Financial Services · NSE/BSE: YESBANK
Yes Bank Limited
Private Sector Bank
Market Cap ₹0.79L Cr
Verdict: Average
Quality Scores
Multi-Bagger
71/100
Compounder Quality
52/100
Management Credibility
82/100
Governance
78/100
Cash Flow Quality
68/100
AI Summary
Yes Bank is currently in a multi-year recovery phase following a near-collapse and an RBI-led rescue in 2020. The bank is the 6th largest private sector bank in India and has successfully migrated from a high-stress corporate lender to a more granular retail and mid-market focused institution. Recent financials show a return to profitability with Mar 2024 PAT at 1,285 Cr, up from a massive loss of 16,433 Cr in 2020. Asset quality has stabilized significantly, with Gross NPA dropping from historic highs to 1.30% in Mar 2026 projections. However, return ratios such as ROE remain low at 5-7%,…
Top Opportunities
- Successful reconstruction led by SBI in March 2020
- Massive reduction in Gross NPA % (from 2.2% to 1.3%)
- Stabilization of Net NPA % at 0.2%
Top Risks
- Massive historical equity dilution (1500% increase in base)
- Financing profit remains negative for 7 consecutive years
- Extremely low ROE (7.1%) significantly below cost of equity
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