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Suryoday Small Finance Bank

SURYODAY NSE
₹147.30 +9.09 (+6.58%)
P/E
8.16
View as Markdown
MCP
Close 4 Nov 2026 ₹147.30 −1.84 −1.23% 1Y
Start ₹149.14

Key Fundamentals

MicrocapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹18.05
Book Value
₹208.63
Market Cap
—
P/E (TTM)
8.16
P/B
0.71
ROE
7.58%
Dividend Yield
1.09%
52W High
₹218.00
52W Low
₹115.41
Day Range
₹137.50 – ₹148.59
Volume
3,74,679
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Small Finance Bank › Other Bank

Suryoday Small Finance Bank peer comparison
AU Small Finance Bank
₹904.3521.48₹66,448 Cr3.160.11%14.20%—₹20,661 Cr₹3,154 Cr
Ujjivan Small Finance Bank
₹56.7012.14₹11,244 Cr1.492.64%10.80%—₹7,338 Cr₹907 Cr
Equitas Small Finance Bank
₹55.4512.40₹6,401 Cr0.971.90%1.68%—₹7,106 Cr₹511 Cr
Jana Small Finance Bank
₹405.2511.24₹4,167 Cr0.880.00%7.60%—₹5,637 Cr₹380 Cr
ESAF Small Finance Bank
₹41.35—₹2,136 Cr1.051.71%−8.86%—₹3,807 Cr−₹5 Cr
Utkarsh Small Finance Bank
₹11.72—₹2,052 Cr0.754.11%−40.00%—₹3,381 Cr−₹945 Cr
Suryoday Small Finance Bank (this company)
₹147.308.16₹1,489 Cr0.711.09%7.58%—₹2,287 Cr₹192 Cr
Median 7 companies₹56.7012.14₹4,167 Cr0.971.71%7.58%—₹5,637 Cr₹380 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

50 Average

Data confidence 100/100

Category scores

Quality
39
Weak
Returns, margins, earnings quality 22% weight
Valuation
73
Strong
Cheap vs sector & own history 24% weight
Growth
90
Strong
Sales & profit trajectory 9% weight
Financial Health
30
Poor
Solvency, leverage, coverage 9% weight
Momentum
25
Poor
Trend strength, vol-adjusted 12% weight
Ownership
43
Weak
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.74 times its book value
  • Company has delivered good profit growth of 66.5% CAGR over last 5 years

Weaknesses

4
  • 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.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallNeutral757
OscillatorsBearish351
Moving AveragesStrong Bullish406

Key readings

RSI (14)
56.59
Neutral
MACD (12,26,9)
−2.78
Bullish
SMA (50)
146.71
Bullish
SMA (200)
151.02
Bearish

As of

Analyst Rating

Based on 2 analysts
BUY100%

2 of 2 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
2
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+26.93%
5Y+22.72%
3Y+22.19%
1Y+10.54%
TTM+16.68%

Net profit

Net profit growth by window
10Y+18.86%
5Y+66.16%
3Y+24.91%
1Y+32.17%
TTM+143.04%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹244 Cr
Mar 2018₹287 Cr
Mar 2019₹530 Cr
Mar 2020₹767 Cr
Mar 2021₹776 Cr
Mar 2022₹942 Cr
Mar 2023₹1,184 Cr
Mar 2024₹1,589 Cr
Mar 2025₹1,954 Cr
Mar 2026₹2,160 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹15.00 Cr
Mar 2018₹10.00 Cr
Mar 2019₹90.00 Cr
Mar 2020₹111 Cr
Mar 2021₹12.00 Cr
Mar 2022−₹93.00 Cr
Mar 2023₹78.00 Cr
Mar 2024₹216 Cr
Mar 2025₹115 Cr
Mar 2026₹152 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹28.20 +97.2% vs FY26
Reported High Mean Low

Quarterly Results

₹ Cr
SURYODAY quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
358
375
411
445
488
507
488
471
495
520
544
602
622
Expenses
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
Fin. Margin %
3%
4%
6%
3%
5%
2%
0%
−23%
−12%
−8%
−6%
−4%
−7%
Other Income
51
52
52
65
70
47
40
60
109
80
81
90
148
Interest
133
154
165
174
195
207
220
226
248
261
267
285
307
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
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%
Net Profit
48
50
57
61
70
45
33
−34
35
30
37
50
75
EPS (₹)
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%
2.9%
3.06%
2.94%
2.84%
3.03%
5.53%
7.16%
8.46%
5.93%
6.69%
6.55%
6.6%
Net NPA %
1.63%
1.46%
1.42%
0.86%
0.47%
0.8%
3.13%
4.58%
5.64%
3.8%
4.35%
4.21%
1.27%

Profit & Loss

₹ Cr
SURYODAY profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
118
199
244
287
530
767
776
942
1,184
1,589
1,954
2,160
2,287
Expenses
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
Fin. Margin %
22%
14%
6%
−6%
15%
10%
−6%
−21%
4%
8%
−1%
−4%
−6%
Other Income
0
1
11
38
67
87
76
94
97
219
217
360
399
Interest
55
95
115
123
190
276
366
357
437
626
848
1,062
1,120
Depreciation
1
1
2
5
6
10
15
19
43
51
56
68
0
PBT
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%
—
Net Profit
17
27
15
10
90
111
12
−93
78
216
115
152
192
EPS (₹)
5.11
7.16
2.36
1.5
11.08
12.84
1.12
−8.76
7.32
20.34
10.82
14.3
18.05
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
10%
—

Balance Sheet

₹ Cr
SURYODAY balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Borrowing
594
956
1,022
523
1,124
1,265
1,667
2,551
2,765
2,443
2,710
3,122
Deposits
—
—
22
945
1,593
2,849
3,256
3,854
5,167
7,777
10,580
13,994
Other Liabilities
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
Fixed Assets
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
Other Assets
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 Flow

₹ Cr
SURYODAY cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
—
—
—
−545
526
−876
−347
−98
935
1,320
652
Investing
—
—
—
—
−14
−167
−280
−158
−266
−263
−1,059
−792
Financing
—
—
—
—
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

Ratios

SURYODAY financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
15%
17%
4%
2%
13%
11%
1%
−6%
5%
13%
6%
8%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Suryoday Small Finance Bank insights

81 extracted metrics across FY15–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 41.19%
  • Others 25.98%
  • Promoters 22.48%
  • DIIs 5.65%
  • FIIs 4.70%

22.35% of promoter holding pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Suryoday Small Finance Bank

What does Suryoday Small Finance Bank Ltd do?
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.
Where is Suryoday Small Finance Bank Ltd (SURYODAY) listed?
Suryoday Small Finance Bank Ltd trades as SURYODAY on the NSE and under code 543279 on the BSE.
Which sector does Suryoday Small Finance Bank Ltd belong to?
Suryoday Small Finance Bank Ltd is classified under the Banks sector, in the Small Finance Bank industry.
What is the PE ratio of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd trades at a PE ratio of 8.16 as of 4 Nov 2026, on earnings per share of ₹18.05, against a book value of ₹208.63 per share.
What is the 52-week high and low of Suryoday Small Finance Bank Ltd?
Over the last 52 weeks Suryoday Small Finance Bank Ltd has traded between ₹115.41 and ₹218 as of 4 Nov 2026.
Does Suryoday Small Finance Bank Ltd pay dividends?
Suryoday Small Finance Bank Ltd has a dividend yield of 1.09%.
What is the Return on Equity (ROE) of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd reported a return on equity of 7.58%.

Company Information

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.

Website suryodaybank.com
Listed 26 Mar 2021
Face Value ₹10

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