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Yes Bank Limited (IN:YESBANK)
:YESBANK
India Market

Yes Bank Limited (YESBANK) AI Stock Analysis

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IN:YESBANK

Yes Bank Limited

(YESBANK)

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Neutral 68 (OpenAI - 4o)
Rating:68Neutral
Price Target:
₹25.00
▲(12.16% Upside)
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
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Profitability Improvement
Improved profitability margins reflect efficient cost management and enhanced operational efficiency, contributing to sustainable growth.
Stockholders' Equity
Increasing stockholders' equity strengthens the balance sheet, providing a buffer against potential financial downturns and supporting future growth.
Negative Factors
High Leverage
High leverage can increase financial risk, potentially impacting the bank's ability to navigate adverse market conditions and limiting strategic flexibility.
Negative Free Cash Flow
Persistent negative free cash flow indicates liquidity stress and challenges in converting net income into cash, which could hinder operational and strategic initiatives.
Cash Management Issues
Negative operating cash flow to net income ratio highlights inefficiencies in cash management, posing risks to the bank's financial health and operational stability.

Yes Bank Limited (YESBANK) vs. iShares MSCI India ETF (INDA)

Yes Bank Limited Business Overview & Revenue Model

Company DescriptionYes 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 banking services, such as working capital finance, term loans, trade finance and cash management services, debt capital markets, treasury, investment banking solution, foreign currency loans and overseas financing, liquidity management, and other services. It also provides retail banking products, including home, car, super bike, commercial vehicle, construction equipment, gold, personal, and secured business loans, as well as loans against securities; health care and printing equipment finance; and business banking services to micro, small, and medium enterprises. In addition, the company offers financial and advisory services to ministries under the union and state governments, central and state public sector undertakings, boards, and other affiliates; and banking solutions to cooperative banks, mutual funds, stock brokers, non-banking finance companies (NBFCs), payment aggregators, regulated payment operators, and other financial institutions. Further, it provides debit and credit cards, current and savings accounts, fixed and recurring deposits, wealth management and insurance products, and mobile and online banking services; transaction banking services; mergers and acquisition advisory, and private equity/structured debt financing; and remittance solutions. As of March 31, 2022, it operated 1,122 branches; and 1,244 ATMs and bunch note acceptors/recyclers. The company was incorporated in 2003 and is headquartered in Mumbai, India.
How the Company Makes MoneyYes Bank generates revenue primarily through interest income from lending activities and fees from various banking services. The bank earns interest on loans provided to individuals and businesses, which constitutes a significant portion of its revenue. Additionally, YESBANK collects fees and commissions from services such as account maintenance, transaction processing, and wealth management. The bank also engages in treasury operations, which include trading in government securities and foreign exchange, contributing to its earnings. Strategic partnerships with fintech companies and other financial institutions enhance its product offerings and customer reach, further supporting its revenue streams.

