Suryoday Small Finance Bank Limited SURYODAY NSEFINANCIAL
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, and current accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro home 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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Compounding revenue at 20.0% over 5 years.
- Profit CAGR of 25.1% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SURYODAY Suryoday Small Finance Bank Limited NSEFINANCIAL | 163.59 | 11.44 | ₹1,738.80 Cr | - | - | 7.59% | 20.00% | 25.06% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 307.82 Cr | 304.76 Cr | 355.79 Cr | 357.69 Cr | 406.85 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 236.46 Cr | 258.12 Cr | 246.87 Cr | 268.68 Cr | 299.88 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 219.58 Cr | 225.92 Cr | 248.03 Cr | 267.06 Cr | 285.04 Cr |
| Pretax Income | 37.74 Cr | -46.78 Cr | 46.83 Cr | 47.79 Cr | 65.65 Cr |
| Tax Provision | 4.44 Cr | -13.00 Cr | 11.55 Cr | 11.23 Cr | 15.93 Cr |
| Net Income | 33.30 Cr | -33.78 Cr | 35.28 Cr | 36.56 Cr | 49.72 Cr |
| Diluted EPS | 3.12 | -3.18 | 3.32 | 3.44 | 4.68 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 843.98 Cr | 1,181.61 Cr | 1,323.39 Cr | 1,458.38 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 506.54 Cr | 727.95 Cr | 934.19 Cr | 1,074.33 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 437.11 Cr | 626.47 Cr | 847.61 Cr | 1,061.58 Cr |
| Pretax Income | - | 100.86 Cr | 287.33 Cr | 143.83 Cr | 199.57 Cr |
| Tax Provision | - | 23.17 Cr | 71.61 Cr | 28.86 Cr | 47.60 Cr |
| Net Income | - | 77.69 Cr | 215.96 Cr | 114.97 Cr | 151.97 Cr |
| Diluted EPS | -8.76 | 7.32 | 20.15 | 10.75 | - |
Compounded Sales Growth
| 5 Years: | 20.00% |
| 1 Year: | 73.00% |
Compounded Profit Growth
| 5 Years: | 25.06% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +15.78% |
| 6 Months: | +15.98% |
| 3 Months: | +33.98% |
| 1 Month: | +9.05% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 9,861.22 Cr | 12,377.68 Cr | 15,614.39 Cr | 19,883.96 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 825.15 Cr | 1,180.07 Cr | 1,709.38 Cr | 2,098.77 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 78.63 Cr | 82.03 Cr | 122.41 Cr | 407.22 Cr | - |
| Total Liabilities | - | 8,276.49 Cr | 10,572.73 Cr | 13,687.29 Cr | 17,805.64 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,041.31 Cr | 1,726.27 Cr | 2,485.47 Cr | 3,122.36 Cr |
| Total Equity | - | 1,584.73 Cr | 1,804.96 Cr | 1,927.09 Cr | 2,078.32 Cr |
| Shares Outstanding | - | 10.62 Cr | 10.62 Cr | 10.63 Cr | 10.63 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -97.70 Cr | 934.73 Cr | 1,319.98 Cr | 652.33 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 Cr | 268.32 Cr | 412.13 Cr |
| Capital Expenditure | - | -92.64 Cr | -55.67 Cr | -176.93 Cr | -75.59 Cr |
| Free Cash Flow | - | -190.34 Cr | 879.06 Cr | 1,143.05 Cr | 576.74 Cr |
| Net Change in Cash | - | -149.93 Cr | 349.45 Cr | 529.31 Cr | 272.89 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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