Yes Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.
Growth
Compounded Sales Growth
10 Years:
11%
5 Years:
-1%
3 Years:
11%
TTM:
20%
Compounded Profit Growth
10 Years:
-2%
5 Years:
-6%
3 Years:
33%
TTM:
89%
Stock Price CAGR
10 Years:
-15%
5 Years:
-18%
3 Years:
21%
1 Year:
28%
Return on Equity
10 Years:
-1%
5 Years:
-10%
3 Years:
3%
Last Year:
3%
Last Updated: Unknown
Balance Sheet
Last Updated: Unknown
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Equity Capital
359
361
418
421
456
461
463
2,510
5,011
5,011
5,751
5,754
Reserves
5,449
6,755
11,248
13,342
21,583
25,292
26,424
19,185
28,127
28,688
34,019
35,453
Borrowings
87,878
95,500
117,379
143,363
181,464
275,582
335,982
219,102
226,795
269,403
295,136
346,737
Other Liabilities
5,419
6,390
7,098
8,117
11,556
11,115
17,990
17,036
13,660
15,476
20,298
18,418
Total Liabilities
99,104
109,005
136,143
165,243
215,060
312,450
380,860
257,832
273,593
318,578
355,204
406,362
Fixed Assets
218
277
296
414
612
765
778
730
2,096
2,016
2,156
2,509
CWIP
11
20
26
60
75
72
51
294
63
125
296
357
Investments
42,976
40,933
43,193
48,788
49,982
68,293
89,329
43,748
43,115
51,754
76,749
89,997
Other Assets
55,899
67,775
92,628
115,980
164,391
243,319
290,701
213,061
228,320
264,683
276,003
313,499
Total Assets
99,104
109,005
136,143
165,243
215,060
312,450
380,860
257,832
273,593
318,578
355,204
406,362
Reserves and Borrowings Chart
Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Cash from Operating Activity
541
4,436
-2,317
-304
4,384
-21,810
-24,573
-57,721
55,396
23,598
-25,816
9,645
Cash from Investing Activity
-6,742
-2,785
-3,591
-4,023
-4,478
-8,738
-6,235
14,128
441
-14,566
-13,026
-12,453
Cash from Financing Activity
6,681
176
7,574
4,989
11,429
35,748
33,039
25,038
-34,942
8,391
11,450
2,771
Net Cash Flow
480
1,826
1,666
662
11,336
5,199
2,231
-18,555
20,895
17,423
-27,392
-38
Free Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Free Cash Flow
-86.00
-93.00
-115.00
-140.00
-177.00
-269.00
-324.00
-180.00
-212.00
-261.00
-285.00
-335.00
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
Overvalued: 0.13% compared to the current price ₹23.50
Intrinsic Value: 28.98
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
Undervalued: 23.32% compared to the current price ₹23.50
Last 5 Year EPS CAGR: 23.47%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
Stock Analysis
Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Yes Bank Ltd:
Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
ROE%: 0% (Industry Average ROE: 13.94%)
ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
Stock P/E: 50.6 (Industry average Stock P/E: 16.84)
Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
Total Debt / Equity: 0
Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
YES Bank Ltd. is a Public Limited Listed company incorporated on 21/11/2003 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is L65190MH2003PLC143249 and registration number is 143249. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company’s Total Operating Revenue is Rs. 19023.51 Cr. and Equity Capital is Rs. 5010.99 Cr. for the Year ended 31/03/2022.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
YES BANK House, Off Western Express Highway, Mumbai Maharashtra 400055
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Yes Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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