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Consolidated Standalone

Suryoday Small Finan

₹143.3 -6 | 4%

Market Cap ₹1523 Cr.

Stock P/E 13.2

P/B 0.8

Current Price ₹143.3

Book Value ₹ 183.4

Face Value 10

52W High ₹163.2

Dividend Yield 0%

52W Low ₹ 90

Edit Ratio

Suryoday Small Finan Research see more...

Overview Inc. Year: 2008Industry: Bank - Private

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.

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Suryoday Small Finan Share Price

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Peer Comparison

Suryoday Small Finan Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Interest Earned 358 375 411 445 488 507 488 471 495 520
Other Income 51 52 52 65 70 47 40 60 109 80
Total Income 409 427 463 509 558 555 527 531 604 600
Interest Expense 133 154 165 174 195 207 220 226 248 261
Operating Expenditure 159 178 183 207 219 221 236 258 247 259
Provisions and contingencies 54 27 38 48 52 67 34 93 62 40
Operating Profit 63 68 76 80 93 60 38 -47 47 39
Profit Before Tax 63 68 76 80 93 60 38 -47 47 39
Provision for Tax 16 17 19 19 23 15 4 -13 12 9
Profit After Tax 48 50 57 61 70 45 33 -34 35 30
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 48 50 57 61 70 45 33 -34 35 30
Adjusted Earnings Per Share 4.5 4.7 5.4 5.7 6.6 4.3 3.1 -3.2 3.3 2.9

Suryoday Small Finan Profit & Loss

#(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 1974
Other Income 8 1 1 38 67 87 76 94 97 219 217 289
Total Income 118 200 255 325 597 854 853 1035 1281 1808 2171 2262
Interest Expense 55 95 115 123 191 276 366 357 437 626 848 955
Operating Expenditure 35 59 102 131 194 272 329 413 507 728 934 1000
Provisions and contingencies 2 5 14 55 74 152 146 392 237 166 245 229
Operating Profit 25 42 24 16 138 154 12 -127 101 288 144 77
Profit Before Tax 25 42 24 16 138 154 12 -127 101 288 144 77
Provision for Tax 9 14 9 6 52 43 0 -34 23 72 29 12
Profit After Tax 17 27 15 10 87 111 12 -93 78 216 115 64
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 64
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 6.1

Growth Rates

# 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 -10% 13% NA% NA%
ROE Average 6% 8% 4% 7%
ROCE Average 7% 8% 6% 11%

Suryoday Small Finan Balance Sheet

#(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

Suryoday Small Finan Cash Flow

#(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

Suryoday Small Finan Ratios

# 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

Suryoday Small Finan Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 23.3 22.4 22.4 22.4 22.39 22.3 22.3 22.44 22.44 22.44
FII 1.68 2.16 2.91 2.91 3.02 3.5 4.8 4.67 4.68 4.66
DII 18.67 18.37 17.01 14.04 12.65 8 5.89 5.66 5.93 6.62
Public 56.35 57.06 57.68 60.66 61.95 66.19 67.01 67.23 66.96 66.28
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.8 times its book value

Cons

  • Promoter holding is low: 22.44%.
  • Company has a low return on equity of 8% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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