Yes Bank Limited Earnings Summary — Q1 FY2027
YES Bank Delivers Strong Q1 Performance with 33.7% Profit Growth and Stabilized Asset Quality
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 4 consecutive quarters.
- Revenue of ₹8,054 Cr is 5.9% higher year-on-year.
- Revenue has compounded at 3.5% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit of ₹1,072 Cr is 32.5% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at 44.6% annualised across the period.
- Operating margin stands at 58.5% in Q1 FY2027.
- Operating margin compressed by 64 bps year-on-year.
- Over the last two years operating margin has contracted by 503 bps.
- PBT margin is 16.3%.
- Expenses grew 7.6% against revenue growth of 5.9%.
- Operating profit of ₹4,710 Cr is 4.8% higher year-on-year.
- Operating leverage has been under pressure recently.
- 3 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 65/100 (Healthy) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Stable | 8,054 | 7,662 | 7,553 | 7,389 | 7,605 | 7,623 | 7,833 | 7,737 | 7,725 | 7,458 |
| Expenses | Stable | 3,345 | 2,999 | 2,961 | 3,129 | 3,110 | 3,080 | 2,969 | 2,984 | 2,820 | 3,340 |
| Operating Profit | Stable | 4,710 | 4,663 | 4,592 | 4,259 | 4,495 | 4,543 | 4,864 | 4,753 | 4,905 | 4,118 |
| Operating Margin | Stable | 58.5% | 60.9% | 60.8% | 57.6% | 59.1% | 59.6% | 62.1% | 61.4% | 63.5% | 55.2% |
| Other Income | Stable | 1,871 | 1,816 | 1,720 | 1,724 | 1,825 | 1,815 | 1,583 | 1,488 | 1,271 | 1,642 |
| Interest | Stable | 5,269 | 5,030 | 5,093 | 5,093 | 5,235 | 5,352 | 5,617 | 5,544 | 5,486 | 5,309 |
| Depreciation | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Profit Before Tax | Strong Uptrend | 1,311 | 1,449 | 1,218 | 891 | 1,085 | 1,006 | 830 | 697 | 691 | 451 |
| Tax | Volatile | 239 | 367 | 262 | 227 | 276 | 261 | 211 | 131 | 175 | -17 |
| Net Profit | Improving | 1,072 | 1,082 | 957 | 664 | 809 | 745 | 619 | 567 | 516 | 467 |
| Net Margin | Improving | 13.3% | 14.1% | 12.7% | 9.0% | 10.6% | 9.8% | 7.9% | 7.3% | 6.7% | 6.3% |
Key Takeaways
- Consolidated Net Profit rose 33.7% YoY to ₹1,072 crore, though slightly down QoQ from the previous quarter's high base.
- Asset quality remains stable with Gross NPA at 1.30% and Net NPA maintained at a decade-low of 0.20%.
- Net interest income and other income both showed healthy sequential growth, with Total Income reaching ₹9,925 crore.
- Total Advances grew significantly in the Corporate segment, while Retail segment profitability turned positive to ₹36 crore from a loss YoY.
- Capital Adequacy Ratio (Basel III) stands at 15.2%, providing sufficient headroom for future growth despite a slight 20bps QoQ dip.
- The bank successfully reduced its debt-to-equity ratio to 0.66, reflecting improved balance sheet strength.
Management Guidance
Management is focused on maintaining the growth momentum in both Retail and Corporate segments while continuing the trend of granularization. The bank is positioning itself as a digital-first institution with a revised AGM agenda to support long-term strategic objectives.
Sentiment Shift
Improving
The bank has effectively transitioned from recovery to steady growth, evidenced by consistent profitability and historically low NPA levels.
Outlook
The outlook remains optimistic as the bank sustains its return to profitability, maintains superior asset quality metrics, and benefits from recent credit rating upgrades.
From the Annual Report (Key Quotes)
“YES Bank posted audio recording of Q1 FY27 earnings call on July 18, 2026.”
“The board at its meeting held today... has approved the revised Notice of the 22nd AGM.”
“Net profit rose 33.7% to Rs 1,071 crore; ratings upgraded.”
Official Quarterly Documents
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This summary is AI-generated from Yes Bank Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.