NSEI:YESBANK

Stock Analysis Report

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Executive Summary

Yes Bank Limited provides banking and financial services primarily in India. More Details


Snowflake Analysis

Imperfect balance sheet with weak fundamentals.


Similar Companies

Share Price & News

How has Yes Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: YESBANK's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-3.8%

YESBANK

-2.1%

IN Banks

1.3%

IN Market


1 Year Return

-74.8%

YESBANK

-27.3%

IN Banks

4.3%

IN Market

Return vs Industry: YESBANK underperformed the Indian Banks industry which returned -27.3% over the past year.

Return vs Market: YESBANK underperformed the Indian Market which returned 4.3% over the past year.


Shareholder returns

YESBANKIndustryMarket
7 Day-3.8%-2.1%1.3%
30 Day-11.1%-1.1%2.0%
90 Day-50.0%1.0%13.8%
1 Year-74.8%-74.8%-27.3%-27.3%6.3%4.3%
3 Year-96.0%-96.1%-42.2%-42.8%4.4%-0.5%
5 Year-89.9%-90.3%-17.9%-19.7%46.1%35.1%

Price Volatility Vs. Market

How volatile is Yes Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Yes Bank undervalued compared to its fair value and its price relative to the market?

0.81x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate YESBANK's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate YESBANK's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: YESBANK is unprofitable, so we can't compare its PE Ratio to the IN Banks industry average.

PE vs Market: YESBANK is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate YESBANK's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: YESBANK's PB Ratio (0.8x) is in line with the IN Banks industry average.


Next Steps

Future Growth

How is Yes Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

25.2%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Yes Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Yes Bank performed over the past 5 years?

-67.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: YESBANK is currently unprofitable.

Growing Profit Margin: YESBANK is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: YESBANK is unprofitable, and losses have increased over the past 5 years at a rate of 67% per year.

Accelerating Growth: Unable to compare YESBANK's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: YESBANK is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (11.8%).


Return on Equity

High ROE: YESBANK has a negative Return on Equity (-76.03%), as it is currently unprofitable.


Next Steps

Financial Health

How is Yes Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: YESBANK's Assets to Equity ratio (11.9x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if YESBANK has a sufficient allowance for bad loans.

Low Risk Liabilities: 55% of YESBANK's liabilities are made up of primarily higher risk sources of funding.

Loan Level: YESBANK has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: YESBANK's Loans to Deposits ratio (163%) is high.

Level of Bad Loans: YESBANK has a high level of bad loans (19.2%).


Next Steps

Dividend

What is Yes Bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate YESBANK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate YESBANK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if YESBANK's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if YESBANK's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: YESBANK is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of YESBANK's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.9yrs

Average management tenure


CEO

Prashant Kumar (59 yo)

0.50

Tenure

₹4,615,761

Compensation

Mr. Prashant Kumar has been Chief Executive Officer, Managing Director and Executive Director of YES BANK Ltd. since March 26, 2020. He served as Deputy Managing Director of HR, Corporate Development Offic ...


CEO Compensation Analysis

Compensation vs Market: Prashant's total compensation ($USD62.76K) is below average for companies of similar size in the Indian market ($USD776.05K).

Compensation vs Earnings: Insufficient data to compare Prashant's compensation with company performance.


Leadership Team

NamePositionTenureCompensationOwnership
Prashant Kumar
CEO, MD & Director0.50yr₹4.62m0.000060%
₹ 210.5k
Anurag Adlakha
Group CFO & Senior Group President II1.08yrsno data0.0062%
₹ 21.9m
Anita Pai
Senior Group President & COO0.92yrno data0.00050%
₹ 1.8m
Vinod Bahety
Senior Group President & Global Head of Corporate Finance Infrastructure Bankingno datano data0%
₹ 0
Anup Purohit
Group President & Chief Information Officerno datano data0.0012%
₹ 4.1m
Ashish Chandak
Chief Compliance Officerno datano data0.00099%
₹ 3.5m
Sanjay Nambiar
Group Presidentno datano data0.00075%
₹ 2.6m
Jasneet Bachal
Group President II & Chief Marketing Officer0.92yrno datano data
Deodutta Kurane
Senior Group President II & Head of Human Capital Managementno datano data0.0043%
₹ 14.9m
Vivek Sinha
Presidentno datano datano data
Nikhil Sahni
Senior Group President II & National Head of Branch Bankingno datano data0.00098%
₹ 3.4m
R. Ravichander
Head of Business Development of South & Group Presidentno datano datano data

0.9yrs

Average Tenure

Experienced Management: YESBANK's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Prashant Kumar
CEO, MD & Director0.50yr₹4.62m0.000060%
₹ 210.5k
Sunil Mehta
Non-Executive Chairman0.50yr₹190.32k0.00077%
₹ 2.7m
Rama Gandhi
Additional Director0.50yr₹2.65m0.000060%
₹ 210.5k
Mahesh Krishnamurti
Non-Executive Director0.50yr₹150.00k0%
₹ 0
Ananth Gopalakrishnan
Additional Director0.50yr₹100.00k0.000060%
₹ 210.5k
Swaminathan Janakiraman
Nominee Director0.50yr₹150.00k0%
₹ 0
Atul Bheda
Non-Executive Director0.50yr₹150.00k0.000060%
₹ 210.5k
V. Radhakrishnan
Nominee Director0.17yrno datano data

0.5yrs

Average Tenure

58yo

Average Age

Experienced Board: YESBANK's board of directors are not considered experienced ( 0.5 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: YESBANK insiders have sold more shares than they have bought in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 882.4%.


Top Shareholders

Company Information

Yes Bank Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Yes Bank Limited
  • Ticker: YESBANK
  • Exchange: NSEI
  • Founded: 2003
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹350.769b
  • Shares outstanding: 25.05b
  • Website: https://www.yesbank.in

Number of Employees


Location

  • Yes Bank Limited
  • Yes Bank Tower, IFC - 2
  • 15th Floor
  • Mumbai
  • Maharashtra
  • 400013
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532648BSE (Mumbai Stock Exchange)YesEquity SharesININRJul 2005
YESBANKNSEI (National Stock Exchange of India)YesEquity SharesININRJul 2005

Biography

Yes Bank Limited provides banking and financial services primarily in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company of ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/19 19:30
End of Day Share Price2020/09/18 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.