ScoreWhy is Yes Bank Ltd. ?
1
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 04-Apr-25
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
2
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.04% in the last 1 year, its fall in the stock was much higher with a return of -29.34%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Yes Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Yes Bank
-29.55%
-0.89
32.93%
SENSEX
0.45%
0.02
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
4.91%
Net Profit Growth (5y)
16.03%
Advance to Deposit
97.58%
Capital Adequacy Ratio (Tier 1)
12.72%
Gross NPA (latest)
1.60%
Gross NPA (avg)
7.12%
Coverage Ratio (avg)
64.30%
Cost to Income (avg)
65.59%
Net Interest Margin (avg)
2.77%
Operating Profit to Assets (avg)
4.13%
ROA (avg)
-0.26%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Price to Book Value
1.15
PEG Ratio
0.27
Dividend Yield
NA
ROE (Latest)
4.52%
ROA (Latest)
0.54%
Net NPA to Book Value
2.43
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
PAT(Q)
At Rs 612.27 cr has Grown at 164.5%
INTEREST EARNED(Q)
Highest at Rs 7,829.14 cr
GROSS NPA(Q)
Lowest at 1.60%
CREDIT DEPOSIT RATIO(HY)
Highest at 88.32%
EPS(Q)
Highest at Rs 0.20
NET NPA(Q)
Lowest at 0.50%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 184.32 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Yes Bank
Profit After Tax (PAT) - Quarterly
At Rs 612.27 cr has Grown at 164.5%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 7,829.14 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 612.27 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.60%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.20
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.50%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 88.32%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Yes Bank
Non Operating Income - Quarterly
is 184.32 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 15.20%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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