YB

Yes Bank Ltd

Q3 FY26

Yes Bank Q3 FY26 earnings call: Revenue & Margins

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹18

Market cap₹54.9K Cr

P/E14.5

Updated16 Oct 2026

Read4 min read

The short version

YES Bank is targeting profitable growth rather than aggressive top-line growth. YES Bank targets a full-year Return on Assets (ROA) of 1% for FY '27 and aims to reach 1.5% in the mid-term.

From Yes Bank Ltd's Q3 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

YES Bank is targeting profitable growth rather than aggressive top-line growth.
For the current financial year, advance (loan) growth is expected around 8%.
Loan growth for next financial year is planned to be in line with or marginally higher than the industry.
The bank avoids aggressive growth in low-return retail segments like prime home loans, new car loans, and gold loans.
Strong focus on segments such as SME and mid-corporate that offer attractive risk-adjusted returns.
Sequential quarter growth in advances expected to be over 3%, supporting overall 8% credit growth in the current year.
Retail disbursements showing a 15% year-on-year growth, with improved risk metrics.
Target mid-term Return on Assets (ROA) of 1.5% implies steady profitability growth alongside revenue.

2 more points from Yes Bank Ltd's call on revenue

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Profitability & Margins

YES Bank targets a full-year Return on Assets (ROA) of 1% for FY '27 and aims to reach 1.5% in the mid-term.
The bank expects profitable growth with a loan growth outlook in line with or marginally higher than the industry.
Focus is on margin expansion via RIDF rundown, CASA mix improvement, and deposit pricing actions.
Sustained growth in fee income is anticipated through digital platforms and cross-sell opportunities.
Continued cost optimization and productivity enhancements will further improve Cost-to-Income ratio and operating leverage as income grows.

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Capital Expenditure Plans

YES Bank has heavily invested over the last 4-5 years in technology and Retail network expansion.
Despite these investments, the Bank has maintained control over Cost to Asset ratio (2.5%-2.6%).
Continued investments are planned in opening new branches and enhancing digital capabilities.
The bank has reached an inflection point where past investments are beginning to yield results.

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Fundraising & Capital Structure

There is no specific mention of any immediate or planned new fundraising through debt or equity in the provided pages.
Prashant Kumar indicated that discussions regarding servicing high equity levels are ongoing with the Board but did not commit to any timeline or definitive plans for equity fundraising (Page 15).
The bank focuses on maintaining profitable growth and cautious, calibrated expansions without rushing aggressive equity or debt raises.
The emphasis is on improving asset quality, deposit growth, and profitable advances rather than immediate capital raise.

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Order Book & Pipeline

The provided transcript of YES Bank's Q3 FY26 earnings call and related documents does not contain specific information on the Bank's current or expected order book or pending orders. The discussion mainly revolves around financial performance, loan growth, asset quality, deposit growth, profitability, SME and retail banking strategy, and investor queries. There is no mention of order books or pending orders as typically related to banks, since such terms are more relevant to companies in sectors like manufacturing or services rather than banking. - No disclosure on current or expected order book. - No details provided on pending orders. - Focus is on advances (loans), deposits, profitability, and asset quality.

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What Yes Bank's management said in earlier quarters

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Frequently Asked Questions

What were Yes Bank Ltd Q3 FY26 results?

YES Bank is targeting profitable growth rather than aggressive top-line growth. YES Bank targets a full-year Return on Assets (ROA) of 1% for FY '27 and aims to reach 1.5% in the mid-term.

What is Yes Bank Ltd share price analysis?

Yes Bank Ltd currently shows a neutral. The stock trades at a P/E of 14.5 with a market cap of ₹54,930 Cr. Investors should review the full earnings analysis for detailed insights.

Is Yes Bank Ltd planning capital expenditure?

YES Bank has heavily invested over the last 4-5 years in technology and Retail network expansion.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.