WEBSITE BSE:543279 NSE: SURYODAY Inc. Year: 2008 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:50
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Suryoday Small Finance Bank Ltd operates as a small finance bank commonly serving the unserved and underserved with a focal point on financial inclusion in India. It operates through Treasury, Wholesale, Retail, and Other Banking Operations segments. The enterprise accepts financial savings and current accounts, term and fixed deposits, and recurring deposits. It also offers finance for loan and commercial cars; and loans to micro, small, and medium organizations, as well as loans to non-banking finance businesses. In addition, the company offe...Read More
Suryoday Small Finance Bank Ltd operates as a small finance bank commonly serving the unserved and underserved with a focal point on financial inclusion in India. It operates through Treasury, Wholesale, Retail, and Other Banking Operations segments. The enterprise accepts financial savings and current accounts, term and fixed deposits, and recurring deposits. It also offers finance for loan and commercial cars; and loans to micro, small, and medium organizations, as well as loans to non-banking finance businesses. In addition, the company offers domestic loans, secured commercial enterprise loans against property, joint liability organization loans, and emergency credit line guarantee schemes. Further, it affords life, general, and group health insurance, in addition to national pension and social protection schemes. Additionally, the organization offers debit cards and NRI banking services; and internet, cellphone, tab, and mobile banking offerings. As of March 31, 2021, it operated 556 banking retailers across thirteen states and union territories. The business enterprise changed into previously referred to as Suryoday Micro Finance Ltd and changed its name to Suryoday Small Finance Bank Ltd in January 2017. Suryoday Small Finance Bank Ltd become integrated in 2008 and is primarily based in Navi Mumbai, India. ...Read Less
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Market Cap ₹1694 Cr.
Stock P/E 14.7
P/B 0.8
Current Price ₹159.3
Book Value ₹ 190.9
Face Value 10
52W High ₹161
Dividend Yield 0%
52W Low ₹ 111
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 375 | 411 | 445 | 488 | 507 | 488 | 471 | 495 | 520 | 544 |
| Other Income | 52 | 52 | 65 | 70 | 47 | 40 | 60 | 109 | 80 | 81 |
| Total Income | 427 | 463 | 509 | 558 | 555 | 527 | 531 | 604 | 600 | 625 |
| Interest Expense | 154 | 165 | 174 | 195 | 207 | 220 | 226 | 248 | 261 | 267 |
| Operating Expenditure | 178 | 183 | 207 | 219 | 221 | 236 | 258 | 247 | 259 | 269 |
| Provisions and contingencies | 27 | 38 | 48 | 52 | 67 | 34 | 93 | 62 | 40 | 41 |
| Operating Profit | 68 | 76 | 80 | 93 | 60 | 38 | -47 | 47 | 39 | 48 |
| Profit Before Tax | 68 | 76 | 80 | 93 | 60 | 38 | -47 | 47 | 39 | 48 |
| Provision for Tax | 17 | 19 | 19 | 23 | 15 | 4 | -13 | 12 | 9 | 11 |
| Profit After Tax | 50 | 57 | 61 | 70 | 45 | 33 | -34 | 35 | 30 | 37 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 50 | 57 | 61 | 70 | 45 | 33 | -34 | 35 | 30 | 37 |
| Adjusted Earnings Per Share | 4.7 | 5.4 | 5.7 | 6.6 | 4.3 | 3.1 | -3.2 | 3.3 | 2.9 | 3.4 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 111 | 199 | 254 | 287 | 530 | 767 | 776 | 942 | 1184 | 1589 | 1954 | 2030 |
