Yes Bank Ltd.
NSE: YESBANKYes Bank Ltd.: A 30-second snapshot
YES Bank (YESBANK) trades at ₹22.19, up 8.72% over 12 months, currently above both its 50-DMA (₹19.70) and 200-DMA (₹20.99) with RSI at 66.64. The bank reported Q4 FY2026 net profit of Rs 1,068 crore, a 45% year-on-year increase, with NII up 16%, while trailing ROE stands at 7.1% — the lowest among 6 banking peers in the sector comparison. Trailing PE is 19.70 with a forward PE of 12.54, implying expected earnings growth that would narrow the gap to peers such as HDFCBANK (PE 17.14) and AXISBANK (PE 14.74).
P/E
19.7
Forward P/E
12.5
ROE
+7.1%
Debt / Equity
—
Profit Margin
+22.1%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
3/5
Quality
60/100
News
8 headlines · 2 positive · 1 negative
YES Bank share price: 17% downside target despite 45% jump in Q4 profit; here's why - Business Today
Business Today
Yes Bank Limited Reports Earnings Results for the Fourth Quarter and Full Year Ended March 31, 2026 - marketscreener.com
marketscreener.com
YES Bank Q4 results 2026: Profit jumps 45% to Rs 1,068 crore; NII up 16% | Key highlights - Business Today
Business Today
Yes Bank Ltd stock (INE528G01035): India-focused lender eyes growth amid reforms and digital push - AD HOC NEWS
AD HOC NEWS
Net loan losses of Yes Bank Limited – NSE:YESBANK - TradingView
TradingView
Recent context
- ·Q4 FY2026 results (April 2026) showed net profit up 45% to Rs 1,068 crore and NII up 16%; the earnings improvement was accompanied by a 19.70 trailing PE as of the report date.
- ·Business Today (2026-04-20) reported that one analyst cited a 17% downside target for the stock despite the profit jump, pointing to valuation concerns relative to the earnings recovery trajectory.
- ·A TradingView report (2026-05-08) surfaced net loan-loss data, and a May 2026 article described YES Bank as eyeing growth amid reforms and a digital push — keeping the restructuring narrative active in news flow.
Strengths
- +Quality score of 59 ranks 1st of 6 Banking sector peers tracked, above AXISBANK (53), BAJFINANCE (53), and HDFCBANK (47), reflecting relative improvement in balance-sheet metrics post-restructuring.
- +Q4 FY2026 net profit of Rs 1,068 crore represents 45% year-on-year growth; NII grew 16%, contributing to a 5-year revenue growth rate of 19.8%.
- +Price is above both the 50-DMA (₹19.70) and 200-DMA (₹20.99); drawdown from the 52-week high is contained at -8.68%, with key support levels at ₹21.15 and ₹20.70.
- +FCF was positive in 3 of the tracked years, and forward PE of 12.54 is below the trailing PE of 19.70, indicating analyst expectations of further earnings improvement.
Weaknesses
- −ROE of 7.1% ranks 6th of 6 among Banking peers; the 5-year earnings growth rate of 11.8% has not translated into ROE recovery toward the peer median (approximately 13%–14%).
- −Zero years of ROE above 15% in tracked history; by contrast, BAJFINANCE carries ROE of 17.91% and HDFCBANK 13.82% — indicating YESBANK profitability remains well below sector norms.
- −A Business Today article (2026-04-20) noted a 17% downside price target from an analyst despite the Q4 profit jump, and net loan-loss data surfaced (TradingView, 2026-05-08), highlighting ongoing asset-quality scrutiny.
- −Analyst consensus rating is null across 11 analysts tracked; the absence of a directional consensus rating limits the ability to gauge aggregate sell-side conviction.
Open questions
- ?Does the gap between a 1st-ranked quality score and a 6th-ranked ROE reflect a temporary lag in earnings recovery, or a structural constraint on the bank's return on capital?
- ?At what ROE level and over what time horizon would YESBANK's capital allocation pattern converge with peers such as HDFCBANK or AXISBANK — and what are the key drivers that would need to change?
- ?How does the bank's current net loan-loss trajectory and provisioning coverage compare to peers, given that asset-quality concerns appear in recent news flow alongside the profit improvement?
- ?Given a forward PE of 12.54 versus trailing PE of 19.70, what earnings-per-share level does the market appear to be pricing in, and how does that compare to the 5-year EPS growth rate of 11.8%?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| YESBANK | Yes Bank Ltd.You're viewing | 19.7 | +7.1% | 59 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹22.19
SMA 50
₹19.70
SMA 200
₹20.99
RSI (14)
66.6 (neutral)
From 52w high
-8.7%
1Y return
+8.7%
3M return
+3.7%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 7.1% ranks last (6th of 6) among banking peers tracked; AXISBANK 13.15%, HDFCBANK 13.82%, BAJAJFINSV 14.6%, BAJFINANCE 17.91%. Zero years of ROE above 15% in tracked history, indicating profitability has not recovered to pre-restructuring norms.
- mediumQuality score of 59 ranks 1st of 6 peers, yet ROE ranks 6th of 6. This divergence suggests the quality-score improvement is driven by balance-sheet stabilisation (asset quality, provisioning) rather than earnings power.
- mediumA Business Today article (2026-04-20) cites a 17% downside price target from an analyst despite the 45% Q4 profit jump of Rs 1,068 crore, reflecting divergence between reported earnings improvement and one analyst view on valuation. Net loan-loss data also surfaced on TradingView (2026-05-08).
- lowAnalyst consensus rating is null despite 11 analysts tracked; rating direction and distribution are unavailable, limiting visibility into sell-side sentiment.
- lowAll 5 peer priceChange1Y values are null, making year-on-year price-performance ranking against the Banking sector impossible from available data.
Cross-section contradictions
- Quality score ranks 1st among 6 banking peers (59) yet ROE ranks last at 7.1% vs peer range of 11.28%–17.91%; balance-sheet stabilisation metrics and earnings-power recovery appear to be moving at different speeds.
- Stock is up 8.72% over 1 year and trading above both the 50-DMA (₹19.70) and 200-DMA (₹20.99) with RSI at 66.64, yet news flow shows 5 neutral and 1 negative article — including a named downside-target headline — over the past 4 weeks.
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.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 15 May 2026 · rotates through NIFTY 500 every ~5 days