{"id":192092,"date":"2026-08-10T10:13:15","date_gmt":"2026-08-10T04:43:15","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=192092"},"modified":"2026-08-10T10:13:16","modified_gmt":"2026-08-10T04:43:16","slug":"icici-bank-vs-yes-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/","title":{"rendered":"ICICI Bank vs Yes Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>ICICI Bank MCap Rs 10,36,157 Cr, PE 17.34x, ROE 15.00%. Yes Bank MCap Rs 71,940 Cr, PE 19.10x, ROE 7.20%.<\/em><\/p>\n<p>ICICI Bank vs Yes Bank is a comparison investors look up when evaluating private sector banks with very different risk profiles. ICICI Bank is India&#8217;s second largest private bank with a diversified retail, corporate and international franchise, while Yes Bank is a mid-size bank that underwent reconstruction in 2020 and is in a gradual recovery phase. The two are not directly comparable in size or risk profile, but the question comes up often among investors studying private bank valuations.<\/p>\n<p>This ICICI Bank vs Yes Bank article covers reach and market position, key products, latest declared results and stock valuation. The ICICI Bank vs Yes Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#ICICI_Bank_vs_Yes_Bank_Reach_and_Market_Position\" title=\"ICICI Bank vs Yes Bank: Reach and Market Position\">ICICI Bank vs Yes Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#ICICI_Bank_vs_Yes_Bank_Key_Products_and_Business_Mix\" title=\"ICICI Bank vs Yes Bank: Key Products and Business Mix\">ICICI Bank vs Yes Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#ICICI_Bank_vs_Yes_Bank_Latest_Results\" title=\"ICICI Bank vs Yes Bank: Latest Results\">ICICI Bank vs Yes Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#ICICI_Bank_vs_Yes_Bank_Stock_and_Valuation\" title=\"ICICI Bank vs Yes Bank: Stock and Valuation\">ICICI Bank vs Yes Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#ICICI_Bank_vs_Yes_Bank_Quick_Comparison_Table\" title=\"ICICI Bank vs Yes Bank: Quick Comparison Table\">ICICI Bank vs Yes Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#What_happened_to_Yes_Bank\" title=\"What happened to Yes Bank?\">What happened to Yes Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Is_Yes_Bank_profitable_now\" title=\"Is Yes Bank profitable now?\">Is Yes Bank profitable now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#What_is_ICICI_Banks_ROE\" title=\"What is ICICI Bank&#8217;s ROE?\">What is ICICI Bank&#8217;s ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Is_ICICI_Bank_in_Nifty_50\" title=\"Is ICICI Bank in Nifty 50?\">Is ICICI Bank in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Is_Yes_Bank_a_good_long-term_investment\" title=\"Is Yes Bank a good long-term investment?\">Is Yes Bank a good long-term investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#How_does_ICICI_Bank_compare_to_HDFC_Bank\" title=\"How does ICICI Bank compare to HDFC Bank?\">How does ICICI Bank compare to HDFC Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-vs-yes-bank-comparison\/#Does_Yes_Bank_pay_dividends\" title=\"Does Yes Bank pay dividends?\">Does Yes Bank pay dividends?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Bank_vs_Yes_Bank_Reach_and_Market_Position\"><\/span><strong>ICICI Bank vs Yes Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the ICICI Bank side of the ICICI Bank vs Yes Bank comparison, ICICI Bank operates over 6,500 branches across India with a strong digital platform, retail lending franchise and international presence in UK, Canada, Singapore and the US. Market capitalisation is Rs 10,36,157 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=icici-vs-yesbank\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Yes Bank side of the ICICI Bank vs Yes Bank comparison, Yes Bank operates around 1,200 branches, primarily in metros and Tier 1 cities. The bank was placed under reconstruction in March 2020 and is now working on improving its loan book quality, retail deposit franchise and profitability. Market capitalisation is Rs 71,940 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Bank_vs_Yes_Bank_Key_Products_and_Business_Mix\"><\/span><strong>ICICI Bank vs Yes Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the ICICI Bank vs Yes Bank product comparison, ICICI Bank offers: ICICI Bank earns from retail loans, mortgages, vehicle loans, corporate credit, treasury, and fee-based products. EPS is Rs 83.28. P\/E is 17.34x, ROE 15.00 percent, PB 2.77. Dividend yield is 0.83 percent.<\/p>\n<p>For Yes Bank in this ICICI Bank vs Yes Bank breakdown: Yes Bank earns from SME and retail loans, corporate credit, and transaction banking. EPS is Rs 1.20. P\/E is 19.10x, ROE 7.20 percent, PB 1.37. The bank does not pay a dividend currently.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Bank_vs_Yes_Bank_Latest_Results\"><\/span><strong>ICICI Bank vs Yes Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Bank vs Yes Bank results for ICICI Bank: ICICI Bank has a market cap of Rs 10,36,157 Cr and P\/E of 17.34x. ROE is 15.00 percent, among the highest in Indian private banking. PB is 2.77 reflecting the premium attached to its profitable retail franchise.<\/p>\n<p>The ICICI Bank vs Yes Bank results for Yes Bank: Yes Bank has a market cap of Rs 71,940 Cr and P\/E of 19.10x. ROE of 7.20 percent reflects the bank&#8217;s ongoing recovery and the need to rebuild capital efficiency post-reconstruction. PB of 1.37 prices in both recovery progress and residual risk.