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Suryoday Small Finance Bank Limited SURYODAY NSEFINANCIAL

Financial Services · Banks - Regional · India
https://suryoday.bank.in
Company Profile ↓
₹143.39
+17.85% 1Y
Mkt Cap₹1,524.19 Cr
P/E7.94
P/B0.76
Div. Yield1.01%
52W High₹194.31
52W Low₹115.50
Book Value₹195.53
EPS (TTM)₹18.05

Company Overview

Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, current, and special accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro housing loans and micro LAP; home loan; secured business loan; personal loan; MSME loan; merchant loan for business; small business loan; and supply chain finance, as well as joint liability group and individual unsecured loans. In addition, the company offers debit and credit cards; life and general insurance services; social security schemes and mutual funds and broking services; inward and outward remittance services; and internet banking and mobile banking services. The company was incorporated in 2008 and is based in Navi Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 25.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 20.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 7.9, below the sector median of 15.4.

Healthy Margins

Operating margin of 23.9% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹1,458.30 Cr (+10.2% YoY); net profit ₹151.97 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +45.4%, earnings +113.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 20.0%, profit CAGR 25.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:20.00%
1 Year:45.40%

Compounded Profit Growth

5 Years:25.06%
1 Year:113.00%

Stock Price Performance

1 Year:+17.85%
6 Months:-0.44%
3 Months:-26.21%
1 Month:-2.42%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 35% of range
₹115.50 ₹194.31
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Death Cross3d ago
  • RSI (14)41.35 · Neutral
Price Performance
1M-2.42%
3M-26.21%
6M-0.44%
1Y+17.85%
Valuation vs Sector

P/E of 7.94 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 20.0% over 5 years.
  • Profit CAGR of 25.1% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading 26.2% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.94
Industry PE
15.36
Forward P/E
4.07
PEG Ratio
-
Book Value
₹195.53
Price to Book
0.76
P/S
1.12
EV/EBITDA
-
Dividend Yield
1.01%

Growth (CAGR)

Revenue 5Y
20.00%
Profit 5Y
25.06%
Revenue (YoY)
45.40%
Earnings (YoY)
113.00%

Profitability & Returns

ROCE
-
ROE
7.31%
ROA
0.76%
Profit Margin
13.64%
Op Margin
23.87%
Gross Margin
0.00%
EPS (Latest Qtr)
₹7.07
EPS (TTM)
₹18.05

Balance Sheet & Liquidity

Debt/Equity
1.37
Quick Ratio
-
Current Ratio
-
Debt
₹3,122.36 Cr
Total Assets
₹19,883.96 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
35.40%
Chg in Prom Hold
-0.30%
FII / Inst Holding
18.97%
Chg in FII Hold
-0.03%

Financial Snapshot

Enterprise Value
₹1,524.19 Cr
Total Revenue (TTM)
₹1,407.14 Cr
EBITDA
-
Free Cash Flow
₹576.74 Cr
Operating Cash Flow
₹652.33 Cr
Shares Outstanding
₹10.63 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SURYODAY Suryoday Small Finance Bank Limited NSEFINANCIAL 143.39 7.94 ₹1,524.19 Cr 1.01% - 7.31% 20.00% 25.06%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 307.82 Cr304.76 Cr355.79 Cr357.69 Cr406.85 Cr463.59 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses 236.46 Cr258.12 Cr246.87 Cr268.68 Cr299.88 Cr325.03 Cr
Operating Income ------
EBITDA ------
Interest Expense 219.58 Cr225.92 Cr248.03 Cr267.06 Cr285.04 Cr306.63 Cr
Pretax Income 37.74 Cr-46.78 Cr46.83 Cr47.79 Cr65.65 Cr101.90 Cr
Tax Provision 4.44 Cr-13.00 Cr11.55 Cr11.23 Cr15.93 Cr26.72 Cr
Net Income 33.30 Cr-33.78 Cr35.28 Cr36.56 Cr49.72 Cr75.18 Cr
Diluted EPS 3.12-3.183.323.444.687.07

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -843.98 Cr1,181.61 Cr1,323.34 Cr1,458.30 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -506.54 Cr727.95 Cr934.19 Cr1,074.33 Cr
Operating Income -----
EBITDA -----
Interest Expense -437.11 Cr626.47 Cr847.61 Cr1,061.58 Cr
Pretax Income -100.86 Cr287.33 Cr114.96 Cr151.97 Cr
Tax Provision -23.17 Cr71.61 Cr28.87 Cr47.60 Cr
Net Income -77.69 Cr215.96 Cr114.96 Cr151.97 Cr
Diluted EPS -8.767.3220.1510.7514.29

