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Banking And Finance | Small Cap
Health Score : 3.69Suryoday Small Finance Bank shows a mixed financial performance. The bank demonstrates strong growth in revenue and assets, but struggles with profitability and liquidity. High debt levels raise concerns about its long-term financial stability. While the bank's efficiency metrics are skewed by the nature of its operations, certain financial figures like capital expenditure are well-managed. The bank needs to enhance its earnings and operational performance to ensure sustainability. Though there are some challenges, the bank's capacity to expand its revenue and assets provides a base for future improvement. The overall health of the bank requires careful monitoring and strategic adjustments to address its weaknesses and capitalize on its strengths.
Health Score : 3.69Suryoday Small Finance Bank shows a mixed financial performance. The bank demonstrates strong growth in revenue and assets, but struggles with profitability and liquidity. High debt levels raise concerns about its long-term financial stability. While the bank's efficiency metrics are skewed by the nature of its operations, certain financial figures like capital expenditure are well-managed. The bank needs to enhance its earnings and operational performance to ensure sustainability. Though there are some challenges, the bank's capacity to expand its revenue and assets provides a base for future improvement. The overall health of the bank requires careful monitoring and strategic adjustments to address its weaknesses and capitalize on its strengths.
Overall Valuation Score
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Markets Today NSE
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0.00
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
10.56
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
10.56
P/B RATIO
0.77
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
0.71
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.33
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹151.06 as on Sep 1, 2026.
Growth Score : 4.80The company has shown positive performance in revenue and asset growth. However, the operating profit, EPS, and net income growth rates are negative. The company is expanding its operations, but its earnings are not keeping pace. Improving profitability is essential to ensure that growth translates into increased shareholder value.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 21.39 | 25.69 | 34.21 | 22.97 | 10.54 |
| Operating Profit Growth Rate | -310.2 | 123.38 | 155.32 | -115 | -788.89 |
| Earnings Per Share (EPS) Growth | -882.14 | 183.56 | 177.87 | -46.8 | 32.16 |
| Asset Growth Rate | 21.87 | 20.55 | 25.52 | 26.14 | 27.35 |
| Net Income Growth Rate | -875 | 183.87 | 176.92 | -46.76 | 32.17 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 3 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 4 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 5 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤13th May 26
Q4 FY26 Earnings Conference Call
BULLISH SENTIMENT
Quarterly Report⬤22nd Jan 26
Quarterly Financial Results Q3 FY 2025-26
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Suryoday Small Finance Bank Ltd. operates as a small finance bank in India, primarily focusing on financial inclusion. It offers a range of banking products and services including savings accounts, current accounts, fixed deposits, and various loan products like microfinance, affordable housing, and secured business loans, targeting underserved and unserved segments.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Suryoday Small Finance Bank Ltd's P/E ratio (TTM) is 10.56, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Suryoday Small Finance Bank Ltd's P/B ratio is 0.77, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Suryoday Small Finance Bank Ltd's P/S ratio is 0.71, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Suryoday Small Finance Bank Ltd's PEG ratio is 0.45.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Suryoday Small Finance Bank Ltd's EV/EBITDA ratio is 2.33.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Suryoday Small Finance Bank Ltd's ROE is 7.31%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Suryoday Small Finance Bank Ltd's ROA is -0.80%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Suryoday Small Finance Bank Ltd's ROCE is 60.73%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Suryoday Small Finance Bank Ltd's operating margin is -7.41%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Suryoday Small Finance Bank Ltd's net margin is 7.04%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Suryoday Small Finance Bank Ltd's current ratio is 23.07.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Suryoday Small Finance Bank Ltd's debt-to-equity ratio is 6.69.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Suryoday Small Finance Bank Ltd's interest coverage ratio is 1.19.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Suryoday Small Finance Bank Ltd's DPS is ₹1.43.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Suryoday Small Finance Bank Ltd's EPS is 32.16.