| Other Income | 8 | 1 | 1 | 38 | 67 | 87 | 76 | 94 | 97 | 219 | 217 | 330 |
| Total Income | 118 | 200 | 255 | 325 | 597 | 854 | 853 | 1035 | 1281 | 1808 | 2171 | 2360 |
| Interest Expense | 55 | 95 | 115 | 123 | 191 | 276 | 366 | 357 | 437 | 626 | 848 | 1002 |
| Operating Expenditure | 35 | 59 | 102 | 131 | 194 | 272 | 329 | 413 | 507 | 728 | 934 | 1033 |
| Provisions and contingencies | 2 | 5 | 14 | 55 | 74 | 152 | 146 | 392 | 237 | 166 | 245 | 236 |
| Operating Profit | 25 | 42 | 24 | 16 | 138 | 154 | 12 | -127 | 101 | 288 | 144 | 87 |
| Profit Before Tax | 25 | 42 | 24 | 16 | 138 | 154 | 12 | -127 | 101 | 288 | 144 | 87 |
| Provision for Tax | 9 | 14 | 9 | 6 | 52 | 43 | 0 | -34 | 23 | 72 | 29 | 19 |
| Profit After Tax | 17 | 27 | 15 | 10 | 87 | 111 | 12 | -93 | 78 | 216 | 115 | 68 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 17 | 27 | 15 | 10 | 87 | 111 | 12 | -93 | 78 | 216 | 115 | 68 |
| Adjusted Earnings Per Share | 5.1 | 7.2 | 2.4 | 1.5 | 10.6 | 12.8 | 1.1 | -8.8 | 7.3 | 20.3 | 10.8 | 6.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 23% | 28% | 21% | 33% |
| Operating Profit CAGR | -50% | 0% | -1% | 19% |
| PAT CAGR | -47% | 0% | 1% | 21% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 21% | 11% | -8% | NA% |
| ROE Average | 6% | 8% | 4% | 7% |
| ROCE Average | 7% | 8% | 6% | 11% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 132 | 198 | 501 | 540 | 881 | 1066 | 1597 | 1505 | 1585 | 1805 | 1927 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 0 | 0 | 22 | 750 | 1593 | 2849 | 3256 | 3854 | 5167 | 7777 | 10580 |
| Borrowings | 298 | 956 | 1022 | 718 | 1124 | 1265 | 1667 | 2551 | 2765 | 2443 | 2710 |
| Other Liabilities & Provisions | 327 | 39 | 60 | 156 | 163 | 185 | 193 | 270 | 344 | 352 | 397 |
| Total Liabilities | 757 | 1193 | 1604 | 2164 | 3761 | 5365 | 6712 | 8180 | 9861 | 12378 | 15614 |
| Cash and balance with RBI | 0 | 2 | 27 | 31 | 48 | 61 | 103 | 607 | 784 | 814 | 1466 |
| Bank Balance | 167 | 171 | 107 | 176 | 228 | 777 | 494 | 370 | 41 | 366 | 243 |
| Investments | 1 | 0 | 594 | 311 | 664 | 808 | 1874 | 2058 | 2570 | 2599 | 3137 |
| Advances | 544 | 983 | 820 | 1575 | 2680 | 3532 | 3983 | 4751 | 6015 | 8078 | 9974 |
| Fixed Assets | 2 | 2 | 6 | 13 | 18 | 30 | 35 | 66 | 163 | 152 | 156 |
| Other Assets | 43 | 35 | 49 | 57 | 122 | 148 | 216 | 279 | 286 | 352 | 503 |
| Total Assets | 757 | 1193 | 1604 | 2164 | 3761 | 5365 | 6712 | 8180 | 9861 | 12378 | 15614 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 54 | 126 | 173 | 81 | 169 | 265 | 835 | 593 | 974 | 824 | 1174 |
| Cash Flow from Operating Activities | -144 | -350 | -231 | 458 | -548 | 526 | -876 | -347 | -98 | 935 | 1320 |
| Cash Flow from Investing Activities | 3 | -2 | -158 | -84 | -14 | -167 | -280 | -158 | -266 | -263 | -1059 |
| Cash Flow from Financing Activities | 214 | 399 | 350 | -285 | 658 | 210 | 915 | 885 | 213 | -322 | 268 |
| Net Cash Inflow / Outflow | 72 | 47 | -39 | 88 | 97 | 569 | -241 | 381 | -150 | 349 | 529 |
| Closing Cash & Cash Equivalent | 126 | 173 | 134 | 169 | 265 | 835 | 593 | 974 | 824 | 1174 | 1703 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 5.11 | 7.16 | 2.36 | 1.5 | 10.61 | 12.81 | 1.12 | -8.76 | 7.32 | 20.34 | 10.82 |