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -9,861.22 Cr12,377.68 Cr15,614.39 Cr19,883.96 Cr
Current Assets -----
Cash & Equivalents -825.15 Cr1,180.07 Cr1,709.38 Cr2,098.76 Cr
Inventory -----
Receivables 78.63 Cr82.03 Cr122.41 Cr407.22 Cr626.67 Cr
Total Liabilities -8,276.49 Cr10,572.73 Cr13,687.29 Cr17,805.64 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -2,041.31 Cr1,726.27 Cr2,485.47 Cr2,854.01 Cr
Total Equity -1,584.73 Cr1,804.96 Cr1,927.09 Cr2,078.32 Cr
Shares Outstanding -10.62 Cr10.62 Cr10.63 Cr10.63 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --97.70 Cr934.73 Cr1,319.98 Cr652.33 Cr
Investing Cash Flow --265.70 Cr-263.36 Cr-1,058.99 Cr-791.57 Cr
Financing Cash Flow -213.47 Cr-321.92 Cr268.32 Cr412.13 Cr
Capital Expenditure --92.64 Cr-55.67 Cr-176.93 Cr-75.59 Cr
Free Cash Flow --190.34 Cr879.06 Cr1,143.05 Cr576.74 Cr
Net Change in Cash --149.93 Cr349.45 Cr529.31 Cr272.90 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -9.2%18.3%8.7%10.4%
ROE % -4.9%12.0%6.0%7.3%
ROCE % -----

Shareholding Pattern

Insiders
35.40%
Institutions
18.97%
Public Float
29.37%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SURYODAY

Google News Mon, 05 Oct 2026

News by CNBC TV18 on TradingView, 2026-10-05 — cnbctv:e21921b7e094b:0 - TradingView

<a href="https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAyUUp1UmpRS3o1ZHMtNHV4RWdLVWxMb0NJQ2R3ZDh5My1BNGlERWtjZFJqLTRyQTBQV09qNjAwa3JDMWIxNmVMX3FfVFdLREhEX0JodkQ2ajYyZTlYbFpSN2hqQ3Y2cW8?oc=5" target="_blank">News by CNBC TV18 on Trading…

Google News Sat, 25 Jul 2026

SURYODAY: Upcoming Capital Raises Will Support Stronger Long-Term Earnings Profile - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMi5wJBVV95cUxQTVhHdTVfanJJcFdkMXNDOUNid1ZWd2ZsWTVkTFBaWmV3VHg1S0J0QzhZd0Z5T3I0eFVzcXY2clVnT3lWVTduSlIzcENvVUpOTWF6aWJURmRaeUlCLXBBWVlwZUJiZThHQ0IzYVVqaWUzRlRNTjZsV3E3N0VKa042MGNQZHNVZ2R3NktJS2…

Google News Fri, 24 Jul 2026

Buzzing Stock: Suryoday Small Finance Bank rallies 9%, Infosys, IndiGo, Meesho react to Q1 results - Moneycontrol.com

<a href="https://news.google.com/rss/articles/CBMi7wFBVV95cUxPTW5nZWc1a3dhalZBWXpKeDU4OVhpMEtCMTJVZlUtMm9naU9HMTgyVHFZT3BUU2Z2UURWTFI3amlWZlQzVjNkd1p2VnJjWEhwUE5sTUp2ZFpLQ25QMzdJMmxZY0xDb3JpREczUDV6bzFveFFKcThYSFYtSjIySl91dlRmU05GeEtlM2tCZ1…

Google News hu, 25 Jun 2026

SURYODAY Forecast — Price Target — Prediction for 2027 - TradingView

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Google News hu, 07 May 2026

Suryoday Small Finance Bank reports Q4 profit at Rs 49 crore - The Economic Times

<a href="https://news.google.com/rss/articles/CBMi1AFBVV95cUxPN0VrTVdWejVBQ3ZTVnZWcS1ZNHJid2tydm5vOEVWM2FjM1BRcm1XR1pTTGdKOUpyOUM0MlhUSENUWFZ4Y1poZVB1ei0zTFJkR1FPWVowajk2QjZ6OVRLWEtpZUJvT1JXaTV3cjlHdUpLQTlreVNTVjNYaWhmN1FqTmlXbDJSb3ItWHBJVU…

Google News Sun, 04 Oct 2026

Suryoday SFB shares gain 5% as disbursements grow 27% YoY, asset quality improves in Q2 - Upstox

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxPZGtwMDJyc29aa1JtNkJHTUcwazIxU25yWUczRGpabDVIMW0xMU9DdnM3SFBRdW5yenJuVEJMSmNSMGtjSDJ5TEkzNnU2aUdCVjQxOVZOZ0ZoQ0w4SGpyaTdEVkMzTTFSNWU5dDlDcjhmQkhFTEZxUnRRc0MtZURUVHBpckVPWmk2eldFTm…

SURYODAY — Frequently Asked Questions

What is the current share price of Suryoday Small Finance Bank Limited (SURYODAY)?

As of 2026-10-23 04:58 IST, Suryoday Small Finance Bank Limited (SURYODAY) trades at ₹143.39 on NSE. Its 52-week range is ₹115.50 to ₹194.31.

What is the market capitalisation of SURYODAY?

Suryoday Small Finance Bank Limited (SURYODAY) has a market capitalisation of ₹1,524.19 Cr on NSE.

What is the P/E ratio of SURYODAY?

SURYODAY trades at a trailing price-to-earnings (P/E) ratio of 7.94. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.76.

Does SURYODAY pay a dividend?

Suryoday Small Finance Bank Limited (SURYODAY) currently offers a dividend yield of 1.01%.

What is the return on equity (ROE) of SURYODAY?

SURYODAY has a return on equity (ROE) of 7.31%.

Is SURYODAY a good stock to buy?

This page provides a data-driven analysis of Suryoday Small Finance Bank Limited (SURYODAY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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