📅 Posted on April 21, 2025
📍 Category: Stock Analysis | Banking Sector
🔍 Overview: Is Yes Bank Back on Track?
Yes Bank has released its Q4 FY25 results, and the numbers indicate a bank slowly but steadily regaining investor confidence. Yes Bank has posted a strong 63% year-on-year rise in net profit along with better asset quality—could this signal a real turnaround?
Let’s break it down:
🧾 Financial Highlights – Q4 FY25
| Metric | Q4 FY25 | Q4 FY24 | YoY Growth |
|---|---|---|---|
| Net Interest Income | ₹2,329 Cr | ₹2,109 Cr | 🔼 +10.4% |
| Net Profit | ₹738 Cr | ₹452 Cr | 🔼 +63.3% |
| Total Income | ₹9,357 Cr | ₹9,015 Cr | 🔼 +3.8% |
| Operating Profit | ₹1,314 Cr | ₹902 Cr | 🔼 +45.7% |
| Gross NPA | 1.6% | 1.7% | 🔽 Improved |
| Net NPA | 0.3% | 0.6% | 🔽 Improved |
✅ Yes Bank has managed to boost profitability while keeping non-performing assets under control—a major positive for long-term investors.
📊 Key Metrics at a Glance (FY25)
- Current Market Price (CMP): ₹23.90
- Market Capitalization: ₹59,920 Cr
- Price-to-Earnings (P/E): ~31x
- Return on Equity (ROE): ~5.0%
- Capital Adequacy Ratio: 15.6%
- Return on Assets (ROA): 0.6%
- Debt to Equity Ratio: 0.72
💼 Though earnings and margins are on the rise, the low ROE and ROA suggest further room for performance improvement.
👥 Shareholding Pattern
| Type | Holding % |
|---|---|
| Government of India | 0% |
| SBI, ICICI, HDFC, LIC | ~32% combined |
| Public & Institutions | 68% |
✅ Backed by top Indian financial institutions
❌ No direct promoter holding
📈 Business Segments & Growth Drivers
- 🔸 Retail & SME Lending – Seeing strong momentum
- 🔸 Corporate Banking – Showing healthy loan book growth
- 🔸 Treasury Income – Stable with consistent returns
- 🔸 Digital Banking – Gradually expanding reach
👍 Reasons to Invest in Yes Bank
✅ Turnaround signs with rising profit and stable NPAs
✅ Strong backing from India’s top financial institutions
✅ High capital adequacy and stable deposit base
✅ Increased liquidity and reduced provisioning
⚠️ Risks & Reasons to Be Cautious
❌ ROE and ROA still behind top-tier private banks
❌ No promoter group to drive long-term strategy
❌ AT-1 bond write-off case still under litigation
❌ Business still stabilizing post-2020 crisis
🧠 Expert View
Yes Bank has shown encouraging signs of recovery. For cautious investors, this could be a good short-to-midterm bet. However, long-term investors may want to wait for consistent ROE improvement and greater operational efficiency.
📌 Rating: Watchlist with Positive Bias
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