Suryoday Small Finan
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Suryoday Small Finan share price

Suryoday Small Finance Bank Ltd.

NSE: SURYODAY BSE: 543279 SECTOR: Bank - Private  63k   104   26

209.15
+3.45 (1.68%)
BSE: 19 Apr 04:01 PM

Price Summary

Today's High

₹ 211.9

Today's Low

₹ 198.35

52 Week High

₹ 215.65

52 Week Low

₹ 99.72

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
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

₹ 2221.19 Cr.

CASA %

17.11

No. of Shares

10.62 Cr.

P/E

11.45

P/B

1.27

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  164.13

Net Interest Income

₹ 746.57 Cr.

Cost To Income %

60.02

Promoter Holding

22.4 %

EPS (TTM)

₹  18.27

CAR %

33.72

ROE

5.06 %

ROCE

6.26%

Profit Growth

183.51 %

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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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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 Year5.06%
3 Year-0.03%
5 Year4.73%

ROA%

1 Year0.86%
3 Year-0.06%
5 Year1.03%

Net NPA%

1 Year1.55%
3 Year4.08%
5 Year2.65%

 NIM

1 Year7.93%
3 Year7.26%
5 Year8.13%

CAR %

33.72

Cost of Liabilities %

5.51059917824382

PEG Ratio

0.06

Advances Growth %

26.6091027782705

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 22.4 22.45
Dec 2023 22.4 22.45
Sep 2023 22.4 22.45
Jun 2023 23.3 25.43
Mar 2023 23.3 25.43
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 7.26475571016301% since last 3 years.
  • Good Capital Adequacy Ratio of 33.72%.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -0.0639396715729863%
  • CASA Growth of -1.6745070849103% YoY, which is very low.
  • Company has a low ROE of -0.0271291868299878% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.08333333333333%.
  • Low CASA Ratio of 17.1112120864148%.
  • Low other Income proportion of 8.23045309209289%.
  • High Cost to income ratio of 60.0166659478642%.
  • The company has delivered poor Profit Growth of -11.1960222186336% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 291.75 329.44 358.09 375.24 410.71
Other Income 25.65 33.97 51.04 51.75 51.9
Interest Expended 108.3 119.33 133.39 154.18 165.02
Operating Expenses 145.85 142.38 158.67 178.46 183.43
Total Provisions 39.68 51.47 53.65 26.67 37.86
Profit Before Tax 23.57 50.23 63.42 67.68 76.3
Tax 5.52 11.32 15.82 17.38 19.08
Net Profit 18.05 38.91 47.6 50.3 57.22
Net NPA % 2.74 1.55 1.63 1.46 1.42
Gross NPA % 4.23 3.13 3.04 2.9 3.06
Return on Assets % 0.21 0.41 0.47 0.48 0.51
NPM % 6.19 11.81 13.29 13.4 13.93

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

PARTICULARS Mar 2018 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 286.88 766.68 776.15 941.82 1183.68
Other Income 38.04 87.45 76.4 93.56 97.42
Interest Expended 123.15 276.18 365.65 357.37 437.11
Operating Expenses 131.38 272.12 328.64 413.1 506.54
Total Provisions 54.66 151.86 146.16 391.98 236.6
Profit Before Tax 15.74 153.98 12.1 -127.07 100.86
Taxes 5.61 43.04 0.24 -34.04 23.17
Net Profit 10.13 110.94 11.86 -93.03 77.69
Adjusted EPS (Rs.) 1.5 12.81 1.12 -8.76 7.32

