Suryoday Small Finance Bank Ltd.

NSE: SURYODAY BSE: 543279 SECTOR: Bank - Private

185.7
-8.95 (-4.6%)
NSE: 20 Sep 04:12 PM

Price Summary

Today's High

₹ 198.9

Today's Low

₹ 181.2

52 Week High

₹ 296.35

52 Week Low

₹ 138.5

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

1970.85 Cr.

CASA %

0

No. of Shares

10.61 Cr.

P/E

166.23

P/B

1.28

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  145.02

CASH

0

Cost To Income %

64.44

Promoter Holding

28.02%

EPS (TTM)

₹  1.12

Sales Growth

%

ROE

%

ROCE

%

Profit Growth

%

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Ratios

ROE%

1 Year0.9%

ROA%

1 Year0.2%

Net NPA%

1 Year4.73%

 NIM

1 Year6.36%

CAR %

0

Cost of Liabilities %

0

PEG Ratio

Advances Growth %

12.76422625655

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 28.02 37.97
Mar 2021 30.35 0
* Figures given above are % of equity capital

 Strengths

  • Cost to Income ratio stands at 0 %

 Limitations

  • Net NPA has increased by 4.16% YoY
  • The bank has a very low ROA track record. Average ROA of 3 years is 0%
  • CASA Growth of 0% YoY, which is very low.
  • Company has a low ROE of 0% over the last 3 years.
  • Company has a poor NIM of 0% for the last 3 years.
  • Low CASA Ratio of 0%.
  • Low other Income proportion of 0%.
  • The company has delivered poor Profit Growth of 0% over the past 3 years.
  • The company has delivered poor Income growth of 0% over the past 3 years.
  • Poor Advances growth of 0% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021
Interest Earned 151.8 215.71
Other Income 34.56 22.83
Interest Expended 94.58 92.23
Operating Expenses 97.01 92.35
Total Provisions 52.73 110.79
Profit Before Tax -57.96 -56.83
Tax -14.95 -9.11
Net Profit -43.01 -47.72
Net NPA % 4.73 4.47
Gross NPA % 9.41 9.52
Return on Assets % -0.66 -0.71
NPM % -28.33 -22.12

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021
Interest Earned 766.68 776.15
Other Income 87.45 99.48
Interest Expended 276.18 365.65
Operating Expenses 272.12 328.64
Total Provisions 151.86 169.24
Profit Before Tax 153.98 12.1
Taxes 43.04 0.24
Net Profit 110.94 11.86
Adjusted EPS (Rs.) 12.81 1.12

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 86.59 106.13
Total Reserves 972.53 1480.66
Deposits 2848.71 3255.68
Borrowings 1264.62 1666.62
Other Liabilities 184.96 192.79
Total Liabilities 5364.52 6711.99
Assets
Balance with RBI 60.53 102.8
Balance with Banks 777.07 493.84
Investments 808.2 1873.7
Advances 3531.94 3982.77
Net Block 30.49 34.95
Other Assets 148.05 215.66
Total Assets 5364.52 6711.99
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021 Jun 2021
Promoters 30.35 28.02
gv alankara
PARTICULARS Mar 2021 Jun 2021
Public 30.97 35.92
deg-deutsche investitions...
PARTICULARS Mar 2021 Jun 2021
FII/DII 38.69 36.06
dwm (international) mauri...

Ratings & Research Reports

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Company Presentations

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