Suryoday Small Finance Bank
SURYODAY NSE
Suryoday Small Finance Bank
Financial ServicesNSE: SURYODAY BSE: 543279 Banks
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹1,572 Cr
Volatility
Moderate
P/E Ratio
8.2
EBITDA
₹267 Cr
Return on Equity
7.31%
Debt to Equity
0
Book Value
₹195.52
EPS
₹22.44
52W High
₹218
52W Low
₹115.41
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.76 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.
Growth Rate
Revenue Growth
16.08% lower than
3Y
Net Income Growth
32.17% higher than
3Y
Cash Flow Change
-50.58% lower than
3Y
ROE
22.45% higher than
3Y
ROCE
-0.16% higher than
3Y
EBITDA Margin (Avg.)
9.33% higher than
3Y
Quarterly Results
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 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% | 2.9% | 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
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 in Rs | 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
| Particulars | 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 |
| 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
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
| CFO/OP | — | — | — | — | -177 | 169 | -267 | -212 | -20 | 127 | 166 | 73 |
Ratios
| Particulars | 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
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Suryoday Small Finance Bank insights
56 extracted metrics + investor summaries across FY15–FY27.
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - Attached newspaper advertisement regarding Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026 2d - Attached newspaper advertisement regarding Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026
2
Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - Newspaper Advertisement regarding dispatch of Postal Ballot Notice and E-voting related information. 2d - Newspaper Advertisement regarding dispatch of Postal Ballot Notice and E-voting related information.
3
Announcement under Regulation 30 (LODR)-Investor Presentation
8 May - Investor Presentation (Revised) on the Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026. 8 May - Investor Presentation (Revised) on the Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026.
4
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
8 May - Audio recording of May 8, 2026 Q4 and FY26 results conference call posted on website. 8 May - Audio recording of May 8, 2026 Q4 and FY26 results conference call posted on website.
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.[1]
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 Financial Services sector, in the Banks industry.
What is the market capitalisation of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd has a market capitalisation of ₹1,572 Cr, which places it in the Small Cap band.
What is the PE ratio of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd trades at a PE ratio of 8.20, on earnings per share of ₹22.44, against a book value of ₹195.52 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.
Does Suryoday Small Finance Bank Ltd pay dividends?
Suryoday Small Finance Bank Ltd has a dividend yield of 0.99%.
What is the Return on Equity (ROE) of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd reported a return on equity of 7.31%. Its debt-to-equity ratio is 0.00.
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.[1]
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