Suryoday Small Finan
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Suryoday Small Finan share price

Suryoday Small Finance Bank Ltd.

NSE: SURYODAY BSE: 543279 SECTOR: Bank - Private  77k   115   29

145.70
-0.10 (-0.07%)
BSE: 22 Nov 04:00 PM

Price Summary

Today's High

₹ 147.3

Today's Low

₹ 131.05

52 Week High

₹ 219.55

52 Week Low

₹ 130.65

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1548.57 Cr.

CASA %

20.13

No. of Shares

10.63 Cr.

P/E

6.63

P/B

0.8

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  181.13

Net Interest Income

₹ 962.23 Cr.

Cost To Income %

61.59

Promoter Holding

22.3 %

EPS (TTM)

₹  21.97

CAR %

28.41

ROE

12.81 %

ROCE

11.06%

Profit Growth

177.97 %

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* 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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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

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

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

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Ratios

ROE%

1 Year12.81%
3 Year3.95%
5 Year4.84%

ROA%

1 Year1.94%
3 Year0.52%
5 Year0.84%

Net NPA%

1 Year0.86%
3 Year2.79%
5 Year2.74%

 NIM

1 Year8.12%
3 Year7.85%
5 Year7.88%

CAR %

28.41

Cost of Liabilities %

6.1297

PEG Ratio

0.04

Advances Growth %

34.2959

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 22.30 22.53
Jun 2024 22.39 22.45
Mar 2024 22.40 22.45
Dec 2023 22.40 22.45
Sep 2023 22.40 22.45
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 7.8516% since last 3 years.
  • Good Capital Adequacy Ratio of 28.41%.
  • The company has delivered good Profit growth of 163.118609071217% over the past 3 years.
  • The company has delivered good Income growth of 26.9690565024464% over the past 3 years.
  • Strong Advances growth of 26.5821116316046% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.518033333333333%
  • Company has a low ROE of 3.9453% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.79333333333333%.
  • Low CASA Ratio of 20.1324%.
  • High Cost to income ratio of 61.5855%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 375.24 410.71 444.66 488.12 507.2
Other Income 51.75 51.9 64.7 70.15 47.45
Interest Expended 154.18 165.02 173.88 194.89 207.22
Operating Expenses 178.46 183.43 207.15 219.1 220.51
Total Provisions 26.67 37.86 48.16 51.56 66.77
Profit Before Tax 67.68 76.3 80.17 92.72 60.15
Tax 17.38 19.08 19.33 22.66 14.76
Net Profit 50.3 57.22 60.84 70.06 45.39
Net NPA % 1.46 1.42 0.86 0.47 0.8
Gross NPA % 2.9 3.06 2.94 2.84 3.03
Return on Assets % 0.48 0.51 0.52 0.56 0.35
NPM % 13.4 13.93 13.68 14.35 8.95

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 766.68 776.15 941.82 1183.68 1588.7
Other Income 87.45 76.4 93.56 97.42 219.38
Interest Expended 276.18 365.65 357.37 437.11 626.47
Operating Expenses 272.12 328.64 413.1 506.54 727.71
Total Provisions 151.86 146.16 391.98 236.6 166.34
Profit Before Tax 153.98 12.1 -127.07 100.86 287.57
Taxes 43.04 0.24 -34.04 23.17 71.61
Net Profit 110.94 11.86 -93.03 77.69 215.96
Adjusted EPS (Rs.) 12.81 1.12 -8.76 7.32 20.34

