Suryoday Small Finan

₹208 5.5 | 2.7%

WEBSITE BSE:543279 NSE : SURYODAY 10 May, 16:01

Market Cap ₹2209 Cr.

Stock P/E 10.2

P/B 1.2

Current Price ₹208

Book Value ₹ 170

Face Value 10

52W High ₹219.6

Dividend Yield 0%

52W Low ₹ 113

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.

Suryoday Small Finan Share Price

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Suryoday Small Finan Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Interest Earned	255	237	281	281	292	329	358	375	411	445
Other Income	18	20	13	25	26	34	51	52	52	65
Total Income	273	257	295	306	317	363	409	427	463	509
Interest Expense	88	90	104	105	108	119	133	154	165	174
Operating Expenditure	105	118	111	107	146	142	159	178	183	207
Provisions and contingencies	73	112	69	76	40	51	54	27	38	48
Operating Profit	8	-64	10	17	24	50	63	68	76	80
Profit Before Tax	8	-64	10	17	24	50	63	68	76	80
Provision for Tax	3	-16	2	4	6	11	16	17	19	19
Profit After Tax	5	-48	8	13	18	39	48	50	57	61
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	5	-48	8	13	18	39	48	50	57	61
Adjusted Earnings Per Share	0.4	-4.5	0.7	1.2	1.7	3.7	4.5	4.7	5.4	5.7

Suryoday Small Finan Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Interest Earned	57	111	199	254	287	530	767	776	942	1184	1589
Other Income	4	8	1	1	38	67	87	76	94	97	220
Total Income	61	118	200	255	325	597	854	853	1035	1281	1808
Interest Expense	28	55	95	115	123	191	276	366	357	437	626
Operating Expenditure	19	35	59	102	131	194	272	329	413	507	727
Provisions and contingencies	2	2	5	14	55	74	152	146	392	237	167
Operating Profit	13	25	42	24	16	138	154	12	-127	101	287
Profit Before Tax	13	25	42	24	16	138	154	12	-127	101	287
Provision for Tax	4	9	14	9	6	52	43	0	-34	23	71
Profit After Tax	9	17	27	15	10	87	111	12	-93	78	216
Adjustments	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	9	17	27	15	10	87	111	12	-93	78	216
Adjusted Earnings Per Share	0	0	7.2	2.4	1.5	0	0	1.1	-8.8	7.3	20.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	26%	16%	33%	0%
Operating Profit CAGR	0%	-13%	45%	0%
PAT CAGR	0%	-11%	51%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	83%	-4%	NA%	NA%
ROE Average	5%	-0%	5%	7%
ROCE Average	6%	4%	8%	12%

Suryoday Small Finan Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	87	132	198	501	540	881	1066	1597	1505	1585
Minority's Interest	0	0	0	0	0	0	0	0	0	0
Deposits	0	0	0	22	750	1593	2849	3256	3854	5167
Borrowings	111	298	956	1022	718	1124	1265	1667	2551	2765
Other Liabilities & Provisions	201	327	39	60	156	163	185	193	270	344
Total Liabilities	400	757	1193	1604	2164	3761	5365	6712	8180	9861
Cash and balance with RBI	0	0	2	27	31	48	61	103	607	784
Bank Balance	75	167	171	107	176	228	777	494	370	49
Investments	1	1	0	594	311	664	808	1874	2058	2570
Advances	302	544	983	820	1575	2680	3532	3983	4751	6015
Fixed Assets	1	2	2	6	13	18	30	35	66	163
Other Assets	21	43	35	49	57	122	148	216	279	278
Total Assets	400	757	1193	1604	2164	3761	5365	6712	8180	9861

Suryoday Small Finan Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	42	54	126	173	81	169	265	835	593	974
Cash Flow from Operating Activities	-71	-144	-350	-231	458	-548	526	-876	-347	-98
Cash Flow from Investing Activities	4	3	-2	-158	-84	-14	-167	-280	-158	-266
Cash Flow from Financing Activities	79	214	399	350	-285	658	210	915	885	213
Net Cash Inflow / Outflow	11	72	47	-39	88	97	569	-241	381	-150
Closing Cash & Cash Equivalent	54	126	173	134	169	265	835	593	974	824

