YES BANK Ltd (YESBANK) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+1.23%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 46.1%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 7.1%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹16.64

200-Day DMA ● Overlay

₹15.43

14-Day RSI ● Overlay

56.3 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹66,104 Cr

Small cap

Stock P/E (TTM) Valuation

17.5x

Price / EPS

Book Value (₹) Assets

₹16.7

P/B: 1.3x

ROE (%) Quality

7.1%

Net Profit / Equity

ROCE (%) Efficiency

6.0%

EBIT / Capital

Dividend Yield Yield

0.00%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹1.20

Trailing 12M

OPM (%) Spread

30.8%

EBITDA Margin

Free Cash Flow Cash

₹20,515 Cr

CFO - Capex

About YES BANK Ltd

YES BANK Ltd (YESBANK) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 22.2% × Turnover: 0.85x × Leverage: 1x = ROE: 7.1%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Stock is trading at an attractive price-to-book multiple of 1.3x.

⚠ Key Considerations & Risks (Cons)

• Company has generated a modest return on equity (ROE of 7.1%).
• Company does not currently distribute regular cash dividends.

📑 10-Year Comprehensive Financial Statements

✓ 93% Coverage (14/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹16,535 Cr

Latest PAT

₹3,775 Cr

EPS (TTM)

₹1.20

OPM %

30.8%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Operating Profit (EBITDA)	-₹2,726 Cr	-₹2,883 Cr	-₹2,948 Cr	-₹3,340 Cr	-₹2,820 Cr	-₹2,984 Cr	-₹2,969 Cr	-₹3,080 Cr	-₹3,110 Cr	-₹3,129 Cr	-₹2,961 Cr	-₹2,999 Cr	-₹3,345 Cr
OPM %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Interest Expense	₹4,449 Cr	₹4,794 Cr	₹4,975 Cr	₹5,309 Cr	₹5,486 Cr	₹5,544 Cr	₹5,617 Cr	₹5,352 Cr	₹5,235 Cr	₹5,093 Cr	₹5,093 Cr	₹5,030 Cr	₹5,269 Cr
Depreciation	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Profit before Tax (PBT)	₹462.00 Cr	₹304.00 Cr	₹320.00 Cr	₹451.00 Cr	₹691.00 Cr	₹697.00 Cr	₹830.00 Cr	₹1,006 Cr	₹1,085 Cr	₹891.00 Cr	₹1,218 Cr	₹1,449 Cr	₹1,311 Cr
Net Profit (PAT)	₹347.00 Cr	₹229.00 Cr	₹243.00 Cr	₹467.00 Cr	₹516.00 Cr	₹567.00 Cr	₹619.00 Cr	₹745.00 Cr	₹809.00 Cr	₹664.00 Cr	₹957.00 Cr	₹1,082 Cr	₹1,072 Cr
EPS in ₹	₹0.12	₹0.08	₹0.08	₹0.16	₹0.16	₹0.18	₹0.20	₹0.24	₹0.26	₹0.21	₹0.30	₹0.34	₹0.34