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 86.59 106.13 106.16 106.16 106.2
Total Reserves 972.53 1480.66 1389.75 1469.79 1688.66
Deposits 2848.71 3255.68 3853.88 5166.72 7777.27
Borrowings 1264.62 1666.62 2551.34 2765.41 2442.98
Other Liabilities 184.96 192.79 269.85 344.36 352.48
Total Liabilities 5364.52 6711.99 8180.18 9861.22 12377.68
Assets
Balance with RBI 60.53 102.8 607.45 784.23 813.78
Balance with Banks 777.07 493.84 370.24 40.93 366.29
Investments 808.2 1873.7 2057.68 2570.19 2599.3
Advances 3531.94 3982.77 4750.88 6015.05 8077.97
Net Block 30.49 34.95 66.03 163.15 152.18
Other Assets 148.05 215.66 278.68 286.35 351.55
Total Assets 5364.52 6711.99 8180.18 9861.22 12377.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 22.40 22.40 22.40 22.39 22.30
baskar babu ramachandran 5.04 5.04 5.04 5.04 5.04
gealgeo v alankara 0.51 0.51 0.51 0.51 0.51
p s jagdish - 3.33 - 3.32 3.32
p surendra pai 2.28 2.28 2.28 2.28 2.28
peruvamba estates private... 0.78 0.78 0.78 0.78 0.78
savita surendra pai 2.09 2.09 2.09 2.09 2.01
sheela pai cole 4.18 4.18 4.18 4.18 4.18
sunaina pai ocalan 4.18 4.18 4.18 4.18 4.18
peruvamba subramaniam jag... 3.33 - 3.33 - -
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 77.60 77.60 77.60 77.61 77.70
1729 capital 1.72 2.65 2.56 2.60 2.64
axis mutual fund trustee ... 4.40 4.40 2.94 2.66 1.15
deg-deutsche investitions... - - - 3.30 3.30
dwm (international) mauri... 3.16 3.16 2.22 2.22 1.16
evolvence india fund ii l... 3.46 3.46 3.46 3.45 3.45
gaja capital fund ii limi... 3.46 3.46 3.46 3.46 3.46
hdfc life insurance compa... 2.92 2.92 2.92 2.68 2.00
icici prudential life ins... 1.31 1.31 1.31 1.31 1.31
mukul mahavir agrawal 2.83 2.83 2.82 2.82 2.82
responsability participat... 3.84 3.84 3.59 3.59 3.59
sbi life insurance co. lt... 2.96 2.96 2.96 2.96 2.96
teachers insurance and an... 3.27 3.27 3.27 3.27 3.27
lok capital growth fund 2.64 2.64 2.48 1.58 -
deg-deutsche investitions... 3.31 3.30 3.30 - -
ask pravi private equity ... 2.78 1.25 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Suryoday Small Finance Bank informs about newspaper advertisement 26 Oct, 3:54 PM Suryoday Small Finan - Quaterly Results 24 Oct, 6:46 PM Suryoday Small Finan - Quaterly Results 24 Oct, 6:46 PM Suryoday Small Finance Bank informs about disclosure 25 Sep, 12:22 PM Suryoday Small Finance Bank informs about newspaper publication 3 Aug, 3:03 PM Suryoday Small Finan - Quaterly Results 1 Aug, 7:38 PM Suryoday Small Finan - Quaterly Results 1 Aug, 7:38 PM Suryoday Small Finance Bank reports 42% rise in gross advances during Q1FY25 4 Jul, 12:12 PM Suryoday Small Finance Bank informs about change in management 15 Jun, 1:26 PM Suryoday Small Finance Bank informs about annual secretarial compliance report 16 May, 2:55 PM Suryoday Small Finance Bank submits transcript of conference call 15 May, 5:33 PM Suryoday Small Finance Bank reports 56% rise in Q4 net profit 10 May, 11:29 AM Suryoday Small Finan - Quaterly Results 9 May, 7:04 PM Suryoday Small Finan - Quaterly Results 9 May, 7:04 PM Suryoday Small Finance Bank informs about allotment of equity shares under ESOP 14 Mar, 2:47 PM Suryoday Small Finance Bank informs about transcript of conference call 14 Feb, 5:14 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finan - Quaterly Results 8 Feb, 5:36 PM Suryoday Small Finance Bank informs about disclosure 6 Feb, 11:09 AM Suryoday Small Finance Bank informs about board meeting 25 Jan, 5:21 PM Suryoday Small Finance Bank appointment of wholetime director 19 Jan, 10:37 AM Suryoday Small Finance Bank informs about investor meet 17 Nov, 2:53 PM Suryoday Small Finan - Quaterly Results 9 Nov, 5:58 PM Suryoday Small Finance Bank informs about appointment of independent director as chairman 2 Nov, 10:12 AM Suryoday Small Finance Bank informs about board meeting 14 Oct, 10:52 AM Suryoday Small Finance Bank informs about compliance certificate 5 Oct, 3:22 PM Suryoday Small Finance Bank informs about disclosure 15 Sep, 12:13 PM Suryoday Small Finance Bank informs about proceedings of AGM 15 Sep, 9:51 AM Suryoday Small Finance Bank informs about analyst meet 12 Sep, 12:16 PM Suryoday Small Finance Bank informs about disclosures 4 Sep, 4:44 PM Suryoday Small Finance Bank submits disclosure 30 Aug, 11:04 AM Suryoday Small Finance Bank submits Disclosure 29 Aug, 10:52 AM Suryoday Small Finance Bank submits conference call transcript 17 Aug, 5:10 PM Suryoday Small Finance Bank submits newspaper publication 12 Aug, 2:35 PM Suryoday Small Finance Bank reports over 6-fold jump in Q1 net profit 11 Aug, 12:18 PM Suryoday Small Finan - Quaterly Results 10 Aug, 7:03 PM Suryoday Small Finan - Quaterly Results 10 Aug, 7:03 PM Suryoday Small Finance Bank informs about updates 5 Jul, 4:58 PM Suryoday Small Finance Bank informs about institutional investor meeting 20 Jun, 5:01 PM Suryoday Small Finance Bank informs about analyst meet 16 Jun, 2:16 PM Suryoday Small Finance Bank informs about updates 9 Jun, 2:07 PM Suryoday Small Finance Bank informs about analyst meet 7 Jun, 4:45 PM Suryoday Small Finance Bank turns black in Q4 16 May, 12:40 PM Suryoday Small Finan - Quaterly Results 15 May, 7:42 PM Suryoday Small Finan - Quaterly Results 15 May, 7:42 PM Suryoday Small Finance Bank reports 34% growth in total deposits for Q4FY23 4 Apr, 12:01 PM Suryoday Small Finance Bank informs about disclosure 25 Mar, 11:05 AM Suryoday Small Finance Bank informs about investor meet 17 Feb, 5:11 PM Suryoday Small Finan - Quaterly Results 9 Feb, 7:09 PM

