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

₹ 119 -7.15%
30 Mar - 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 ₹ 1,263 Cr.
  • Current Price ₹ 119
  • High / Low ₹ 161 / 90.0
  • Stock P/E 18.4
  • Book Value ₹ 187
  • Dividend Yield 0.00 %
  • ROCE 7.28 %
  • ROE 6.16 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.63 times its book value
  • Company's median sales growth is 24.3% of last 10 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 22.4%
  • Company has a low return on equity of 8.00% over last 3 years.
  • Earnings include an other income of Rs.329 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

Financial Services Financial Services Banks Other Bank

Part of BSE Allcap BSE Financial Services

Edit Columns
Loading peers table ...

Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
292 329 358 375 411 445 488 507 488 471 495 520 544
Interest 108 119 133 154 165 174 195 207 220 226 248 261 267
186 194 212 205 221 255 271 287 270 352 309 299 310
Financing Profit -2 16 12 16 24 15 23 13 -2 -107 -62 -41 -33
Financing Margin % -1% 5% 3% 4% 6% 3% 5% 2% -0% -23% -12% -8% -6%
26 34 51 52 52 65 70 47 40 60 109 80 81
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 24 50 63 68 76 80 93 60 38 -47 47 39 48
Tax % 23% 23% 25% 26% 25% 24% 24% 25% 12% -28% 25% 23% 24%
18 39 48 50 57 61 70 45 33 -34 35 30 37
EPS in Rs 1.70 3.67 4.48 4.74 5.39 5.73 6.59 4.27 3.13 -3.18 3.32 2.86 3.44
Gross NPA % 4.23% 3.13% 3.04% 2.90% 3.06% 2.94% 2.84% 3.03% 5.53% 7.16% 8.46% 5.93% 6.69%
Net NPA % 2.74% 1.55% 1.63% 1.46% 1.42% 0.86% 0.47% 0.80% 3.13% 4.58% 5.64% 3.80% 4.35%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
61 118 199 244 287 530 767 776 942 1,184 1,589 1,954 2,029
Interest 28 55 95 115 123 190 276 366 357 437 626 848 1,002
20 37 76 114 181 259 414 460 786 700 843 1,124 1,269
Financing Profit 13 26 28 15 -18 81 77 -49 -201 47 120 -18 -242
Financing Margin % 21% 22% 14% 6% -6% 15% 10% -6% -21% 4% 8% -1% -12%
0 0 1 11 38 67 87 76 94 97 219 217 329
Depreciation 0 1 1 2 5 6 10 15 19 43 51 56 0
Profit before tax 13 25 27 24 16 143 154 12 -127 101 288 144 87
Tax % 32% 34% 0% 37% 36% 37% 28% 2% -27% 23% 25% 20%
9 17 27 15 10 90 111 12 -93 78 216 115 68
EPS in Rs 3.30 5.11 7.16 2.36 1.50 11.08 12.84 1.12 -8.76 7.32 20.34 10.82 6.44
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 32%
5 Years: 21%
3 Years: 28%
TTM: 5%
Compounded Profit Growth
10 Years: 21%
5 Years: 1%
3 Years: 48%
TTM: -67%
Stock Price CAGR
10 Years: %
5 Years: -15%
3 Years: 8%
1 Year: 12%
Return on Equity
10 Years: 5%
5 Years: 4%
3 Years: 8%
Last Year: 6%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 27 33 38 64 68 82 87 106 106 106 106 106 106
Reserves 61 99 159 437 472 799 980 1,491 1,399 1,479 1,699 1,821 1,885
Deposits 22 945 1,593 2,849 3,256 3,854 5,167 7,777 10,580 11,991
Borrowing 298 594 956 1,022 523 1,124 1,265 1,667 2,551 2,765 2,443 2,710 2,165
14 31 39 60 156 163 185 193 270 344 352 397 457
Total Liabilities 400 757 1,193 1,604 2,164 3,761 5,365 6,712 8,180 9,861 12,378 15,614 16,604
1 2 2 6 13 18 30 35 66 163 152 156 290
CWIP 0 0 0 2 1 1 8 8 49 1 17 135 0
Investments 1 1 0 594 311 664 808 1,874 2,058 2,570 2,599 3,137 3,414
398 754 1,190 1,002 1,839 3,078 4,518 4,795 6,007 7,127 9,610 12,187 12,900
Total Assets 400 757 1,193 1,604 2,164 3,761 5,365 6,712 8,180 9,861 12,378 15,614 16,604

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-71 -545 526 -876 -347 -98 935 1,320
4 -14 -167 -280 -158 -266 -263 -1,059
79 655 210 915 885 213 -322 268
Net Cash Flow 11 97 569 -241 381 -150 349 529
Free Cash Flow -72 -556 496 -896 -438 -190 879 1,143
CFO/OP -165% -177% 169% -267% -212% -20% 127% 166%

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 12% 15% 17% 4% 2% 13% 11% 1% -6% 5% 13% 6%

Insights

In beta
Mar 2013 Mar 2015 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Advances (AUM)
INR Crores

Log in to view insights

Please log in to see hidden values.

Login
Number of Banking Outlets / Branches
Number
Employee Count
Number
Number of Customers
Millions
CASA Ratio
%
Portfolio Mix - Inclusive Finance (IF)
%
Collection Efficiency (Current Bucket)
%

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
23.30% 23.30% 22.40% 22.40% 22.40% 22.39% 22.30% 22.29% 22.43% 22.43% 22.43% 22.43%
1.16% 1.68% 2.16% 2.91% 2.90% 3.02% 3.50% 4.80% 4.67% 4.68% 4.67% 4.97%
20.93% 18.68% 18.38% 17.01% 14.04% 12.64% 8.01% 5.89% 5.66% 5.93% 6.62% 6.11%
54.61% 56.35% 57.05% 57.68% 60.66% 61.95% 66.19% 67.01% 67.22% 66.95% 66.28% 66.48%
No. of Shareholders 94,32194,13694,84894,23596,2761,03,3561,08,3011,10,1971,08,7341,04,9271,02,09899,138

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls