Suryoday Small Finance Bank Limited SURYODAY NSEFINANCIAL
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, 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.
Why Investors Should Care
Net profit has compounded at 25.1% per year over the last five years.
Revenue has grown at a 20.0% CAGR over the past five years.
Trades at a P/E of 17.8, below the sector median of 19.8.
Operating margin of 18.0% supports profitability.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹1,458.38 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: | 32.18% |
Stock Price Performance
| 1 Year: | +39.70% |
| 6 Months: | +34.24% |
| 3 Months: | +33.07% |
| 1 Month: | +10.29% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)67.09 · Neutral
P/E of 17.80 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 191.40 | 17.80 | ₹2,034.39 Cr | 0.81% | - | 7.31% | 20.00% | 25.06% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | - |
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.
Latest News
Recent headlines for SURYODAY
Suryoday Bank fixes July 17 record date for ₹1.50 dividend - scanx.trade
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SURYODAY Forecast — Price Target — Prediction for 2027 - TradingView
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Suryoday SFB Q4 updates: Gross advances jump 29% YoY, deposits surge 32% - The Economic Times
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Suryoday Small Finance Bank delivers 66% return after Fair Value call - Investing.com India
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Suryoday Small Finance Bank Limited (NSE:SURYODAY) surges 14%; retail investors who own 41% shares profited along with insiders - simplywall.st
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Suryoday Small Finance Bank files BRSR for FY 2025-26 - scanx.trade
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SURYODAY — Frequently Asked Questions
What is the current share price of Suryoday Small Finance Bank Limited (SURYODAY)?
As of 2026-07-15 09:52 IST, Suryoday Small Finance Bank Limited (SURYODAY) trades at ₹191.40 on NSE. Its 52-week range is ₹116.44 to ₹191.57.
What is the market capitalisation of SURYODAY?
Suryoday Small Finance Bank Limited (SURYODAY) has a market capitalisation of ₹2,034.39 Cr on NSE.
What is the P/E ratio of SURYODAY?
SURYODAY trades at a trailing price-to-earnings (P/E) ratio of 17.80. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.98.
Does SURYODAY pay a dividend?
Suryoday Small Finance Bank Limited (SURYODAY) currently offers a dividend yield of 0.81%.
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.