Yes Bank Limited (YESBANK) Fair Value & Analysis
Financial Services · IN · Market cap ₹714B
Strengths
Risks
Fair value as of: Aug 25, 2026
From 6 valuation models · updated today
Share price −1.6% over the past month.
A solid business, but trading 35% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (₹20.98). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 25, 2026.
How to read this chart
60‑month range ₹10.80 – ₹31.37 · fair‑value band ₹12.59 – ₹20.98 · the ₹22.59 price screens above the ₹16.78 fair value. Dashed = 300-day average. As of Aug 25, 2026.
Analysis
Yes Bank Limited (YESBANK) currently trades at ₹22.59, while our model-based Fair Value estimate is ₹16.78, implying the stock looks roughly 25.7% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Yes Bank Limited generated revenue of ₹163B at a net margin of 23.2%. Revenue grew 19.8% year over year. It earns a return on equity of 7.5%. Net debt stands at ₹271B. Fundamentals as of Aug 25, 2026
Our scenario range runs from ₹12.59 (bear case) to ₹20.98 (bull case); at ₹22.59, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% below its 52-week high and 31% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -9% fair-value upside, at -26%, YESBANK screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (₹14.54) versus Dividend Discount (₹2.54). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 25, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Yes Bank Limited engages in the provision of banking and financial products and services primarily in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
Full company description
Yes Bank Limited engages in the provision of banking and financial products and services primarily in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company provides retail banking products, including savings accounts; fixed and recurring deposits; home, car, bike, commercial vehicle, construction equipment, gold, personal, mortgage, and secured business loans; loans against securities; and health care and printing equipment finance, as well as business banking services to micro, small, and medium enterprises. It offers corporate banking services, such as working capital, project, supply chain, agri commodity, and trade finance, as well as term loans; and cash management services, debt capital markets, treasury, investment banking solution, foreign currency loans and overseas financing, liquidity management, and other services. In addition, the company offers financial and advisory services to ministries under the union and state governments, central and state public sector undertakings, boards, and other affiliates; and banking solutions to cooperative banks, mutual funds, stockbrokers, non-banking finance companies (NBFCs), payment aggregators, regulated payment operators, non-resident Indians, and other financial institutions. Further, it provides debit and credit cards, wealth management and insurance products, and mobile and online banking services; transaction banking services; mergers and acquisition advisory; merchant acquiring; and remittance solutions, as well as operates ATMs and bunch note acceptors/recyclers. The company was incorporated in 2003 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Yes Bank Limited reported revenue of ₹184B in FY2026 versus ₹91.2B in FY2022, a compound +19.2%/yr. Reported net income was ₹35.1B in FY2026, compounding +34.8%/yr from FY2022.
YESBANK screens 26% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1090 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.85 SGD | 40.48 SGD | -47% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.92 | €6.06 | -12% |
| HDFC Bank Limited HDB | $23.17 | $23.73 | +2% |
| BNP Paribas SA BNP | €112.00 | €144.64 | +29% |
| UniCredit S.p.A UCG | €84.75 | €77.62 | -8% |
| Mizuho Financial Group MFG | $10.87 | $9.85 | -9% |
| ICICI Bank Limited ICICIBANK | ₹1,432 | ₹835.21 | -42% |
| CaixaBank, S.A CABK | €12.91 | €8.85 | -31% |
| Oversea-Chinese Banking Corporation O39 | 31.19 SGD | 19.80 SGD | -37% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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