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Expenses	₹2,548 Cr	₹3,429 Cr	₹4,790 Cr	₹6,595 Cr	₹11,834 Cr	₹39,246 Cr	₹14,937 Cr	₹8,058 Cr	₹10,371 Cr	₹11,350 Cr	₹11,360 Cr	₹11,621 Cr	₹12,434 Cr
Operating Profit	-₹2,548 Cr	-₹3,429 Cr	-₹4,790 Cr	-₹6,595 Cr	-₹11,834 Cr	-₹39,246 Cr	-₹14,937 Cr	-₹8,058 Cr	-₹10,371 Cr	-₹11,350 Cr	-₹11,360 Cr	-₹11,621 Cr	-₹12,434 Cr
OPM %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Interest	₹8,083 Cr	₹8,965 Cr	₹10,627 Cr	₹12,529 Cr	₹19,811 Cr	₹19,258 Cr	₹12,611 Cr	₹12,528 Cr	₹14,800 Cr	₹19,527 Cr	₹21,998 Cr	₹20,450 Cr	₹20,484 Cr
Depreciation	₹86.00 Cr	₹112.00 Cr	₹173.00 Cr	₹232.00 Cr	₹305.00 Cr	₹342.00 Cr	₹360.00 Cr	₹403.00 Cr	₹433.00 Cr	₹546.00 Cr	₹493.00 Cr	₹578.00 Cr	₹0 Cr
Profit before Tax	₹2,902 Cr	₹3,756 Cr	₹5,053 Cr	₹6,205 Cr	₹2,349 Cr	-₹20,838 Cr	-₹4,762 Cr	₹1,434 Cr	₹981.00 Cr	₹1,538 Cr	₹3,224 Cr	₹4,643 Cr	₹4,870 Cr
Net Profit	₹1,997 Cr	₹2,530 Cr	₹3,340 Cr	₹4,233 Cr	₹1,709 Cr	-₹16,433 Cr	-₹3,489 Cr	₹1,064 Cr	₹736.00 Cr	₹1,285 Cr	₹2,447 Cr	₹3,512 Cr	₹3,775 Cr
EPS in Rs	9.56	12.03	14.63	18.38	7.38	-13.09	-1.39	0.42	0.26	0.45	0.78	1.12	1.19

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	₹418.00 Cr	₹421.00 Cr	₹456.00 Cr	₹461.00 Cr	₹463.00 Cr	₹2,510 Cr	₹5,011 Cr	₹5,011 Cr	₹5,751 Cr	₹5,754 Cr	₹6,271 Cr	₹6,276 Cr
Reserves & Surplus	₹11,248 Cr	₹13,342 Cr	₹21,583 Cr	₹25,292 Cr	₹26,424 Cr	₹19,185 Cr	₹28,127 Cr	₹28,688 Cr	₹34,967 Cr	₹36,402 Cr	₹41,562 Cr	₹44,882 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹1.36 Lakh Cr	₹1.65 Lakh Cr	₹2.15 Lakh Cr	₹3.12 Lakh Cr	₹3.81 Lakh Cr	₹2.58 Lakh Cr	₹2.74 Lakh Cr	₹3.19 Lakh Cr	₹3.55 Lakh Cr	₹4.06 Lakh Cr	₹4.24 Lakh Cr	₹4.70 Lakh Cr
Fixed Assets	₹296.00 Cr	₹414.00 Cr	₹612.00 Cr	₹765.00 Cr	₹778.00 Cr	₹730.00 Cr	₹2,096 Cr	₹2,016 Cr	₹2,156 Cr	₹2,509 Cr	₹2,872 Cr	₹3,097 Cr
Total Assets	₹1.36 Lakh Cr	₹1.65 Lakh Cr	₹2.15 Lakh Cr	₹3.12 Lakh Cr	₹3.81 Lakh Cr	₹2.58 Lakh Cr	₹2.74 Lakh Cr	₹3.19 Lakh Cr	₹3.55 Lakh Cr	₹4.06 Lakh Cr	₹4.24 Lakh Cr	₹4.70 Lakh Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operations (CFO)	-₹2,317 Cr	-₹304.00 Cr	₹4,384 Cr	-₹21,810 Cr	-₹24,573 Cr	-₹57,721 Cr	₹55,396 Cr	₹23,598 Cr	-₹25,816 Cr	₹9,645 Cr	₹6,386 Cr	₹21,217 Cr
Cash from Investing (CFI)	-₹3,591 Cr	-₹4,023 Cr	-₹4,478 Cr	-₹8,738 Cr	-₹6,235 Cr	₹14,128 Cr	₹441.00 Cr	-₹14,566 Cr	-₹13,026 Cr	-₹12,453 Cr	₹8,514 Cr	-₹4,952 Cr
Cash from Financing (CFF)	₹7,574 Cr	₹4,989 Cr	₹11,429 Cr	₹35,748 Cr	₹33,039 Cr	₹25,038 Cr	-₹34,942 Cr	₹8,391 Cr	₹11,450 Cr	₹2,771 Cr	-₹5,651 Cr	-₹6,485 Cr
Free Cash Flow (FCF)	-₹2,428 Cr	-₹569.00 Cr	₹3,999 Cr	-₹22,195 Cr	-₹24,871 Cr	-₹58,256 Cr	₹55,137 Cr	₹23,199 Cr	-₹26,555 Cr	₹8,683 Cr	₹5,665 Cr	₹20,515 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days (DSO)	30	30	30	30	30	30	30	30	30	30	30	30
Inventory Days	45	45	45	45	45	45	45	45	45	45	45	45
Cash Conversion Cycle (Days)	25	25	25	25	25	25	25	25	25	25	25	25
ROCE %	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%	5.98%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹18.33 • Undervalued (Margin of Safety)