| CEPS(Rs) | 5.47 | 7.51 | 2.69 | 2.19 | 11.3 | 13.94 | 2.53 | -6.94 | 11.4 | 25.17 | 16.05 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 39.84 | 51.33 | 77.98 | 79.46 | 107.38 | 122.31 | 149.51 | 140.91 | 148.45 | 169.01 | 180.19 |
| Yield on Advances | 20.34 | 20.23 | 30.95 | 18.22 | 19.78 | 21.71 | 19.49 | 19.82 | 19.68 | 19.67 | 19.59 |
| Yield on Investments | 0 | 1159.76 | 1.61 | 7.99 | 5.67 | 7.42 | 4.85 | 5.13 | 4.45 | 7.15 | 6.59 |
| Cost of Liabilities | 18.5 | 9.92 | 11.04 | 8.39 | 7.04 | 6.71 | 7.43 | 5.58 | 5.51 | 6.13 | 6.38 |
| NIM (Net Interest Margin) | 7.79 | 9 | 8.95 | 7.82 | 9.36 | 9.47 | 6.36 | 7.51 | 7.93 | 8.12 | 7.46 |
| Interest Spread | 1.84 | 10.32 | 19.91 | 9.82 | 12.74 | 14.99 | 12.06 | 14.24 | 14.17 | 13.54 | 13.21 |
| ROA(%) | 2.91 | 2.82 | 1.08 | 0.54 | 2.92 | 2.43 | 0.2 | -1.25 | 0.86 | 1.94 | 0.82 |
| ROE(%) | 15.42 | 16.73 | 4.34 | 1.95 | 12.26 | 11.47 | 0.9 | -6.04 | 5.06 | 12.81 | 6.2 |
| ROCE(%) | 25.64 | 17.26 | 10.39 | 8.24 | 15.13 | 11.46 | 4.98 | 0.05 | 6.26 | 11.06 | 7.19 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 245.1 | 0 | 12.99 | 7.92 | 9.28 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 1.83 | 0.62 | 0.64 | 0.95 | 0.56 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 2.99 | 5 | 4.28 | 2.74 | 2.27 | 1.76 | 5.89 | 3.7 | 3.19 | 2.61 | 1.93 |
| EV/Core EBITDA(x) | 11.85 | 21.46 | 28.72 | 11.16 | 5.68 | 4.42 | 28.89 | 13.15 | 11.19 | 9.15 | 9.7 |
| Interest Earned Growth(%) | 93.12 | 79.83 | 27.59 | 13.1 | 84.78 | 44.63 | 1.23 | 21.35 | 25.68 | 34.22 | 22.98 |
| Net Profit Growth | 91.04 | 62.87 | -44.98 | -32.95 | 755.27 | 28.1 | -89.31 | -884.72 | 183.51 | 177.97 | -46.77 |
| Advances Growth | 80.11 | 80.77 | -16.58 | 92.15 | 70.14 | 31.81 | 12.76 | 19.29 | 26.61 | 34.3 | 23.48 |
| EPS Growth(%) | 54.71 | 40.07 | -67.07 | -36.36 | 607.61 | 20.69 | -91.28 | -884.49 | 183.51 | 177.86 | -46.81 |
| Loans/Deposits(x) | 0 | 0 | 4630.33 | 95.77 | 70.55 | 44.39 | 51.19 | 66.2 | 53.52 | 31.41 | 25.62 |
| Cash/Deposits(x) | 0 | 0 | 1.21 | 0.04 | 0.03 | 0.02 | 0.03 | 0.16 | 0.15 | 0.1 | 0.14 |
| Current Ratio(x) | 0 | 0 | 26.92 | 0.42 | 0.42 | 0.28 | 0.58 | 0.53 | 0.5 | 0.33 | 0.3 |
| Quick Ratio(x) | 0 | 0 | 4630.33 | 95.77 | 70.55 | 44.39 | 51.19 | 66.2 | 53.52 | 31.41 | 25.62 |
| CASA % | 0 | 0 | 8.31 | 11.03 | 11.25 | 11.45 | 15.45 | 18.79 | 17.11 | 20.13 | 20.91 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 22.4 | 22.4 | 22.39 | 22.3 | 22.3 | 22.44 | 22.44 | 22.44 | 22.44 | 22.48 |
| FII | 2.91 | 2.91 | 3.02 | 3.5 | 4.8 | 4.67 | 4.68 | 4.66 | 4.97 | 5.23 |
| DII | 17.01 | 14.04 | 12.65 | 8 | 5.89 | 5.66 | 5.93 | 6.62 | 6.11 | 5.72 |
| Public | 57.68 | 60.66 | 61.95 | 66.19 | 67.01 | 67.23 | 66.96 | 66.28 | 66.49 | 66.57 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.38 | 2.38 | 2.38 | 2.37 | 2.37 | 2.38 | 2.38 | 2.38 | 2.38 | 2.39 |
| FII | 0.31 | 0.31 | 0.32 | 0.37 | 0.51 | 0.5 | 0.5 | 0.5 | 0.53 | 0.56 |
| DII | 1.81 | 1.49 | 1.34 | 0.85 | 0.63 | 0.6 | 0.63 | 0.7 | 0.65 | 0.61 |
| Public | 6.12 | 6.44 | 6.58 | 7.03 | 7.12 | 7.15 | 7.12 | 7.05 | 7.07 | 7.08 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 10.62 | 10.62 | 10.62 | 10.62 | 10.63 | 10.63 | 10.63 | 10.63 | 10.63 | 10.63 |
* The pros and cons are machine generated.
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