Yes Bank Limited Financial Statement Overview

Summary
Yes Bank has shown significant improvement in profitability and revenue growth. However, high leverage and negative free cash flow pose risks, indicating areas for improvement in cash management and financial stability.
Income Statement
Yes Bank has shown significant improvement in its financial performance over the years. The gross profit margin has improved to 40.67%, indicating efficient cost management. The net profit margin stands at 6.60% for the latest year, reflecting better profitability compared to negative margins in earlier years. Revenue growth has been robust, with a 12.48% increase from the previous year. Both EBIT and EBITDA margins have improved, indicating enhanced operational efficiency.
Balance Sheet
Yes Bank's balance sheet reflects moderate financial health with a debt-to-equity ratio of 1.50, which is substantial but manageable. Stockholders' equity has been improving, contributing to an equity ratio of 11.28%. Return on equity is 5.11%, indicating a moderate return on shareholder investments. However, the bank remains leveraged, posing potential risks if market conditions deteriorate.
Cash Flow
The cash flow analysis reveals challenges with negative free cash flow, reflecting -¥125.46 billion in the latest year, indicating potential liquidity stress. The operating cash flow to net income ratio is negative, highlighting operational cash management issues. The free cash flow to net income ratio is also negative, suggesting that the bank is not converting net income into cash effectively. Despite these challenges, the bank's financing activities show a positive inflow, which could support liquidity.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue392.61B370.76B329.61B241.69B216.46B217.46B
Gross Profit175.14B150.77B134.34B93.70B91.17B91.35B
EBITDA36.18B37.17B20.83B14.15B14.67B-31.29B
Net Income27.39B24.46B12.85B7.36B10.64B-34.89B
Balance Sheet
Total Assets4.11T4.24T4.06T3.55T3.19T2.74T
Cash, Cash Equivalents and Short-Term Investments245.55B285.67B634.06B193.56B28.28B119.29B
Total Debt672.35B719.71B911.56B891.19B873.57B817.92B
Total Liabilities3.63T3.76T3.64T3.14T2.85T2.40T
Stockholders Equity487.05B478.32B421.55B407.18B336.99B331.38B
Cash Flow
Free Cash Flow0.00-125.46B86.64B-266.08B231.87B498.54B
Operating Cash Flow0.00-118.04B96.45B-258.16B235.98B501.24B
Investing Cash Flow0.0085.27B-124.31B-129.04B-145.11B3.92B
Financing Cash Flow0.00125.39B516.18B114.50B426.08B225.93B

Yes Bank Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price22.29
Price Trends
50DMA
22.34
Positive
100DMA
21.78
Positive
200DMA
20.60
Positive
Market Momentum
MACD
0.18
Negative
RSI
58.19
Neutral
STOCH
77.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:YESBANK, the sentiment is Positive. The current price of 22.29 is above the 20-day moving average (MA) of 21.97, below the 50-day MA of 22.34, and above the 200-day MA of 20.60, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 58.19 is Neutral, neither overbought nor oversold. The STOCH value of 77.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:YESBANK.

Yes Bank Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
₹664.46B6.892.87%14.34%20.97%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
68
Neutral
₹716.68B25.255.15%52.75%
64
Neutral
₹621.93B15.890.45%10.62%-5.21%
63
Neutral
₹925.60B28.287.07%-13.03%
62
Neutral
₹687.22B-90.511.95%-7.44%-109.30%
61
Neutral
₹739.57B45.300.29%14.45%-41.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:YESBANK
Yes Bank Limited
22.84
5.72
33.41%
IN:ABCAPITAL
Aditya Birla Capital Ltd.
353.65
183.95
108.40%
IN:BANKINDIA
Bank of India
145.95
58.77
67.41%
IN:FEDERALBNK
Federal Bank Ltd. (India)
255.25
68.63
36.78%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
86.04
26.93
45.56%
IN:INDUSINDBK
IndusInd Bank Ltd.
882.10
-59.35
-6.30%

Yes Bank Limited Corporate Events

Yes Bank Reschedules Participation in Deutsche Bank India Credit Connect 2026 Investor Meetings
Dec 26, 2025

Yes Bank Limited has announced a revised schedule for its participation in the Deutsche Bank India Credit Connect 2026 conference, where it will hold group and one-on-one physical meetings with analysts and institutional investors in Mumbai and Delhi from February 23 to 25, 2026. The bank emphasized that the timetable may change due to exigencies and clarified that no unpublished price-sensitive information will be shared, underscoring its adherence to disclosure regulations while maintaining active engagement with the investment community.

Yes Bank Faces Rs 3.3 Crore GST Penalty, Plans to Contest Order
Dec 26, 2025

Yes Bank Limited has disclosed that it received an order from the Uttar Pradesh Goods and Services Tax department relating to financial year 2021-22, imposing a penalty of Rs 3.3 crore under Section 73 of the Central and Uttar Pradesh GST Acts, in addition to tax demand and applicable interest on various GST-related issues. The bank maintains that it has strong factual and legal grounds to challenge the order and does not currently anticipate any material impact on its financial or operational activities; it plans to contest the demand through appropriate legal appeals within the prescribed timelines, signalling a controlled compliance and litigation response for stakeholders monitoring regulatory risk.