Suryoday Small Finan Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	3.3	5.11	7.16	2.36	1.5	10.61	12.81	1.12	-8.76	7.32
CEPS(Rs)	3.44	5.47	7.51	2.69	2.19	11.3	13.94	2.53	-6.94	11.4
DPS(Rs)	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	32.66	39.84	51.33	77.98	79.46	107.38	122.31	149.51	140.91	148.45
Yield on Advances	18.97	20.34	20.23	30.95	18.22	19.78	21.71	19.49	19.82	19.68
Yield on Investments	0	0	1159.76	1.6	7.99	5.67	7.42	4.85	5.13	4.45
Cost of Liabilities	25.37	18.5	9.92	11.04	8.39	7.04	6.71	7.43	5.58	5.51
NIM (Net Interest Margin)	7.68	7.79	9	8.95	7.82	9.36	9.47	6.36	7.51	7.93
Interest Spread	-6.4	1.84	10.32	19.91	9.82	12.74	14.99	12.06	14.24	14.17
ROA(%)	2.21	2.91	2.82	1.08	0.54	2.92	2.43	0.2	-1.25	0.86
ROE(%)	10.11	15.42	16.73	4.34	1.95	12.26	11.47	0.9	-6.04	5.06
ROCE(%)	20.68	25.64	17.26	10.39	8.24	15.13	11.46	4.98	0.05	6.26
PER(x)	0	0	0	0	0	0	0	245.1	0	12.99
Price/Book(x)	0	0	0	0	0	0	0	1.83	0.62	0.64
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	2.41	2.99	5	4.28	2.74	2.27	1.76	5.89	3.7	3.19
EV/Core EBITDA(x)	9.51	11.85	21.46	28.72	11.16	5.68	4.42	28.89	13.15	11.19
Interest Earned Growth(%)	0	93.12	79.83	27.59	13.1	84.78	44.63	1.23	21.35	25.68
Net Profit Growth	0	91.04	62.87	-44.98	-32.95	755.27	28.1	-89.31	-884.72	183.51
Advances Growth	0	80.11	80.77	-16.58	92.15	70.14	31.81	12.76	19.29	26.61
EPS Growth(%)	0	54.71	40.07	-67.07	-36.36	607.6	20.69	-91.28	-884.49	183.51
Loans/Deposits(x)	0	0	0	4630.33	95.77	70.55	44.39	51.19	66.2	53.52
Cash/Deposits(x)	0	0	0	1.21	0.04	0.03	0.02	0.03	0.16	0.15
Current Ratio(x)	0	0	0	26.92	0.42	0.42	0.28	0.58	0.53	0.5
Quick Ratio(x)	0	0	0	4630.33	95.77	70.55	44.39	51.19	66.2	53.52
CASA %	0	0	0	8.3	11.03	11.25	11.45	15.44	18.79	17.11

Suryoday Small Finan Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	28.01	28.01	28.01	28.01	23.3	23.3	23.3	22.4	22.4	22.4
FII	4.82	4.81	4.81	3.93	2.61	1.16	1.68	2.16	2.91	2.91
DII	29.55	29.17	27.36	22.52	22.19	20.93	18.67	18.37	17.01	14.04
Public	37.62	38.01	39.82	45.55	51.9	54.61	56.35	57.06	57.68	60.66
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	2.97	2.97	2.97	2.97	2.47	2.47	2.47	2.38	2.38	2.38
FII	0.51	0.51	0.51	0.42	0.28	0.12	0.18	0.23	0.31	0.31
DII	3.14	3.1	2.91	2.39	2.36	2.22	1.98	1.95	1.81	1.49
Public	3.99	4.04	4.23	4.84	5.51	5.8	5.98	6.06	6.12	6.44
Others	0	0	0	0	0	0	0	0	0	0
Total	10.62	10.62	10.62	10.62	10.62	10.62	10.62	10.62	10.62	10.62

Pros

Company has delivered good profit growth of 50% CAGR over last 5 years

Cons

Promoter holding is low: 22.4%.
Company has a low return on equity of -0% 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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Suryoday Small Finan

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Suryoday Small Finan Research see more...

Overview Inc. Year: 2008Industry: Bank - Private

Suryoday Small Finan Share Price

Alert Data

Quarterly Price

Peer Comparison

Suryoday Small Finan Quarterly Results

Suryoday Small Finan Profit & Loss

Growth Rates

Suryoday Small Finan Balance Sheet

Suryoday Small Finan Cash Flow

Suryoday Small Finan Ratios

Suryoday Small Finan Shareholding Pattern

Suryoday Small Finan News

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