Arthneeti

Yes Bank Q2 FY27 Share Price & Earnings Call Analysis

₹15.15-1.81% today
Market cap
₹47,556 Cr
P/E
11.33
ROE
7.10%
PEG
0.17
Price to sales
1.48
Debt to equity
8.10
52W high / low
₹25.5 / ₹15.2
Sales growth (5Y)
8.55%
EBITDA margin
60.18%
Net profit margin
11.63%
Sales (last year)
₹31,919 Cr

Guidance scorecard · Q2 FY27 call

What Yes Bank's management guided
and where it ranks in Banks

Revenue10–20%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ2 FY27 call

10–20%
  • The bank aims to continue growth in Advances and Deposits in a risk-calibrated manner, sustaining strong momentum seen in recent quarters.
  • Growth levels are projected to be above industry averages, supported by improved core operations and cross-referrals from SMBC relationship.
  • With a pro forma CET-1 ratio of 11.4%, the bank believes growth ambitions are not compromised and can grow at approximately 11% without capital dilution, considering DTA benefits.
  • RIDF deposit run-down and repo rate hikes are expected to yield margin tailwinds aiding profitability.
  • Full deployment of FCNR deposits into higher-yielding assets is anticipated between Q3 and Q4, boosting margins further.

2 more points from Yes Bank's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what Yes Bank said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned

Ask what Yes Bank said on capex →

Full Q2 FY27 analysis

FundraisingQ2 FY27 call

Planned

See what Yes Bank said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Rising

Ask what Yes Bank said on the order book →

Full Q2 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. RBL BankGood growth
    3
See all potential multibaggersWhere does Yes Bank rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3RBL Bank20–40%Flat₹58,716 Cr49.8
420–40%Flat₹13,576 Cr9.4
520–40%Flat₹6,759 Cr8.6
620–40%Flat₹5,337 Cr8.0

Sign up free to see every company in the sector ranking and track Yes Bank.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of Yes Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Yes Bank

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
FIIs +23.79%22.01%27.08%27.00%26.74%26.88%24.95%44.95%45.74%46.42%46.12%47.83%
DIIs +41.98%41.50%38.10%38.20%38.84%39.52%40.26%20.79%21.12%21.81%24.04%23.06%
Government +0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public +34.21%36.47%34.82%34.78%34.42%33.60%34.79%34.24%33.12%31.74%29.83%29.11%
No. of Shareholders49,94,63661,54,88863,01,44462,47,73562,83,71063,27,64163,55,94362,57,30361,04,67360,08,06258,44,16757,56,004

Financials of Yes Bank

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +6,7146,9897,4587,7257,7377,8337,6237,6057,3897,5537,6628,0548,650
Interest4,7944,9755,3095,4865,5445,6175,3525,2355,0935,0935,0305,2695,830
Expenses +2,8832,9483,3402,8202,9842,9693,0803,1103,1292,9612,9993,3453,406
Financing Profit-962-934-1,191-580-791-753-809-740-833-501-366-559-586
Financing Margin %-14%-13%-16%-8%-10%-10%-11%-10%-11%-7%-5%-7%-7%
Other Income +1,2671,2551,6421,2711,4881,5831,8151,8251,7241,7201,8161,8701,952
Depreciation0000000000000
Profit before tax3043204516916978301,0061,0858911,2181,4491,3111,366
Tax %25%24%-4%25%19%25%26%25%25%21%25%18%21%
Net Profit +2292434675165676197458096649571,0821,0721,084
EPS in Rs0.080.080.160.160.180.200.240.260.210.300.340.340.35
Gross NPA %2.00%2.00%1.70%1.70%1.60%1.60%1.60%1.60%1.60%1.50%1.30%1.30%1.20%
Net NPA %0.90%0.90%0.60%0.50%0.50%0.50%0.30%0.30%0.30%0.30%0.20%0.20%0.20%

Financials of Yes Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +11,57213,53316,42520,26929,62426,05220,03919,01922,70227,60630,91930,20831,919
Interest8,0838,96510,62712,52919,81119,25812,61112,52814,80019,52721,99820,45021,222
Expenses +2,5483,4294,7906,59511,83439,24614,9378,05810,37111,35011,36011,62112,711
Financing Profit9401,1391,0081,144-2,021-32,452-7,509-1,568-2,468-3,272-2,439-1,863-2,014
Financing Margin %8%8%6%6%-7%-125%-37%-8%-11%-12%-8%-6%-6%
Other Income +2,0482,7294,2185,2934,67511,9563,1073,4053,8835,3556,1577,0847,358
Depreciation861121732323053423604034335464935780
Profit before tax2,9023,7565,0536,2052,349-20,838-4,7621,4349811,5383,2244,6435,345
Tax %31%33%34%32%27%-21%-27%26%25%16%24%24%
Net Profit +1,9972,5303,3404,2331,709-16,433-3,4891,0647361,2852,4473,5124,195
EPS in Rs9.5612.0314.6318.387.38-13.09-1.390.420.260.450.781.121.33
Dividend Payout %19%17%16%15%27%0%0%0%0%0%0%0%

Financials of Yes Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital4184214564614632,5105,0115,0115,7515,7546,2716,2766,278
Reserves11,24813,34221,58325,29226,42419,18528,12728,68834,96736,40241,56244,88247,095
Deposits91,159111,704142,857200,689227,558105,311162,846197,063217,382266,230284,420318,969354,004
Borrowing26,22031,65938,60774,894108,424113,79063,94972,34077,75480,50871,97165,45178,410
Other Liabilities +7,0988,11711,55611,11517,99017,03613,66015,47619,35017,46919,89234,62629,169
Total Liabilities136,143165,243215,060312,450380,860257,832273,593318,578355,204406,362424,116470,204514,956
Fixed Assets +2964146127657787302,0962,0162,1562,5092,8723,0973,248
CWIP2660757251294631252963572061010
Investments43,19348,78849,98268,29389,32943,74843,11551,75476,74989,99784,72587,75599,968
Other Assets +92,628115,980164,391243,319290,701213,061228,320264,683276,003313,499336,313379,251411,741
Total Assets136,143165,243215,060312,450380,860257,832273,593318,578355,204406,362424,116470,204514,956

Financials of Yes Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-2,317-3044,384-21,810-24,573-57,72155,39623,598-25,8169,6456,38621,217
Cash from Investing Activity +-3,591-4,023-4,478-8,738-6,23514,128441-14,566-13,026-12,4538,514-4,952
Cash from Financing Activity +7,5744,98911,42935,74833,03925,038-34,9428,39111,4502,771-5,651-6,485
Net Cash Flow1,66666211,3365,1992,231-18,55520,89517,423-27,392-389,2499,780
Free Cash Flow-2,428-5693,999-22,195-24,871-58,25655,13723,199-26,5558,6835,66520,515

Financials of Yes Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %21%20%19%18%6%-68%-13%3%2%3%5%7%

Guidance history

How Yes Bank's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →10–20%FlatPlannedPlannedRising
Q1 FY27 call →10–20%FlatPlannedPlannedRising
Q4 FY26 call →10–20%FlatPlanned——
Q3 FY26 call →0–10%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

8out of 100

Momentum score · price trend

8 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−31.8%21%
Last 6 months−24.0%15%
Last 3 months−33.5%3%

The price is 96.1% below its all-time high of ₹393.2 (17 Aug 2018). Stocks more than 20% below their peak have their score halved, so 15 became 8.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Yes Bank: 0.4 × 21 + 0.4 × 15 + 0.2 × 3 = 15, halved to 8 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Yes Bank's management said in earlier quarters

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