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Suryoday Small Finance Bank Ltd.

•
suryoday.bank.in/BSE: 543279NSE: SURYODAY
Market Cap₹ 1,616 Cr.
Current Price
High / Low₹ 218 / 115
Stock P/E8.4
Book Value₹ 202
Price to Book0.61
Dividend Yield0.99 %
ROCE7.7 %
ROE7.6 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 81.9% • Treasury: 10.6% • Corporate: 5.7%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 66.6% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 20.4%
  • Latest quarter profit grew 113.1% YoY, showing strong momentum
  • Healthy loan book growth of 29.1% with stable asset quality
  • Strong provisioning - provision coverage ratio of 81.8%
  • Company has delivered good sales growth of 22.7% CAGR over last 5 years

CONS

  • Net NPA is elevated at 4.2% - provisioning cushion is thin
  • Asset quality is weak - gross NPA at 6.5%
  • A large part of profit comes from other income (180.2% of PBT)
  • Operating margins have contracted to 17.8% from 28.5%
  • Growth is decelerating - 3Y profit CAGR (25.1%) trails the 5Y trend (66.6%)
  • Though reporting repeated profits, the company pays out little dividend (10.5%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.HDFCBANK713.1513.911099262.182.17203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1423.0018.211021340.800.8416209.7412.6252240.856.4416.5132.39
3.KOTAKBANK424.8520.82422626.170.155487.0623.8918354.576.4112.0519.05
4.AXISBANK1273.0014.27396316.120.087656.5122.3135541.969.8711.0463.88
5.IDBI90.6810.4697502.780.002130.575.277549.287.4414.7676.80
6.FEDERALBNK343.0018.1184792.000.351297.6137.067861.589.9410.9866.11
7.AUBANK1066.8043.9480071.670.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK1006.0059.2878381.540.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.6732.4274724.360.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.4918.7070592.280.001071.8132.538054.495.928.0458.47
11.RBLBANK414.3571.4864263.170.242342.30993.4138402.401015.976.4940.95
12.SURYODAY152.008.421615.710.9975.18113.10622.3625.697.7241.88
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
358375411445488507488471495520544602622
Interest Expended133154165174195207220226248261267285307
Net Interest Income225221246271293300268245247258277317316
5152526570474060109808190148
Total Income00000000000692770
Operating Expenses159178183207219221236258247259269300325
Operating Profit1179411412814412771471097989107139
Provisions & Contingencies54273848526734936240414137
Profit before Tax63687680936038-4747394866102
Tax %24.94%25.68%25.01%24.11%24.44%24.54%11.76%27.79%24.66%22.62%23.50%24.27%26.22%
Net Profit48505761704533-343530375075
EPS4556743-333351

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
00000001,5891,9542,160—
Interest Expended1151231912763663574376268481,0621,120
Net Interest Income-115-123-191-276-366-357-4379621,1061,099—
1386787769497219217360399
Total Income00000001,8082,1712,5201,462
00000007289341,074—
Operating Profit-115-123-191-276-366-357-437454389384—
6524565165326285166245184—
Profit before Tax241613815412-127101288144200255
Tax %0.00%0.00%0.00%0.00%0.00%-0.00%0.00%24.90%20.07%23.85%24.65%
Net Profit15108711112-9378216115152192
EPS3213131-97201114—

COMPOUNDED SALES GROWTH

10 Years:
27%
5 Years:
23%
3 Years:
22%

COMPOUNDED PROFIT GROWTH

10 Years:
19%
5 Years:
67%
3 Years:
25%

STOCK PRICE CAGR

10 Years:
—
5 Years:
0%
3 Years:
-4%
1 Year:
22%

RETURN ON EQUITY

10 Years:
6%
5 Years:
5%
3 Years:
9%
Last Year:
8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Jul 17

₹ 0.15

Rs.1.5000 per share(15%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital64678287106106106106106106
4364697949731,4811,3901,4701,6891,8091,962
227501,5932,8493,2563,8545,1677,77710,58013,994
1,0227181,1241,2651,6672,5512,7652,4432,7103,122
Other Liabilities & Provisions60156163185193270344352397689
Total Liabilities1,6042,1643,7615,3656,7128,1809,8611219,884
ASSETS----------
273148611036077848141,4661,714
Balances with Banks & Money at Call10717622877749437041366243385
5943116648081,8742,0582,5702,5993,1373,693
8201,5752,6803,5323,9834,7516,0158,0789,97412,879
61318303566163152156293
4957122148216279286352503916
Total Assets1,6042,1643,7615,3656,7128,1809,8611219,884

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-231458-548526-876-347-989351,320652
Cash from Investing-158-84-14-167-280-158-266-263-1,059-792
Cash from Financing350-285658210915885213-322268412
-398897569-241381-150349529273

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)2.361.5010.6112.811.12-8.767.3220.3410.8214.30
Book Value (₹)77.9879.46107.38122.31149.51140.91148.45169.01180.19194.58
Dividend per Share (₹)0.000.000.000.000.000.000.000.000.001.50
PROFITABILITY
Net Interest Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%8.12%7.46%5.88%
ROA %1.08%0.54%2.92%2.43%0.20%-1.25%0.86%1.94%0.82%0.86%
ROE %4.34%1.95%12.26%11.47%0.90%-6.04%5.06%12.81%6.20%7.63%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%61.61%70.59%73.67%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%6.55%
Net NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%4.21%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%37.30%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%20.13%20.91%22.60%
Credit-Deposit Ratio %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.31%0.26%0.22%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%28.41%25.83%20.45%
GROWTH & VALUATION
Net Profit Growth %-44.98%-32.95%755.27%28.10%-89.31%-884.72%183.51%177.97%-46.77%32.19%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%13.85%6.62%7.99%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x7.92x9.28x8.31x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.95x0.56x0.61x
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.26%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
22.3922.3022.3022.4422.4422.4422.4422.4822.48
3.023.504.804.674.684.674.975.235.35
12.648.015.895.665.936.626.115.725.47
Government0.000.000.000.000.000.000.000.000.00
61.9566.1967.0167.2366.9666.2866.4966.5766.70

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-13
ESOP/ESOS/ESPS

2026-08-13 - Intimation regarding the allotment of Equity Shares of the Bank pursuant to exercise of Stock Options under Suryoday ESOP Scheme 2019.

2026-08-09
Resignation of Director/KMP/SMP

2026-08-09 - Suryoday Small Finance Bank Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-09
Change in Management

2026-08-09 - Intimation regarding retirement of Mr. John Arunkumar Diaz (DIN: 00493304), as an Independent Director of the Bank and resignation of Mr. Krishna Kant Chaturvedi, from the position of Company Secretary and Compliance Officer and Key Managerial Personnel

2026-08-07
Shareholders meeting

2026-08-07 - Submission of Results of e-voting (i.e., Remote e-voting as well as e-voting during the AGM/Insta-poll) on the Resolutions set out in the Notice convening 18th Annual General Meeting of the Bank for seeking approval of the Members with Revised Annexure-1B

2026-08-06
Shareholders meeting

2026-08-06 - Suryoday Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 06, 2026

2026-08-06
Shareholders meeting

2026-08-06 - Suryoday Small Finance Bank Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 06, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-30
Trading Plan under PIT

2026-07-30 - Suryoday Small Finance Bank Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

2026-07-29
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-29 - Suryoday Small Finance Bank Limited has informed the Exchange about Transcript

2026-07-25
Copy of Newspaper Publication

2026-07-25 - Suryoday Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication regarding Unaudited Financial Results of the Bank for the Quarter (Q-1) ended June 30, 2026.

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