended December 31, 2025, along with the limited review report from i...
Yes Bank Posts Robust Q3FY26 Results as Profit, Asset Quality and CASA Strengthen
Jan 17, 2026
Yes Bank reported a strong set of numbers for the third quarter and nine months ended 31 December 2025, with net profit for Q3FY26 rising 55.4% year-on-year to ₹952 crore and return on assets reaching 0.9%, or 1.0% excluding a one-off gratui...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.