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 67.5 86.59 106.13 106.16 106.16
Total Reserves 468.86 972.53 1480.66 1389.75 1469.79
Deposits 749.52 2848.71 3255.68 3853.88 5166.72
Borrowings 717.83 1264.62 1666.62 2551.34 2765.41
Other Liabilities 156.39 184.96 192.79 269.85 344.36
Total Liabilities 2163.5 5364.52 6711.99 8180.18 9861.22
Assets
Balance with RBI 30.82 60.53 102.8 607.45 784.23
Balance with Banks 176.34 777.07 493.84 370.24 48.87
Investments 311.34 808.2 1873.7 2057.68 2570.19
Advances 1574.95 3531.94 3982.77 4750.88 6015.05
Net Block 12.71 30.49 34.95 66.03 163.15
Other Assets 56.51 148.05 215.66 278.68 278.4
Total Assets 2163.5 5364.52 6711.99 8180.18 9861.22
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 23.30 23.30 22.40 22.40 22.40
baskar babu ramachandran 5.94 5.94 5.04 5.04 5.04
gealgeo v alankara 0.51 0.51 0.51 0.51 0.51
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
peruvamba subramaniam jag... 3.33 3.33 3.33 - 3.33
savita surendra pai 2.09 2.09 2.09 2.09 2.09
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
p s jagdish - - - 3.33 -
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 76.70 76.70 77.60 77.60 77.60
1729 capital 1.15 1.52 1.72 2.65 2.56
axis mutual fund trustee ... 4.56 4.56 4.40 4.40 2.94
deg-deutsche investitions... - 3.31 3.31 3.30 3.30
dwm (international) mauri... 3.16 3.16 3.16 3.16 2.22
evolvence india fund ii l... 3.46 3.46 3.46 3.46 3.46
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 2.92 2.92
icici prudential life ins... 1.31 1.31 1.31 1.31 1.31
lok capital growth fund 2.64 2.64 2.64 2.64 2.48
mukul mahavir agrawal 1.88 2.83 2.83 2.83 2.82
responsability participat... 3.84 3.84 3.84 3.84 3.59
sbi life insurance co. lt... 3.43 3.43 2.96 2.96 2.96
teachers insurance and an... - 3.27 3.27 3.27 3.27
ask pravi private equity ... 2.78 2.78 2.78 1.25 -
hdfc holdings limited 1.49 1.49 - - -
deg-deutsche investitions... 3.31 - - - -
dishant milanbhai parikh 1.02 - - - -
jhelum investment fund i 1.48 - - - -
kiran vyapar ltd 1.11 - - - -
teachers insurance and an... 3.27 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Suryoday Small Finance Bank informs about allotment of equity shares under ESOP14 Mar 2024, 2:47PM Suryoday Small Finance Bank informs about transcript of conference call14 Feb 2024, 5:14PM Suryoday Small Finan - Quaterly Results8 Feb 2024, 5:36PM Suryoday Small Finan - Quaterly Results8 Feb 2024, 5:36PM Suryoday Small Finan - Quaterly Results8 Feb 2024, 5:36PM Suryoday Small Finance Bank informs about disclosure6 Feb 2024, 11:09AM Suryoday Small Finance Bank informs about board meeting 25 Jan 2024, 5:21PM Suryoday Small Finance Bank appointment of wholetime director19 Jan 2024, 10:37AM Suryoday Small Finance Bank informs about investor meet17 Nov 2023, 2:53PM Suryoday Small Finan - Quaterly Results9 Nov 2023, 5:58PM Suryoday Small Finance Bank informs about appointment of independent director as chairman2 Nov 2023, 10:12AM Suryoday Small Finance Bank informs about board meeting14 Oct 2023, 10:52AM Suryoday Small Finance Bank informs about compliance certificate5 Oct 2023, 3:22PM Suryoday Small Finance Bank informs about disclosure15 Sep 2023, 12:13PM Suryoday Small Finance Bank informs about proceedings of AGM15 Sep 2023, 9:51AM Suryoday Small Finance Bank informs about analyst meet 12 Sep 2023, 12:16PM Suryoday Small Finance Bank informs about disclosures 4 Sep 2023, 4:44PM Suryoday Small Finance Bank submits disclosure30 Aug 2023, 11:04AM Suryoday Small Finance Bank submits Disclosure29 Aug 2023, 10:52AM Suryoday Small Finance Bank submits conference call transcript17 Aug 2023, 5:10PM Suryoday Small Finance Bank submits newspaper publication12 Aug 2023, 2:35PM Suryoday Small Finance Bank reports over 6-fold jump in Q1 net profit11 Aug 2023, 12:18PM Suryoday Small Finan - Quaterly Results10 Aug 2023, 7:03PM Suryoday Small Finan - Quaterly Results10 Aug 2023, 7:03PM Suryoday Small Finance Bank informs about updates 5 Jul 2023, 4:58PM Suryoday Small Finance Bank informs about institutional investor meeting20 Jun 2023, 5:01PM Suryoday Small Finance Bank informs about analyst meet16 Jun 2023, 2:16PM Suryoday Small Finance Bank informs about updates9 Jun 2023, 2:07PM Suryoday Small Finance Bank informs about analyst meet7 Jun 2023, 4:45PM Suryoday Small Finance Bank turns black in Q416 May 2023, 12:40PM Suryoday Small Finan - Quaterly Results15 May 2023, 7:42PM Suryoday Small Finan - Quaterly Results15 May 2023, 7:42PM Suryoday Small Finance Bank reports 34% growth in total deposits for Q4FY234 Apr 2023, 12:01PM Suryoday Small Finance Bank informs about disclosure 25 Mar 2023, 11:05AM Suryoday Small Finance Bank informs about investor meet17 Feb 2023, 5:11PM Suryoday Small Finan - Quaterly Results9 Feb 2023, 7:09PM Suryoday Small Finan - Quaterly Results9 Feb 2023, 7:09PM Suryoday Small Finance Bank informs about board meeting24 Jan 2023, 2:13PM Suryoday Small Finance Bank logs 48% growth in total deposits during Q3FY235 Jan 2023, 3:12PM Suryoday Small Finance Bank informs about trading window closure31 Dec 2022, 3:21PM Suryoday Small Finance Bank informs about disclosure24 Dec 2022, 2:17PM Suryoday Small Finance Bank informs about disclosure24 Dec 2022, 10:06AM Suryoday Small Finance Bank informs about disclosure 20 Dec 2022, 11:14AM Suryoday Small Finance Bank informs about analyst meet30 Nov 2022, 4:12PM Suryoday Small Finan - Quaterly Results11 Nov 2022, 5:32PM Suryoday Small Finan - Quaterly Results11 Nov 2022, 5:32PM Suryoday Small Finance Bank reports 37% growth in total deposit for Q2 FY2310 Oct 2022, 4:57PM Suryoday Small Finance Bank informs about newspaper publication 6 Aug 2022, 3:55PM Suryoday Small Finan - Quaterly Results4 Aug 2022, 8:09PM Suryoday Small Finan - Quaterly Results4 Aug 2022, 8:09PM

