Yes Bank Limited

Yes Bank Limited

16.10
INR
-0.26
(-1.59%)
1.24EPS
19.49P/E
759.25BMarket Cap
Jan 18Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
24.17
27.56
34.83
47.21
55.71
59.78
13.29
4.31
3.64
3.58
4.86
5.4
5.88
5.53
Basic EPS, GAAP
8.95
9.83
12.08
15.82
18.46
7.4
-56.11
-1.65
0.42
0.28
0.45
0.79
1.12
1.24
Free Cash Flow per Basic Share
23.89
-11.96
-2.73
18.93
-96.84
-107.72
-198.96
26.02
9.25
-10.17
3.01
1.81
6.53
- -
Dividend per Share
1.2
1.42
1.8
1.99
2.39
2.7
1.58
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
39.46
55.85
65.45
96.56
111.82
116.14
17.29
13.23
13.45
14.16
14.65
15.26
16.3
16.71
Tangible Book Value per Share
39.46
55.85
65.45
96.56
111.82
116.14
17.29
13.23
13.45
14.16
14.65
15.26
16.3
16.71
Basic Weighted Avg Shares
1,801
2,032
2,095
2,111
2,293
2,309
2,928
21,184
25,055
26,160
28,759
31,155
31,371
31,585
Sales/Revenue/Turnover
43,525
56,001
72,948
99,640
127,737
138,051
38,932
91,350
91,173
93,697
139,783
168,300
184,370
174,780
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
635
863
1,118
1,726
2,324
3,055
3,419
3,600
4,033
4,334
5,456
4,934
5,776
- -
Net Income, GAAP
16,113
19,974
25,297
33,399
42,332
17,093
-164,326
-34,889
10,641
7,358
12,852
24,465
35,117
39,192
Effective Tax Rate (%)
30.54
31.18
48.48
51.31
46.57
27.23
- -
- -
34.74
25.02
16.42
24.11
24.36
22.59
Profit Margin (%)
37.02
35.67
34.68
33.52
33.14
12.38
-422.09
-38.19
11.67
7.85
9.19
14.54
19.05
22.42
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
178,123
238,204
306,590
386,067
733,936
1,084,241
617,525
585,341
652,802
710,170
788,626
708,674
654,508
685,090
Total Equity
71,152
116,655
137,624
220,396
257,525
268,874
216,950
331,383
336,990
407,182
421,552
478,357
511,631
524,411
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.89
6.61
6.33
6.36
5.3
1.46
- -
- -
1.12
0.7
1.1
2.04
2.98
3.27
Return on Common Equity (%)
24.94
21.27
19.9
18.66
17.72
6.49
-67.65
-12.73
3.18
1.98
3.1
5.44
7.1
7.82

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
31,378
31,380
31,387
Market Capitalization
678,088
541,301
759,246

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
198,845
662,779
236,114
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.13%
9.3%
6.96%
Free Cash Flow
-168.1%
-35.46%
262.78%
Net Income, GAAP
-109.38%
9.44%
43.54%
Sales/Revenue/Turnover
21.74%
16.34%
9.55%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
35,106
36,818
37,989
40,859
168,300
2026
41,943
- -
41,793
44,484
184,370
2027
46,560
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.17
0.18
0.2
0.24
0.79
2026
0.26
- -
0.3
0.34
1.12
2027
0.34
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

CEO
Vinay Muralidhar Tonse
Full Time Employees
29,577
Sector
Finance
Industry
Major banks
Address
YES BANK House Mumbai MA India 400055
IPO Date
Jul 12, 2005
Website
yesbank.in
Business
Yes Bank Limited operates as a private sector banking and financial services company in India. The bank offers a comprehensive range of products and services including retail banking products such as savings, current, and salary accounts; fixed and recurring deposits; home, car, bike, commercial vehicle, construction equipment, gold, personal, education, mortgage, and secured business loans; loans against securities and properties; rural and agricultural loans; and micro, small, and medium enterprises (MSME) loans. Corporate banking services include working capital finance, project finance, supply chain finance, agri-commodity finance, trade finance, term loans, foreign currency loans, and overseas financing. Yes Bank also provides transaction banking, cash management solutions, treasury and risk management services, debt capital markets, investment banking, and strategic advisory services. Other offerings include digital banking, payment solutions, wealth management, insurance products, merchant acquiring, remittance services, and asset management. The bank serves retail, corporate, institutional, MSME, high net worth individuals, non-resident Indians (NRIs), cooperative banks, and government entities through a network of branches and digital platforms primarily across India, with a representative office in Abu Dhabi. Recent strategic developments include Yes Bank’s expansion plans to add 100 new branches in fiscal year 2026 aimed at increasing financial inclusion in underserved regions, and a continued focus on digital banking leadership where it commands a significant market share in UPI transactions. The bank has been restructuring its organizational approach to enhance operational efficiency and customer experience, which includes portfolio reshuffling and senior management changes. It has also been optimizing its retail asset portfolio while addressing legacy non-performing asset issues and maintaining strong provision coverage. Emphasis is on growing profitable retail and SME segments, improving asset quality, and achieving fee income growth through enhanced product mix and sourcing channels. These efforts follow substantial balance sheet cleaning and recovery steps since 2022, reinforcing its financial position. Yes Bank Limited was founded in 2004 and is headquartered in Mumbai, India. It operates through distinct segments—Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations—and maintains a significant presence across all states and union territories in India through thousands of branches. The bank’s recent activities reflect a strategic focus on growth, operational efficiency, and innovation in both physical and digital banking channels, underpinned by the aim to expand its market share in India's evolving banking sector.