YES Bank Financial Analysis
Q2 FY25 Performance Report
Market Cap
₹62,574 Cr
Current Price
₹20.0
52-Week Range
₹19.0 – ₹32.8
P/E Ratio
34.9
Book Value
₹14.6
Debt
₹3,46,737 Cr
Financial Metrics (Q2 FY25)
Net profit of ₹1,792 Cr, marking a 146% year-on-year increase. Net Interest Income reached ₹2,200 Cr with 14% YoY growth. Non-Interest Income grew by 16% to ₹1,407 Cr. Operating profit margin at 59.6%.
Profit Growth
PAT: ₹1,792 Cr (146% YoY)
Enhanced operational efficiency
Operating Metrics
Operating Profit Margin: 59.6%
Strong NII and Non-Interest Income growth
Future Guidance
Profitability Targets
ROE expansion beyond 3.5% by FY26
NIM improvement of ~70 bps by FY27
Growth Strategy
Focus on retail loan growth
20%+ growth in SME and mid-corporate segments
Key Risks
- Asset Quality Stress in unsecured loans
- Interest Rate Cycle Impact
- High Leverage Constraints
Recommendation
Rating: BUY
12-Month Price Target: ₹25-30
Potential upside of 25%-50% from current levels
This report is prepared for informational purposes only. Investors are advised to conduct their own research and consult financial advisors before making investment decisions. Market investments carry inherent risks, and past performance does not guarantee future results.
Research Updated: November 2024 Analysts: Strategic Research Team
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