(Source line: "Ratios as of 26 Sept 2026, based on last traded price of ₹151.06. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2008 (as Suryoday Micro Finance Ltd.)
Headquarters: Navi Mumbai, Maharashtra
Core Offerings: Microfinance Loans, Affordable Housing Loans, Secured Business Loans, Savings & Current Accounts, Fixed & Recurring Deposits
Stock Listing: NSE (SURYODAY), BSE (543279)
Promoter: Suryoday Foundation
2008: Incorporated as Suryoday Micro Finance Ltd., providing financial services to rural and semi-urban populations.
2015: Received in-principle approval from RBI to establish a Small Finance Bank.
2017: Commenced operations as Suryoday Small Finance Bank Ltd., converting from an NBFC-MFI.
2021: Successfully completed its Initial Public Offering (IPO) and listed on NSE and BSE.
Present: Continues to expand its branch network and digital offerings, focusing on financial inclusion.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Microfinance Loans | Approx. 39% (Gross Loan Portfolio FY23) | Operating Profit |
| Mortgage-Backed Loans (incl. Affordable Housing & Secured Business Loans) | Approx. 26% (Gross Loan Portfolio FY23) | Operating Profit |
| Commercial Vehicle Loans | Approx. 16% (Gross Loan Portfolio FY23) | Operating Profit |
| Other Loans (incl. Small Business & Financial Inclusion Group) | Approx. 19% (Gross Loan Portfolio FY23) | Operating Profit |
Microfinance Loans: Provides joint liability group (JLG) loans and individual micro-loans primarily to women in rural and semi-urban areas for income-generating activities, fostering financial inclusion.
Mortgage-Backed Loans: Offers affordable housing loans and secured business loans against property, catering to both salaried and self-employed individuals for home purchase/construction and business expansion.
Commercial Vehicle Loans: Extends financing for the purchase of new and used commercial vehicles, including auto-rickshaws, light commercial vehicles, and mini-trucks, supporting last-mile connectivity and logistics.
Liability Products: Manages a diverse portfolio of deposit products including savings accounts, current accounts, fixed deposits, and recurring deposits, mobilized through its widespread branch network and digital platforms.
R. Baskar Babu, MD & CEO: A seasoned banking professional with over two decades of experience in the financial services sector. He is the founder of Suryoday Micro Finance Ltd. and has been instrumental in its transformation into a Small Finance Bank.
No major subsidiaries reported.
No major recent corporate actions on record.
The Suryoday Small Finance Bank Ltd share price today is ₹151.06 on NSE (SURYODAY), as of 28 Sept 2026.
As of 26 Sept 2026, Suryoday Small Finance Bank Ltd share price is ₹151.06, with previous close ₹151.06. Today's range is ₹151.06 to ₹151.06. The 52-week range is ₹115.41 to ₹218.
As of today, Suryoday Small Finance Bank Ltd's market cap is ₹1,527.22 crore (Small Cap).
Suryoday Small Finance Bank Ltd's current P/E ratio is 10.56, compared to the BANKING AND FINANCE sector average of 19.
Suryoday Small Finance Bank Ltd's current P/B ratio is 0.77.
Suryoday Small Finance Bank Ltd's current dividend yield is 0.95%. Last dividend of ₹0.00 per share was declared on N/A.
Suryoday Small Finance Bank Ltd's EPS (TTM) is ₹32.16.
Suryoday Small Finance Bank Ltd. operates as a small finance bank in India, primarily focusing on financial inclusion. It offers a range of banking products and services including savings accounts, current accounts, fixed deposits, and various loan products like microfinance, affordable housing, and secured business loans, targeting underserved and unserved segments.
Suryoday Small Finance Bank Ltd is promoted by Suryoday Foundation, holding 22.48% as of 26 Sept 2026.
Suryoday Small Finance Bank Ltd is listed on NSE (SURYODAY) and BSE (543279). Its next quarterly results are expected on August 2024.
Cash Earnings Per Share (Cash EPS)