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.

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 1183.6821 Cr. revenue in the latest financial year. Suryoday Small Finan has posted outstanding revenue growth of 15.5772254687979 % in last 3 Years.

  • In terms of advances, Suryoday Small Finan reported 26.6091027782705 % YOY,  rise . If you see 3 years advance growth, it stands at 19.419471845196 %.

  • Currently, Suryoday Small Finan has a CASA ratio of 17.1112120864148 %. It’s overall cost of liability stands at 5.51059917824382 %. Also, the total deposits of Suryoday Small Finan from these accounts stood at Rs 5166.7199 Cr.

  • Suryoday Small Finan has a Poor ROA track record. The ROA of Suryoday Small Finan is at 0.861251129312022 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.13 % and 1.55 % 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 -39.6408046600135 % 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 97.4224 Cr.

  • Suryoday Small Finan has a Good Capital Adequacy Ratio of 33.72 .

  • 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 1.2782 . The historical average PB of Suryoday Small Finan was 0.618799581772466.

  • Share Price: - The current share price of Suryoday Small Finan is Rs 209.25. One can use valuation calculators of ticker to know if Suryoday Small Finan share price is undervalued or overvalued.

Last Updated on:
Brief about Suryoday Small Finan

Suryoday Small Finance Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Suryoday Small Finance Bank Ltd. is a prominent financial institution in India that specializes in providing banking services to underprivileged and unserved sections of society. With a strong focus on financial inclusion, the company aims to empower individuals and businesses by offering a range of innovative banking products and services.