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare ICICI Bank and Yes Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Bank_vs_Yes_Bank_Stock_and_Valuation\"><\/span><strong>ICICI Bank vs Yes Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Bank vs Yes Bank stock comparison uses the latest available market data from Groww. Investors tracking ICICI Bank vs Yes Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>ICICI Bank vs Yes Bank at current valuations: ICICI Bank trades at Rs 10,36,157 Cr market cap, P\/E 17.34x, ROE 15.00 percent, and PB 2.77. Yes Bank trades at Rs 71,940 Cr market cap, P\/E 19.10x, ROE 7.20 percent, and PB 1.37. Yes Bank&#8217;s P\/E appears optically elevated relative to its low ROE, signalling market expectation of future earnings recovery.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Bank_vs_Yes_Bank_Quick_Comparison_Table\"><\/span><strong>ICICI Bank vs Yes Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Bank vs Yes Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/icicibank\/icici-bank-ltd-share-price-today\">ICICI Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/yesbank\/yes-bank-ltd-share-price-today\">Yes Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Large private sector bank<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Mid-size private bank in recovery<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 10,36,157 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 71,940 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">17.34x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">19.10x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">15.00%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">7.20%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.77<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.37<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.83% yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None currently<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Status<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Tier 1 profitable franchise<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Post-reconstruction turnaround<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The ICICI Bank vs Yes Bank comparison above covers the key data points on reach, products, results and valuation. ICICI Bank vs Yes Bank presents two private banks at very different stages. ICICI Bank is a Tier 1 franchise with consistent profitability and improving ROE. Yes Bank is in a turnaround phase following its 2020 reconstruction under RBI and SBI-led consortium. Investors should review credit cost trajectory, deposit franchise stability, capital adequacy and the NPA resolution pipeline before taking a view on either. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track ICICI Bank and Yes Bank live price and get daily stock recommendations.<\/em><\/p>\n<p>SEBI Research Analyst Registration No. INH000013776<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_happened_to_Yes_Bank\"><\/span><strong>What happened to Yes Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes Bank faced a severe asset quality crisis in 2019 to 2020, leading to RBI-mandated reconstruction in March 2020. SBI led a consortium that infused capital, and the bank has been on a gradual recovery path since then.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Yes_Bank_profitable_now\"><\/span><strong>Is Yes Bank profitable now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes Bank has returned to profitability but at low ROE of approximately 7.20 percent. The bank is rebuilding its loan book and retail franchise, though profitability remains well below peers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_ICICI_Banks_ROE\"><\/span><strong>What is ICICI Bank&#8217;s ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ICICI Bank&#8217;s ROE is approximately 15.00 percent on a trailing twelve month basis, among the highest for Indian large-cap private banks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_ICICI_Bank_in_Nifty_50\"><\/span><strong>Is ICICI Bank in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. ICICI Bank is a constituent of Nifty 50 and is among the top-weighted banking stocks in Indian benchmark indices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Yes_Bank_a_good_long-term_investment\"><\/span><strong>Is Yes Bank a good long-term investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investors should review Yes Bank&#8217;s NPA resolution progress, deposit franchise growth, capital adequacy and loan book mix before forming a view. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_ICICI_Bank_compare_to_HDFC_Bank\"><\/span><strong>How does ICICI Bank compare to HDFC Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ICICI Bank has a slightly higher ROE and more diversified international business. HDFC Bank is known for its retail lending dominance and historically lower credit costs. Both are Nifty 50 constituents.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_Yes_Bank_pay_dividends\"><\/span><strong>Does Yes Bank pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes Bank does not currently pay dividends as it focuses on rebuilding capital buffers and improving profitability metrics post-reconstruction.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Bank vs Yes Bank compared on loan book, NIM, ROE, asset quality and valuation. Full data-backed breakdown for Indian private sector bank investors.<\/p>\n","protected":false},"author":35,"featured_media":192091,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802],"class_list":["post-192092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["192091"],"_edit_lock":["1786336999:29"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["78"],"rank_math_title":["ICICI Bank vs Yes Bank: Which Stock Should You Track"],"rank_math_description":["ICICI Bank vs Yes Bank compared on loan book, NIM, ROE, asset quality and valuation. 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