Suryoday Small Finan
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Suryoday Small Finan share price

Suryoday Small Finance Bank Ltd.

NSE: SURYODAY BSE: 543279 SECTOR: Bank - Private  85k   132   42

134.21
-4.85 (-3.49%)
NSE: Today, 09:54 AM

Price Summary

Today's High

₹ 139.94

Today's Low

₹ 134.21

52 Week High

₹ 217.7

52 Week Low

₹ 97.97

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

₹ 1426.45 Cr.

CASA %

20.13

No. of Shares

10.63 Cr.

P/E

6.81

P/B

0.73

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  184.44

Net Interest Income

₹ 962.23 Cr.

Cost To Income %

61.59

Promoter Holding

22.44 %

EPS (TTM)

₹  19.72

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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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 %
Mar 2025 22.44 22.39
Dec 2024 22.30 22.53
Sep 2024 22.30 22.53
Jun 2024 22.39 22.45
Mar 2024 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

  • Net NPA has increased by 2.33% QoQ
  • 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 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 410.71 444.66 488.12 507.2 487.85
Other Income 51.9 64.7 70.15 47.45 39.55
Interest Expended 165.02 173.88 194.89 207.22 219.58
Operating Expenses 183.43 207.15 219.1 220.51 236.46
Total Provisions 37.86 48.16 51.56 66.77 33.62
Profit Before Tax 76.3 80.17 92.72 60.15 37.74
Tax 19.08 19.33 22.66 14.76 4.44
Net Profit 57.22 60.84 70.06 45.39 33.3
Net NPA % 1.42 0.86 0.47 0.8 3.13
Gross NPA % 3.06 2.94 2.84 3.03 5.53
Return on Assets % 0.51 0.52 0.56 0.35 0.24
NPM % 13.93 13.68 14.35 8.95 6.83

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 Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 22.40 22.39 22.30 22.30 22.44
baskar babu ramachandran 5.04 5.04 5.04 5.04 5.18
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 - - - 3.32
savita surendra pai 2.09 2.09 2.01 2.01 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
p s jagdish - 3.32 3.32 3.32 -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 77.60 77.61 77.70 77.70 77.56
1729 capital 2.56 2.60 2.64 3.81 3.81
deg-deutsche investitions... 3.30 - - 3.30 3.30
evolvence india fund ii l... 3.46 3.45 3.45 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 2.68 2.00 2.00 2.00
icici prudential life ins... 1.31 1.31 1.31 1.31 1.31
kiran vyapar ltd - - - - 1.09
mukul mahavir agrawal 2.82 2.82 2.82 2.82 2.82
responsability participat... 3.59 3.59 3.59 3.58 3.58
sbi life insurance co. lt... 2.96 2.96 2.96 2.31 2.31
teachers insurance and an... 3.27 3.27 3.27 3.27 3.27
kiran vyapar limited - - - 1.09 -
axis mutual fund trustee ... 2.94 2.66 1.15 - -
deg-deutsche investitions... - 3.30 3.30 - -
dwm (international) mauri... 2.22 2.22 1.16 - -
lok capital growth fund 2.48 1.58 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Suryoday Small Finance Bank informs about results of e-voting 17 Apr, 11:56 AM Suryoday Small Finance Bank informs about investor meet 20 Mar, 5:22 PM Suryoday Small Finance Bank informs about disclosure 19 Mar, 5:19 PM Suryoday Small Finance Bank informs about newspaper advertisements 13 Mar, 5:33 PM Suryoday Small Finance Bank informs about transcript of conference call 30 Jan, 12:50 PM Suryoday Small Finance Bank submits newspaper advertisement 25 Jan, 12:15 PM Suryoday Small Finan - Quaterly Results 23 Jan, 7:30 PM Suryoday Small Finan - Quaterly Results 23 Jan, 7:30 PM 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 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 134.21. 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 0.7536 . The historical average PB of Suryoday Small Finan was 0.80932.

  • Share Price: - The current share price of Suryoday Small Finan is Rs 134.21. 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

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

Monitoring the quarterly results of Suryoday Small Finance Bank Ltd. allows investors to stay updated on the bank's financial performance and track its progress over time. Our website provides access to quarterly reports, including detailed financial statements and analysis. With our premium features, you can use various tools to assess the profitability and efficiency of the bank's operations.

Suryoday Small Finance Bank Ltd. - Stock Price

Regularly monitoring the stock price of Suryoday Small Finance Bank Ltd. is essential for long-term investors. Our pre-built screening tools enable you to access real-time stock prices, historical data, and interactive charts, allowing you to make informed investment decisions. Stay up to date with the latest market trends and price movements by using our intuitive and user-friendly stock price features.

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! 

Suryoday Small Finance Bank's Growing Reserves

Suryoday Small Finance Bank has shown a resilient and robust pattern in its reserves from March 2020 to March 2024, increasing from Rs 972.53 Cr to Rs 1,688.66 Cr. This growth indicates a strengthening of the bank's financial stability and its ability to withstand economic fluctuations.

Evolution of Deposits in Suryoday Small Finance Bank

The bank has remarkably increased its deposits from Rs 2,848.71 Cr in March 2020 to Rs 7,777.27 Cr by March 2024. This five-year timeline displays a consistent upward trajectory in customer trust and market capture.

Borrowings and Debt Management by Suryoday Small Finance Bank

Suryoday Small Finance Bank has carefully navigated its borrowings and debt levels. By March 2023, borrowings stood at Rs 2,765.41 Cr, with a slight reduction observed by March 2024 to Rs 2,442.98 Cr, showcasing prudent debt management and operational efficiency.

Asset Growth in Suryoday Small Finance Bank's Balance Sheet

The bank's total assets have seen a commendable escalation from Rs 5,364.52 Cr in March 2020 to Rs 12,377.68 Cr by March 2024. Significant growth in advances from Rs 3,531.94 Cr to Rs 8,077.97 Cr during the same period indicates robust credit growth and asset quality.

The data provided herein offers an analytical glimpse into the Standalone Balance Sheet of Suryoday Small Finance Bank, highlighting its growth and financial health over the years.

This analysis is crucial for investors monitoring the performance of banking stocks on NSE and BSE indices, fostering informed decision-making in the dynamic financial sector.

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