Suryoday Small Finance Bank Ltd. - Share Price

The share price of Suryoday Small Finance Bank Ltd. is an important indicator for investors. As a long-term stock investor, understanding the share price trend can help you make informed decisions. By using our pre-built screening tools, you can conveniently track and analyze the historical performance of the company's shares.

Suryoday Small Finance Bank Ltd. - Balance Sheet

Analyzing the balance sheet of Suryoday Small Finance Bank Ltd. can provide insights into the financial health and stability of the company. Our premium features offer tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis to help you calculate fair value and assess the performance of the bank. You can also access the annual reports of the company, as well as other downloadable resources, on our website.

Suryoday Small Finance Bank Ltd. - Annual Report

The annual report of Suryoday Small Finance Bank Ltd. offers a comprehensive overview of the company's operations, financial performance, and strategic objectives. By studying the annual report, investors can gain valuable insights into the bank's governance, risk management practices, and future prospects. You can conveniently download the annual reports of the company from our website.

Suryoday Small Finance Bank Ltd. - Dividend

Dividend payments play a crucial role in evaluating the attractiveness of a stock for long-term investors. Suryoday Small Finance Bank Ltd. has a consistent track record of rewarding its shareholders through dividend payments. By analyzing the dividend history of the company, potential investors can assess the bank's commitment to generating returns for its shareholders.

Suryoday Small Finance Bank Ltd. - Quarterly Result

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Suryoday Small Finance Bank Ltd. - Stock Price

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Suryoday Small Finance Bank Ltd. - Price Chart

Price charts offer valuable insights into the historical performance of Suryoday Small Finance Bank Ltd.'s shares. By analyzing price patterns, trends, and technical indicators, investors can identify potential buying or selling opportunities. Our website provides easy access to interactive and customizable price charts, equipped with various technical analysis tools, to aid you in your stock analysis.

Suryoday Small Finance Bank Ltd. - News

Staying updated with the latest news and developments related to Suryoday Small Finance Bank Ltd. is vital for investors. Our website offers a dedicated news section, where you can access relevant news articles and market updates relating to the bank. We also provide curated news feeds and expert analysis from reputable sources, enabling you to make well-informed investment decisions.

Suryoday Small Finance Bank Ltd. - Concall Transcripts

Concall transcripts provide detailed insights into the discussions and deliberations that occur during a company's conference calls with analysts and investors. By reading the concall transcripts of Suryoday Small Finance Bank Ltd., investors can gain a deeper understanding of the bank's performance, growth strategy, and management's outlook. You can conveniently access the concall transcripts of the bank on our website.

Suryoday Small Finance Bank Ltd. - Investor Presentations

Investor presentations serve as a valuable resource for understanding a company's business model, growth prospects, and financial highlights. Suryoday Small Finance Bank Ltd. offers investor presentations that provide comprehensive insights into the bank's operations, key metrics, and future plans. Access these informative presentations on our website to enhance your stock analysis.

Suryoday Small Finance Bank Ltd. - Promoters

The promoters of Suryoday Small Finance Bank Ltd. are instrumental in shaping the bank's direction and strategy. By understanding the background, expertise, and vision of the promoters, investors can assess the stability and long-term prospects of the bank. Stay informed about the promoters of the company through our detailed promoter profiles and analysis tools.

Suryoday Small Finance Bank Ltd. - Shareholders

Understanding the ownership structure and major shareholders of Suryoday Small Finance Bank Ltd. is essential for stock analysis. By analyzing the significant shareholders of the bank, investors can assess the level of institutional interest and the confidence of long-term investors. Our website provides access to comprehensive shareholder data, allowing you to gain insights into the company's ownership dynamics.

Remember to visit our website to utilize our pre-built screening tools, access downloadable resources like annual reports and research reports, and make use of our premium features for fair value calculations and in-depth analysis. Happy stock analyzing!

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