Y

Yes Bank Limited

YESBANKNSE
Market snapshot · 2026-08-12 13:24 UTC

₹22.98

+₹0.23 (+1.01%)

MARKET CAP

₹72.13K Cr

STOCK P/E

19.2x

52W HIGH

₹25.78

52W LOW

₹17.20

BOOK VALUE

₹16.07

EPS

₹1.20

ROE

7.47%

SECTOR

Financials

GROSS NPA

1.30%

VOLUME

6.82Cr

P/B RATIO

1.43x

NET NPA

0.20%

Sector

Financials

Themes

Private Banks
E
Earnings
₹25.41₹23.53₹21.64₹19.76₹17.87VolumeEEEEAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 8.6% above historical median. Valuation is stable — currently in the overvalued zone (z-score: +0.62). Confidence: 87%.

Live forward EPS implies next-12-month EPS of ₹1.82. Applying the stock's normalized valuation corridor produces a fair range of ₹29.14 to ₹35.18, with base value near ₹32.10 (+39.7% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹1.82

Forward P/E

12.6x

Base Fair Value

₹32.10

Fair Range

₹29.14 - ₹35.18

Upside To Base

+39.7%

Estimate Source

Live forward EPS

Growth Estimate

+11.8%

P/B
Fair

5Y Average

1.33

Current

1.43

Overvalued

1.53

Undervalued

1.13

P/E
Overvalued

5Y Average

15.61

Current

19.15

Overvalued

19.33

Undervalued

16.01

P/S
Strongly Overvalued

5Y Average

3.61

Current

4.43

Overvalued

4.15

Undervalued

3.07

Peers & Comparison

Sector: Financials · Theme: Private Banks

Private Banks Peers8 peers
Avg P/E: 22.2x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
FEDERAL BANK LTD
FEDERALBNKPrivate Banks
+21.4%30.7%
19.1x
Fair
-14% vs avg
+80.7%
IDBI BANK LIMITED
IDBIPrivate Banks
—48.6%
9.5x
Undervalued
-57% vs avg
-6.1%
IDFC FIRST BANK LIMITED
IDFCFIRSTBPrivate Banks
-1.1%32.8%
33.1x
Premium
+49% vs avg
+20.6%
BANDHAN BANK LIMITED
BANDHANBNKPrivate Banks
+21.6%13.6%
21.0x
Fair
-5% vs avg
+5.0%
CITY UNION BANK LTD
CUBPrivate Banks
+23.3%37.8%
15.3x
Undervalued
-31% vs avg
+35.2%
INDUSIND BANK LIMITED
INDUSINDBKPrivate Banks
+1.0%7.6%
60.0x
Premium
+170% vs avg
+30.4%
KARUR VYSYA BANK LTD
KARURVYSYAPrivate Banks
+26.0%41.3%
11.9x
Undervalued
-46% vs avg
+56.4%
J & K BANK LTD.
J&KBANKPrivate Banks
—34.2%
7.5x
Undervalued
-66% vs avg
+51.3%
WHY THESE PEERS

YES BANK LIMITED trades in line with peers (19.1x vs avg 22.2x), reflecting a fair valuation within the Private Banks cohort. Peers include FEDERAL BANK LTD, IDBI BANK LIMITED, IDFC FIRST BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹9.38K CrMar 2026

Latest net profit

₹1.07K CrMar 2026

Net Profit

₹1.07K CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q4 '25Q1 '26Q2 '26Q3 '26Q4 '260.00 Cr2.50K Cr5.00K Cr7.50K Cr10.00K Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOperatingexpensesEBITDAProvisionsProfitbefore taxTax &minorityNet Profit0.00 Cr2.50K Cr5.00K Cr7.50K Cr10.00K Cr

Latest reported period: Mar 2026

Results

MetricMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales7,2207,5847,9218,1799,1458,9189,1379,3419,3559,3489,0239,1769,381
Interest Earned6,2166,4436,7116,9857,4477,7197,7307,8297,6167,5967,3797,5437,651
Other Income1,0041,1411,2101,1951,5691,1991,4071,5121,7391,7521,6441,6331,730
Interest4,1114,4444,7864,9685,2945,4755,5305,6065,3405,2245,0785,0785,013
Operating Expenses2,2202,3222,3342,3472,8192,5582,6322,6572,7012,7662,6492,7092,750
EBITDA8898188018641,0328859751,0791,3141,3581,2961,3891,618
Provisions61836050055547121229725931828441921.89188
Profit before tax2714583013095616746788209961,0748781,3671,431
Tax %25.4%25.23%25.17%25.17%19.42%25.4%18.45%25.36%25.91%25.41%25.42%19.03%25.32%
Net Profit2023432252314525025536127388016541,1071,068
Gross NPA %2.2%2%2%2%1.7%1.7%1.6%1.6%1.6%1.6%1.6%1.5%1.3%
Net NPA %0.8%1%0.9%0.9%0.6%0.5%0.5%0.5%0.3%0.3%0.3%0.3%0.2%
Loans and Advances203,269200,204209,106217,523227,799229,565235,117244,834246,188241,024250,212257,451273,445
Deposits217,502219,369234,360241,831266,372265,072277,214277,224284,525275,843296,276292,524318,969
Borrowings77,45274,74770,72679,38179,94180,12878,31069,75871,60366,56061,95563,03364,864
EPS in Rs0.070.120.080.080.160.160.180.200.240.260.210.300.34

All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.

Shareholding Pattern

HolderMar 2025Jun 2025Sep 2025Dec 2025Mar 2026
FII10.84%11.53%11.55%12.34%13.02%
DII55.51%53.63%54.14%54.47%55.16%
Public29.29%30.23%29.80%28.73%27.53%
Others4.36%4.61%4.51%4.46%4.29%
Mar 2026
FII
DII
Public
Others

Events Timeline

Concall Transcript - FY2027

Jul 24, 2026PDFKnowledge Base Open

Concall Transcript - FY2027

Jul 18, 2026PDFKnowledge Base Open

Concall Transcript - FY2027

Jul 07, 2026PDFKnowledge Base Open

Concall Transcript - FY2027

Jun 24, 2026PDFKnowledge Base Open

Concall Transcript - FY2027

Jun 05, 2026PDFKnowledge Base Open