Yes Bank Ltd.
Banking · NSE
52-week range
₹17 – ₹24
From 52w high
-5.6%
RSI (14)
78.7
vs SMA 50 / 200
↑ 50 · ↑ 200
Yes Bank (₹22.61) has recovered 23.75% over the past year, trading above both its 50-DMA (₹19.63) and 200-DMA (₹20.96), with a trailing PE of 20.19 and a forward PE of 12.85, implying earnings growth expectations are embedded in the current price. ROE stands at 7.1% — the lowest among 6 tracked banking peers — while the quality score of 59 leads the peer group, reflecting balance-sheet stabilisation more than earnings power. FCF was positive in 3 of the tracked years, and revenue has grown at a 5-year CAGR of 19.8%, though earnings growth at 11.8% trails revenue growth.
- ✓Revenue 5-year CAGR of 19.8% is among the stronger growth rates in the peer group, with FCF positive in 3 of the tracked years and a consistency score of 60 out of 100.
- ✓Quality score of 59 ranks 1st among 6 banking peers (AXISBANK 53, HDFCBANK 47, BAJFINANCE 51), suggesting relative improvement in balance-sheet metrics such as asset quality and provisioning.
- ✓Forward PE of 12.85 is a 36% compression from the trailing PE of 20.19, reflecting analyst earnings-growth expectations that, if realised, would bring the multiple closer to sector peers such as HDFCBANK (PE 17.22) and AXISBANK (PE 14.90).
- ✓The stock is 6.95% below its 52-week high, with price above both moving averages; nearest support levels are clustered at ₹20.68–₹21.15, representing approximately 6–8% below the current price.
- ✗ROE of 7.1% is the lowest among all 6 tracked banking peers; the closest peers are HDFCLIFE at 11.28% and HDFCBANK at 13.82%, indicating a significant profitability gap that has not closed over the tracked period.
- ✗Zero years of ROE exceeding 15% in the persistence data confirms that high-return performance has not been achieved even in favourable periods, which distinguishes YESBANK from peers that have sustained double-digit ROEs.
- ✗RSI at 73.51 is in overbought territory; a Business Today article from 2026-04-20 cited a 17% downside price target from an analyst, and a TradingView item flagged net loan losses (2026-05-08), introducing near-term valuation tension at current price levels.
- ✗Earnings 5-year CAGR of 11.8% trails revenue CAGR of 19.8% by 8 percentage points, indicating that top-line growth has not fully translated into bottom-line expansion — a margin-compression or cost-escalation dynamic warrants examination.
- ·Q4 FY26 profit grew 45% year-on-year per reporting, while a Business Today article (2026-04-20) simultaneously flagged an analyst downside target of approximately 17% from current levels, illustrating a gap between recent earnings momentum and one analyst valuation view.
- ·Incoming MD Tonse stated the bank would pursue profitable and sustainable growth rather than growth at all costs (Business Today, 2026-04-18), signalling a strategic posture shift that could influence loan-book expansion pace and near-term earnings trajectory.
- ·Net loan-loss data surfaced on TradingView (2026-05-08), concurrent with Q1 FY27 results coverage on Mint; asset quality metrics remain an active monitoring point for the bank despite the quality-score improvement in the peer ranking.
- ?Does the compression from a trailing PE of 20.19 to a forward PE of 12.85 reflect achievable earnings estimates, or is the forward multiple sensitive to assumptions about loan-book growth and credit costs that may not materialise?
- ?Is the quality-score leadership (ranked 1st of 6 peers) a leading indicator of ROE recovery toward the sector range of 11–18%, or does it reflect a structurally lower-yield balance sheet that limits future return improvement?
- ?How has the bank managed net loan losses over the past 4 quarters, and does the current provisioning level adequately cover the stressed-asset portfolio inherited from the 2020 reconstruction?
- ?Does the new MD tenure represent a meaningful change in credit underwriting or capital allocation strategy, and how has the bank performed on loan-book quality in the quarters since the leadership transition?
PE
20.2
Forward PE
12.8
ROE
+7.1%
Profit margin
+22.1%
D/E
—
Dividend yield
—
Quality score
59/100
ROE 5y above 15%
0/5 yrs
FCF 5y positive
3/5 yrs
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.Analysis generated 11 May 2026.