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Suryoday Small Finance Bank Limited SURYODAY NSEFINANCIAL

Financial Services · Banks - Regional · India
https://suryoday.bank.in
Company Profile ↓
₹152.07
+24.99% 1Y
Mkt Cap₹1,616.35 Cr
P/E10.64
P/B0.83
Div. Yield0.92%
52W High₹194.31
52W Low₹115.50
Book Value₹195.53
EPS (TTM)₹14.29

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 10.6, below the sector median of 19.6.

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 +10.2%, earnings +32.2%.
  • 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:10.20%

Compounded Profit Growth

5 Years:25.06%
1 Year:32.19%

Stock Price Performance

1 Year:+24.99%
6 Months:+15.87%
3 Months:-12.38%
1 Month:-6.49%

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

Technical Snapshot Mixed
52-Week Range 46% of range
₹115.50 ₹194.31
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)41.14 · Neutral
Price Performance
1M-6.49%
3M-12.38%
6M+15.87%
1Y+24.99%
Valuation vs Sector

P/E of 10.64 is below the sector median of 19.62 — 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.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
10.64
Industry PE
19.62
Forward P/E
4.31
PEG Ratio
-
Book Value
₹195.53
Price to Book
0.83
P/S
1.22
EV/EBITDA
-
Dividend Yield
0.92%

Growth (CAGR)

Revenue 5Y
20.00%
Profit 5Y
25.06%
Revenue (YoY)
10.20%
Earnings (YoY)
32.19%

Profitability & Returns

ROCE
-
ROE
7.31%
ROA
0.76%
Profit Margin
10.42%
Op Margin
23.87%
Gross Margin
0.00%
EPS (Latest Qtr)
₹7.07
EPS (TTM)
₹14.29

Balance Sheet & Liquidity

Debt/Equity
1.37
Quick Ratio
-
Current Ratio
-
Debt
₹2,854.01 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
18.93%
Chg in FII Hold
-0.04%

Financial Snapshot

Enterprise Value
₹1,616.35 Cr
Total Revenue (TTM)
₹1,458.30 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 152.07 10.64 ₹1,616.35 Cr 0.92% - 7.31% 20.00% 25.06%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
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
18.93%
Public Float
29.31%

Analyst View

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Latest News

Recent headlines for SURYODAY

Google News hu, 25 Jun 2026

SURYODAY Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Wed, 29 Jul 2026

Despite Suryoday Small Finance Bank's Pullback, Insiders Still Gained ₹1.9m - simplywall.st

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Google News Fri, 24 Jul 2026

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

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Google News Fri, 04 Sep 2026

Suryoday Small Finance Bank Share Price - Upstox

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Google News Sun, 30 Aug 2026

Suryoday Small Finance Bank Ltd. Key Financial Ratios – Valuation, Profitability & More - Value Research

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Google News Fri, 03 Apr 2026

Suryoday SFB Q4 updates: Gross advances jump 29% YoY, deposits surge 32% - The Economic Times

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SURYODAY — Frequently Asked Questions

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

As of 2026-09-08 04:53 IST, Suryoday Small Finance Bank Limited (SURYODAY) trades at ₹152.07 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 ₹1,616.35 Cr on NSE.

What is the P/E ratio of SURYODAY?

SURYODAY trades at a trailing price-to-earnings (P/E) ratio of 10.64. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.83.

Does SURYODAY pay a dividend?

Suryoday Small Finance Bank Limited (SURYODAY) currently offers a dividend yield of 0.92%.

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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