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹17.24

DCF Fair Value

₹18.33

Graham Number

₹21.23

Margin of Safety

+13.9%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹18.33

Undervalued (Margin of Safety) (Margin: +13.9%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹18	₹18	₹18	₹17
10%	₹18	₹18	₹18	₹18
12%	₹18	₹18	₹18	₹18
14%	₹19	₹19	₹18	₹18

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹18	Undervalued
Benjamin Graham Number	₹21	Margin of Safety
Historical Sector P/E	₹26	Discounted
EV / EBITDA Multiplier	₹18	In-Line
Free Cash Flow Yield Model	₹17	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 7/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

7 / 9 Pass

Altman Z-Score

5.42 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Positive Operating & Free Cash Flow

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 30.8%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

52.40%

FIIs (Foreign)

46.12%

DIIs (Domestic)

24.04%

Government

0.15%

Public / Retail

29.83%

Swipe → to view historical quarters

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Promoters	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%
+ FIIs (Foreign Portfolio)	23.39%	23.79%	22.01%	27.08%	27.00%	26.74%	26.88%	24.95%	44.95%	45.74%	46.42%	46.12%
+ DIIs (Mutual Funds / Insurance)	40.68%	41.98%	41.50%	38.10%	38.20%	38.84%	39.52%	40.26%	20.79%	21.12%	21.81%	24.04%
+ Public (Retail & HNIs)	35.90%	34.21%	36.47%	34.82%	34.78%	34.42%	33.60%	34.79%	34.24%	33.12%	31.74%	29.83%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Financial Services.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

YESBANK Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

YESBANK Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

YESBANK Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹22.07

Accelerated market share capture in Financial Services, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹19.31

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 18x P/E.

🐻 Bear Case (15%) -12.0%

₹15.17

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Financial Services)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 20:28 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	Market Cap
★ YES BANK Ltd (YESBANK)	Target Stock	₹17.24	+1.23%	17.5x	7.1%	6.0%	₹66,104 Cr
HDFC Bank Ltd (HDFCBANK)	Private Sector Bank	₹806.60	+1.06%	14.1x	13.6%	7.0%	₹11.12 Lakh Cr
ICICI Bank Ltd (ICICIBANK)	Private Sector Bank	₹1,571.60	-1.10%	16.8x	15.9%	7.2%	₹9.41 Lakh Cr
State Bank of India (SBIN)	Public Sector Bank	₹1,061.20	+1.84%	10.5x	15.4%	6.1%	₹8.81 Lakh Cr
Bajaj Finance Ltd (BAJFINANCE)	Non-Banking Financial Company (NBFC)	₹1,078.80	+1.31%	28.8x	18.2%	10.9%	₹5.90 Lakh Cr
Kotak Mahindra Bank Ltd (KOTAKBANK)	Private Sector Bank	₹487.70	+1.71%	20.7x	11.4%	7.0%	₹4.14 Lakh Cr
Axis Bank Ltd (AXISBANK)	Private Sector Bank	₹1,336.40	+1.96%	13.6x	13.1%	6.2%	₹3.79 Lakh Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 93% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	20:28:49 IST	✓ Live Sync
Financial Statements (10Y)	YES BANK Ltd Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

YES BANK Ltd

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About YES BANK Ltd

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Financial Services)

Metric Explainer

Stock DNA Methodology

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