tiprankstipranks
Trending News
More News >
Yes Bank Limited (IN:YESBANK)
:YESBANK
India Market
Advertisement

Yes Bank Limited (YESBANK) AI Stock Analysis

Compare
21 Followers

Top Page

IN:YESBANK

Yes Bank Limited

(YESBANK)

Select Model
Select Model
Select Model
Neutral 60 (OpenAI - 4o)
Rating:60Neutral
Price Target:
₹20.50
▼(-8.56% Downside)
Yes Bank's stock score reflects its improved financial performance with enhanced profitability and revenue growth. However, high leverage and negative cash flow are significant risks. Technical indicators suggest a neutral trend, and valuation metrics indicate the stock is fairly priced.

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 with better margins and revenue growth. However, high leverage and negative free cash flow pose risks.
Income Statement
72
Positive
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
65
Positive
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
58
Neutral
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 Revenue375.09B370.76B329.61B241.69B216.46B217.46B
Gross Profit157.61B150.77B134.34B93.70B91.17B91.35B
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 Price22.42
Price Trends
50DMA
20.14
Positive
100DMA
20.28
Positive
200DMA
19.26
Positive
Market Momentum
MACD
0.54
Negative
RSI
73.15
Negative
STOCH
88.82
Negative
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 22.42 is above the 20-day moving average (MA) of 21.39, above the 50-day MA of 20.14, and above the 200-day MA of 19.26, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 73.15 is Negative, neither overbought nor oversold. The STOCH value of 88.82 is Negative, 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
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
₹567.72B5.983.22%18.55%31.54%
64
Neutral
₹770.69B22.8014.14%-1.33%
60
Neutral
₹691.45B25.669.29%77.92%
59
Neutral
₹484.92B12.080.58%15.26%-1.94%
57
Neutral
₹577.49B57.232.23%-2.45%-88.84%
56
Neutral
₹527.72B40.950.34%17.19%-57.11%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:YESBANK
Yes Bank Limited
22.42
1.01
4.72%
IN:ABCAPITAL
Aditya Birla Capital Ltd.
298.05
77.10
34.89%
IN:BANKINDIA
Bank of India
125.75
23.95
23.53%
IN:FEDERALBNK
Federal Bank Ltd. (India)
207.30
21.08
11.32%
IN:IDFCFIRSTB
IDFC First Bank Ltd.
73.45
1.31
1.82%
IN:INDUSINDBK
IndusInd Bank Ltd.
748.85
-598.85
-44.43%

Yes Bank Limited Corporate Events

Yes Bank Increases Share Capital Through Stock Option Allotment
Jul 3, 2025

Yes Bank Limited has announced the allotment of 1,629,450 equity shares following the exercise of stock options under its YBL ESOS 2020 Scheme. This move has increased the bank’s paid-up share capital, reflecting a strategic effort to enhance its financial structure and potentially 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: Sep 02, 2025