Suryoday Small Finan Stock Price Analysis and Quick Research Report. Is Suryoday Small Finan an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Suryoday Small Finan stock price today is Rs 145.61. Let’s look at how Suryoday Small Finan is performing and if it is the right time to buy the stock of Suryoday Small Finan with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Suryoday Small Finan has earned Rs 1588.7008 Cr. revenue in the latest financial year. Suryoday Small Finan has posted outstanding revenue growth of 26.9690565024464 % in last 3 Years.

  • In terms of advances, Suryoday Small Finan reported 34.2959 % YOY,  rise . If you see 3 years advance growth, it stands at 26.5821116316046 %.

  • Currently, Suryoday Small Finan has a CASA ratio of 20.1324 %. It’s overall cost of liability stands at 6.1297 %. Also, the total deposits of Suryoday Small Finan from these accounts stood at Rs 7777.2675 Cr.

  • Suryoday Small Finan has a average ROA track record. The ROA of Suryoday Small Finan is at 1.9422 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.94 % and 0.86 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -29.6936563016437 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Suryoday Small Finan surged and is currently at Rs 219.3844 Cr.

  • Suryoday Small Finan has a Good Capital Adequacy Ratio of 28.41 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Suryoday Small Finan is trading at a P/B of 0.7735 . The historical average PB of Suryoday Small Finan was 0.80932.

  • Share Price: - The current share price of Suryoday Small Finan is Rs 145.61. One can use valuation calculators of ticker to know if Suryoday Small Finan share price is undervalued or overvalued.

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Brief about Suryoday Small Finan
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