Yes Bank Limited (YESBANK) AI Stock Analysis

• Market Cap: ₹657.22B
• Dividend Yield: N/A
• Average Volume (3M): 11.45M
• Price to Earnings (P/E): 24.0
• Beta (1Y): 1.09
• Revenue Growth: 9.29%
• EPS Growth: 77.92%
• Country: IN
• Employees: 28,001
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.25
• Shares Outstanding: 31,370,861,000
• 10 Day Avg. Volume: 11,588,935
• 30 Day Avg. Volume: 11,445,175
• PEG Ratio: 0.29
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 1.45
• P/FCF Ratio: -4.28
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹19.50
• Price Target Upside: -6.92% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 2

• Rating: 60 Neutral
• Price Target: ₹20.50 ▼(-2.15% 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 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 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 Money

YESBANK generates revenue through a diversified business model that includes interest income from loans and advances, fees and commissions from banking services, and income from treasury operations. Interest income is the primary revenue stream, derived from personal loans, mortgages, business loans, and other credit facilities extended to individuals and businesses. Additionally, the bank earns non-interest income through transaction fees, service charges, and wealth management services. Treasury operations contribute to its earnings through investments in securities, foreign exchange transactions, and other financial instruments. Strategic partnerships and digital initiatives further enhance their revenue potential by broadening service offerings and customer reach.

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	370.76B	370.76B	329.61B	241.69B	216.46B	217.46B
Gross Profit	150.77B	150.77B	134.34B	93.70B	91.17B	91.35B
EBITDA	32.24B	37.17B	20.83B	14.15B	14.67B	-31.29B
Net Income	24.46B	24.46B	12.85B	7.36B	10.64B	-34.89B
Balance Sheet
Total Assets	4.24T	4.24T	4.06T	3.55T	3.19T	2.74T
Cash, Cash Equivalents and Short-Term Investments	285.67B	285.67B	634.06B	193.56B	639.52B	119.29B
Total Debt	719.71B	719.71B	911.56B	891.19B	873.57B	817.92B
Total Liabilities	3.76T	3.76T	3.64T	3.14T	2.85T	2.40T
Stockholders Equity	478.32B	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	56.64B
Financing Cash Flow	0.00	125.39B	516.18B	114.50B	426.08B	225.93B

Yes Bank Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 20.95 is above the 20-day moving average (MA) of 20.74, above the 50-day MA of 19.84, and above the 200-day MA of 19.24, indicating a bullish trend. The MACD of 0.43 indicates Positive momentum. The RSI at 58.13 is Neutral, neither overbought nor oversold. The STOCH value of 43.98 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BANKINDIA	67 Neutral	529.25B	5.74	11.83%	3.48%	18.55%	31.54%
ABCAPITAL	64 Neutral	728.61B	21.33	10.97%	―	14.14%	-1.33%
YESBANK	60 Neutral	₹657.22B	23.98	―	―	9.29%	77.92%
FEDERALBNK	60 Neutral	466.53B	11.71	12.04%	0.63%	15.26%	-1.94%
IDFCFIRSTB	56 Neutral	503.43B	39.85	3.91%	0.36%	17.19%	-57.11%
INDUSINDBK	51 Neutral	555.36B	57.18	3.97%	2.23%	-2.45%	-88.84%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Yes Bank Limited Corporate Events

Yes Bank Increases Share Capital Through Stock Option Allotment

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.