YESBANK:NSE-Yes Bank Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 16.30

Change

+0.55 (+3.49)%

Market Cap

INR 397.12B

Volume

0.18B

Average Target Price

INR 12.50 (-23.31%)
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

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 offers corporate banking services, such as working capital finance, term loans, corporate finance, trade finance and cash management services, debt capital markets, treasury, liquidity management, and other services. It also provides retail banking products, including secured business, home, car, super bike, commercial vehicle, construction equipment, gold, and personal 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 banks, non-banking finance and housing finance companies, asset finance companies, insurance intermediaries, small finance and payment banks, mutual funds, financial institutions, private equity funds, cooperative and regional rural banks, capital market participants, primary dealers, depositories, AD II license holders, money changers, PPI operators, and payment aggregators. Further, it provides debit and credit cards, current and savings accounts, and mobile banking services; and transaction banking services comprising escrow, trade finance, supply chain finance, foreign exchange, and bullion trading. Additionally, the company offers loan syndication services; investment banking services, including mergers and acquisition advisory, and capital advisory services; and micro-credit, micro saving, micro-insurance, and remittance services. As of March 31, 2020, it operated 1,135 branches; 2 national operating centers; and 1,423 ATMs and bunch note acceptors. The company was incorporated in 2003 and is headquartered in Mumbai, India.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-01 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

+24.50 (+1.60%)

INR8,472.61B 27.62 N/A
ICICIBANK:NSE ICICI Bank Limited

+10.60 (+1.77%)

INR4,191.96B 27.68 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

+65.05 (+3.65%)

INR3,548.75B 37.79 N/A
SBIN:NSE State Bank of India

+4.80 (+1.23%)

INR3,491.75B 15.05 N/A
AXISBANK:NSE Axis Bank Limited

+3.75 (+0.52%)

INR2,221.31B 70.76 N/A
INDUSINDBK:NSE IndusInd Bank Limited

+5.00 (+0.47%)

INR821.71B 32.78 N/A
BANDHANBNK:NSE Bandhan Bank Limited

-6.85 (-1.98%)

INR554.85B 21.19 N/A
PNB:NSE Punjab National Bank

-0.05 (-0.12%)

INR430.11B 34.64 N/A
BANKBARODA:NSE Bank of Baroda

-2.05 (-2.40%)

INR393.67B 14.32 N/A
IDFCFIRSTB:NSE IDFC First Bank Limited

N/A

INR359.42B 79.69 N/A

ETFs Containing YESBANK

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -9.44% 9% F 19% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -9.44% 9% F 19% F
Trailing 12 Months  
Capital Gain -48.34% 3% F 1% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -48.34% 3% F 1% F
Trailing 5 Years  
Capital Gain -89.21% 4% F 6% F
Dividend Return 6.02% 61% D- 53% F
Total Return -83.18% 4% F 8% F
Average Annual (5 Year Horizon)  
Capital Gain -27.13% 6% F 8% F
Dividend Return 0.73% 70% C- 52% F
Total Return -26.40% 9% F 8% F
Risk Return Profile  
Volatility (Standard Deviation) 51.48% 9% F 31% F
Risk Adjusted Return -51.28% 30% F 17% F
Market Capitalization 397.12B 76% C 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.63 97% A+ 79% C+
Price/Book Ratio 1.07 53% F 62% D-
Price / Cash Flow Ratio 0.62 21% F 75% C
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -48.85% 3% F 5% F
Return on Invested Capital 2.91% 88% B+ 38% F
Return on Assets -5.28% 3% F 7% F
Debt to Equity Ratio 524.50% 3% F 3% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.24 32% F 31% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector