Yes Bank is on the buzz today and this is thanks to its earnings for Q4FY25.

The Bank’s PAT came in at Rs.744 crore, up 20% sequentially and 63% YoY, reflecting operational improvement and potentially better loan book behaviour. This was on a stable rise in Net Interest Income (NII) driven mainly by other income and efficiency than just interest spreads.

There was a 19% QoQ jump in operating profit suggesting better margin management or expense control. Its provisions rose 12%, which is a bit conservative — but it didn’t prevent PAT from rising; which is likely proactive provisioning.

In terms of asset quality, Gross NPA improved from 1.8% to 1.7% and Net NPA was flat at 0.6%. This it is very positive in terms of asset quality stability.

Capital Adequacy (Basel III) stood at 15.75$ v/s 15.25%, indicating a healthy capital buffer for future lending growth.

Yes Bank’s Q4 FY25 numbers validate the turnaround story — improving profitability, controlled NPAs, and solid capital ratios. The stock rally is fundamentally justified, especially given how cautious the market’s been with Yes Bank in the past.

The stock, which had closed on Thursday at Rs.18.09, rallied up to Rs.19.37 and remains in the green though there are more sellers than buyers on the counter.