Suryoday Small Finance Bank Ltd
SURYODAY NSE
Suryoday Small Finance Bank Ltd
BanksNSE: SURYODAY BSE: 543279 Small Finance Bank
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹1,667 Cr
Volatility
Moderate
P/E Ratio
8.78
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
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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53 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
2- Stock is trading at 0.77 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% ↗
Net Income Growth
32.17% ↘
Cash Flow Change
-50.58% ↘
ROE
22.45% ↗
ROCE
-0.16% ↘
EBITDA Margin (Avg.)
9.33% ↘
Quarterly Results
| 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
| 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
| 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
| 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
| 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% |
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)-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.
5
Outcome Of The Meeting Of The Board Of The Bank Held On May 07, 2026 - Approval Of The Audited Financial Results Of The Bank For The Quarter (Q-4) And Financial Year Ended March 31, 2026, And Other Matters
7h - Board approved FY26 audited results, recommended Rs1.50 dividend, and sought shareholder approval for two independent directors. 7h - Board approved FY26 audited results, recommended Rs1.50 dividend, and sought shareholder approval for two independent directors.
Frequently Asked Questions about Suryoday Small Finance Bank Ltd
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 is listed on the Indian stock exchanges. It is listed on NSE: SURYODAY and BSE: 543279. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Suryoday Small Finance Bank Ltd belong to?
Suryoday Small Finance Bank Ltd operates in the Banks sector within the Small Finance Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd has a market capitalisation of approximately ₹1666.62 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Suryoday Small Finance Bank Ltd?
The Price-to-Earnings (PE) ratio of Suryoday Small Finance Bank Ltd is 8.78. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Suryoday Small Finance Bank Ltd?
Over the past 52 weeks, Suryoday Small Finance Bank Ltd has traded between a low of ₹115.41 and a high of ₹218. This range helps investors understand the stock's price volatility and recent trading levels.
Does Suryoday Small Finance Bank Ltd pay dividends?
Yes, Suryoday Small Finance Bank Ltd has a dividend yield of 0.99%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd has a Return on Equity (ROE) of 7.31%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Suryoday Small Finance Bank Ltd on Tapetide?
On Tapetide, you can view Suryoday Small Finance Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
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]