Suryoday Small Finance Bank Ltd

Suryoday Small Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Suryoday Small Finance Bank Ltd

₹ 185 -4.39%
27 Jul - close price
suryodaybank.com BSE: 543279 NSE: SURYODAY
About

Incorporated in 2008, Suryoday Small Finance Bank Ltd is a leading Small Finance Bank(SFB) in India. The company started offering SFB services in 2017. They serve customers in the unbanked and underbanked segments. Before SBF, the company operated as an NBFC.[1]

Key Points

Leading Small Finance Bank[1][2][3]
The bank commenced microfinance operations in 2009 and has since expanded operations across 16 states and union territories, with customer base of ~3.8 million, 8759 employees, and 712 Banking Outlets.

Website BSE NSE
  • Market Cap ₹ 1,962 Cr.
  • Current Price ₹ 185
  • High / Low ₹ 218 / 115
  • Stock P/E 10.2
  • Book Value ₹ 196
  • Dividend Yield 0.81 %
  • ROCE 7.33 %
  • ROE 7.58 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.94 times its book value
  • Company has delivered good profit growth of 66.5% CAGR over last 5 years
  • Company's median sales growth is 22.8% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 22.5%
  • Company has a low return on equity of 8.68% over last 3 years.
  • Earnings include an other income of Rs.399 Cr.

* 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.

Peer comparison

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
358 375 411 445 488 507 488 471 495 520 544 602 622
Interest 133 154 165 174 195 207 220 226 248 261 267 285 307
212 205 221 255 271 287 270 352 309 299 310 341 362
Financing Profit 12 16 24 15 23 13 -2 -107 -62 -41 -33 -25 -46
Financing Margin % 3% 4% 6% 3% 5% 2% -0% -23% -12% -8% -6% -4% -7%
51 52 52 65 70 47 40 60 109 80 81 90 148
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 63 68 76 80 93 60 38 -47 47 39 48 66 102
Tax % 25% 26% 25% 24% 24% 25% 12% -28% 25% 23% 24% 24% 26%
48 50 57 61 70 45 33 -34 35 30 37 50 75
EPS in Rs 4.48 4.74 5.39 5.73 6.59 4.27 3.13 -3.18 3.32 2.86 3.44 4.68 7.07
Gross NPA % 3.04% 2.90% 3.06% 2.94% 2.84% 3.03% 5.53% 7.16% 8.46% 5.93% 6.69% 6.55% 6.60%
Net NPA % 1.63% 1.46% 1.42% 0.86% 0.47% 0.80% 3.13% 4.58% 5.64% 3.80% 4.35% 4.21% 1.27%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
118 199 244 287 530 767 776 942 1,184 1,589 1,954 2,160 2,287
Interest 55 95 115 123 190 276 366 357 437 626 848 1,062 1,120
37 76 114 181 259 414 460 786 700 843 1,124 1,191 1,312
Financing Profit 26 28 15 -18 81 77 -49 -201 47 120 -18 -93 -144
Financing Margin % 22% 14% 6% -6% 15% 10% -6% -21% 4% 8% -1% -4% -6%
0 1 11 38 67 87 76 94 97 219 217 360 399
Depreciation 1 1 2 5 6 10 15 19 43 51 56 68 0
Profit before tax 25 27 24 16 143 154 12 -127 101 288 144 200 255
Tax % 34% 0% 37% 36% 37% 28% 2% -27% 23% 25% 20% 24%
17 27 15 10 90 111 12 -93 78 216 115 152 192
EPS in Rs 5.11 7.16 2.36 1.50 11.08 12.84 1.12 -8.76 7.32 20.34 10.82 14.30 18.05
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 10%
Compounded Sales Growth
10 Years: 27%
5 Years: 23%
3 Years: 22%
TTM: 17%
Compounded Profit Growth
10 Years: 19%
5 Years: 66%
3 Years: 25%
TTM: 139%
Stock Price CAGR
10 Years: %
5 Years: -2%
3 Years: 2%
1 Year: 43%
Return on Equity
10 Years: 6%
5 Years: 5%
3 Years: 9%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 33 38 64 68 82 87 106 106 106 106 106 106
Reserves 99 159 437 472 799 980 1,491 1,399 1,479 1,699 1,821 1,972
Deposits 22 945 1,593 2,849 3,256 3,854 5,167 7,777 10,580 13,994
Borrowing 594 956 1,022 523 1,124 1,265 1,667 2,551 2,765 2,443 2,710 3,122
31 39 60 156 163 185 193 270 344 352 397 689
Total Liabilities 757 1,193 1,604 2,164 3,761 5,365 6,712 8,180 9,861 12,378 15,614 19,884
2 2 6 13 18 30 35 66 163 152 156 293
CWIP 0 0 2 1 1 8 8 49 1 17 135 5
Investments 1 0 594 311 664 808 1,874 2,058 2,570 2,599 3,137 3,693
754 1,190 1,002 1,839 3,078 4,518 4,795 6,007 7,127 9,610 12,187 15,893
Total Assets 757 1,193 1,604 2,164 3,761 5,365 6,712 8,180 9,861 12,378 15,614 19,884

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-545 526 -876 -347 -98 935 1,320 652
-14 -167 -280 -158 -266 -263 -1,059 -792
655 210 915 885 213 -322 268 412
Net Cash Flow 97 569 -241 381 -150 349 529 273
Free Cash Flow -556 496 -896 -438 -190 879 1,143 577
CFO/OP -177% 169% -267% -212% -20% 127% 166% 73%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 15% 17% 4% 2% 13% 11% 1% -6% 5% 13% 6% 8%

Insights

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Total Customers
Mn
Disbursements
INR Cr
CASA Ratio
%
Collection Efficiency (1 EMI adjusted)
%
Inclusive Finance Share of Gross Advances
%
Vikas Loan Share of IF Book
%
Credit on UPI - Sanctioned Customers
Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

42 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
22.40% 22.40% 22.40% 22.39% 22.30% 22.29% 22.43% 22.43% 22.43% 22.43% 22.48% 22.48%
2.16% 2.91% 2.90% 3.02% 3.50% 4.80% 4.67% 4.68% 4.67% 4.97% 5.23% 5.35%
18.38% 17.01% 14.04% 12.64% 8.01% 5.89% 5.66% 5.93% 6.62% 6.11% 5.72% 5.47%
57.05% 57.68% 60.66% 61.95% 66.19% 67.01% 67.22% 66.95% 66.28% 66.48% 66.58% 66.70%
No. of Shareholders 94,84894,23596,2761,03,3561,08,3011,10,1971,08,7341,04,9271,02,09899,13895,02689,688

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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