Yes Bank Engages with Global Investors in Hong Kong Meetings
Dec 5, 2025

Yes Bank Limited disclosed the outcome of a series of analyst and institutional investor meetings held on December 5, 2025. The meetings, which included prominent financial institutions such as HSBC Global Asset Management and UBS Securities, were conducted in Hong Kong. The bank confirmed that no unpublished price-sensitive information was shared during these meetings, ensuring compliance with regulatory standards.

Yes Bank Engages with Institutional Investors to Strengthen Market Position
Dec 4, 2025

Yes Bank Limited recently held a series of meetings with institutional investors and analysts, including UBS Securities India Private Limited, to discuss the bank’s current and future strategies. These meetings, conducted both physically and virtually, did not disclose any unpublished price-sensitive information, ensuring compliance with regulatory requirements. The outcome of these meetings is expected to strengthen Yes Bank’s relationships with key stakeholders and enhance its market positioning.

Yes Bank Engages with Analysts and Investors in Strategic Meetings
Dec 3, 2025

Yes Bank Limited recently held a series of meetings with analysts and institutional investors, organized by UBS Securities India Private Limited. These meetings, conducted both physically and virtually, involved various prominent asset management firms and were aimed at discussing the bank’s current performance and future strategies. Importantly, no unpublished price-sensitive information was disclosed during these interactions, ensuring compliance with regulatory requirements.

Yes Bank Engages with Global Investors in Singapore
Dec 2, 2025

Yes Bank Limited announced the outcomes of a series of meetings with analysts and institutional investors held on December 2, 2025, in Singapore. The meetings, which included prominent financial institutions such as Manulife Investment Management, Goldman Sachs Asset Management, and BlackRock, were conducted to discuss the bank’s strategies and performance. Importantly, no unpublished price-sensitive information was disclosed during these meetings, ensuring compliance with regulatory requirements.

Yes Bank Engages with Analysts and Investors in Singapore
Dec 1, 2025

Yes Bank Limited has announced the outcome of a series of meetings with analysts and institutional investors, held on December 1, 2025, in Singapore. The meetings, which included group and one-on-one sessions with prominent asset management firms, were conducted without sharing any unpublished price-sensitive information. This engagement reflects Yes Bank’s commitment to maintaining transparency and fostering strong relationships with key stakeholders in the financial sector.

Yes Bank Releases Investor Presentation for Regulatory Compliance
Nov 29, 2025

Yes Bank Limited has submitted an investor presentation to the National Stock Exchange of India and BSE Limited as part of its compliance with SEBI regulations. This submission is a routine disclosure aimed at maintaining transparency with stakeholders and keeping them informed about the bank’s financial and operational status.

Yes Bank Schedules Investor Meetings in Singapore and Hong Kong
Nov 21, 2025

Yes Bank Limited has announced a schedule for upcoming meetings with analysts and institutional investors, organized by UBS Securities India Private Limited. These meetings, which will take place in Singapore and Hong Kong in early December 2025, are intended to engage with investors and analysts, although no unpublished price-sensitive information will be disclosed. This initiative highlights Yes Bank’s commitment to maintaining transparency and fostering strong relationships with its stakeholders.

Yes Bank Schedules Investor Meetings in Asia
Nov 21, 2025

Yes Bank Limited has announced a schedule for upcoming meetings with analysts and institutional investors, set to take place in Singapore and Hong Kong in early December 2025. These meetings are part of the bank’s ongoing efforts to engage with stakeholders and provide updates on its operations, although no unpublished price-sensitive information will be disclosed. This initiative reflects Yes Bank’s commitment to transparency and maintaining strong investor relations, which could positively impact its market positioning.

Yes Bank Engages with Institutional Investors at Kotak Midcap Conference 2025
Nov 20, 2025

Yes Bank Limited recently participated in the Kotak Midcap Conference 2025, engaging with various institutional investors and analysts through a series of meetings. The bank emphasized that no unpublished price sensitive information was shared during these interactions, maintaining compliance with regulatory requirements. This engagement reflects Yes Bank’s ongoing efforts to strengthen its relationships with key stakeholders and enhance its visibility in the financial markets.

Yes Bank Releases Q2 FY ’26 Earnings Call Transcript
Oct 28, 2025

Yes Bank Limited has released the transcript of its earnings call for the un-audited financial results for the second quarter and half-year ending September 30, 2025. The transcript, which was discussed by the bank’s top management, including the CEO and CFO, is available on the bank’s website. This release is part of the bank’s compliance with SEBI regulations and aims to provide stakeholders with insights into the bank’s financial performance and strategic direction.

Yes Bank Announces Key Leadership Appointments and Compensation Revisions
Oct 24, 2025

Yes Bank Limited has announced the results of its postal ballot, where several key resolutions were approved by the requisite majority. These resolutions include the reappointment of Mr. Rama Subramaniam Gandhi as Non-Executive Part-Time Chairman and the appointments of Mr. Shinichiro Nishino and Mr. Rajeev Veeravalli Kannan as Non-Executive and Non-Independent Directors, representing Sumitomo Mitsui Banking Corporation. Additionally, the bank approved revised remuneration packages for its top executives, including the Managing Director and Chief Executive Officer, Mr. Prashant Kumar. This development reflects the bank’s strategic focus on strengthening its leadership team and aligning executive compensation with its growth objectives, potentially impacting its operational efficiency and stakeholder confidence.

Yes Bank Increases Equity Base with New Share Allotment
Oct 19, 2025

Yes Bank Limited has announced the allotment of 1,287,566 equity shares following the exercise of stock options under its YBL ESOS 2020 Scheme and YBL RSU Plan 2024. This move has increased the bank’s paid-up share capital, reflecting a strategic effort to enhance its equity base and potentially strengthen its market position. The exercise of these stock options has resulted in a capital realization of over Rs. 1.37 crore, indicating a positive financial impact for the bank and its stakeholders.

Yes Bank Discloses Half-Yearly Related Party Transactions
Oct 18, 2025

Yes Bank Limited has submitted its disclosure on related party transactions for the half year ending September 30, 2025, in compliance with Regulation 23(9) of SEBI’s Listing Obligations & Disclosure Requirements. This disclosure, which details transactions with entities like the State Bank of India, is crucial for maintaining transparency and regulatory compliance, impacting the bank’s operational integrity and stakeholder trust.

Yes Bank Reports Strong Q2FY26 Financial Performance with Robust Deposit and Asset Growth
Oct 18, 2025

Yes Bank Limited announced its financial results for the quarter and half-year ending September 30, 2025, showing a strong performance with a 18.3% year-on-year increase in profit after tax (PAT). The bank achieved a 6.9% year-on-year growth in total deposits and a 6.4% increase in net advances, indicating a robust deposit momentum and asset quality improvement. Additionally, the bank’s operating profit rose by 32.9% year-on-year, supported by a significant increase in non-interest income and controlled operating expenses. The bank’s asset quality improved with lower slippages and a higher provision coverage ratio. Notably, SMBC became the largest shareholder with a 24.2% stake, while SBI remains a major shareholder.

Yes Bank Enhances Share Capital Through Stock Option Allotment
Oct 7, 2025

Yes Bank Limited has announced the allotment of 12,45,046 equity shares following the exercise of stock options under the YBL ESOS 2020 Scheme and RSU Plan 2024. This move has increased the bank’s paid-up share capital, reflecting its ongoing efforts to enhance shareholder value and strengthen its market position.

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.Date of analysis: Oct 23, 2025