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Prices as of 9 Oct 2026 close · Not investment advice

Suryoday Small Finance Bank Limited

NSE: SURYODAYOther Bank

Share price

₹147.93

-0.75% close of 9 Oct 2026

Market cap ₹1,568 CrP/E 8.2

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 8 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

64

out of 100 · worked out 9 Oct 2026

How the business score works

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹1,568 Cr

P/E ratio

8.2

P/B ratio

0.8

ROCE

7.3%

ROE

7.6%

Dividend yield

1.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹194.3152-week low ₹116.44

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 16.7% over the past year, and 24.3% a year over its longer record. Meanwhile what it keeps on lending slipped from 4.5% to -6.3% over the last two years.

Whether it grew faster than its sector

It grew 24.3% a year against a sector median of 16.0% — 8.4 percentage points faster.

Room to re-rate, or risk of de-rating

At 8.2× earnings against a market that pays 24.1× across 2199 companies we can price. Its own industry sits at 14.1×, across 4 companies. It is against its own five-year median of 11.6×, the 20th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.3 times its growth rate, on earnings growth of 25%.

Profit growthPrice per ₹1 profitPer 1% growth
Suryoday Small Finance Bank Limited — this one25%/yr8.2×₹0.33
AU Small Finance Bank Limited23%/yr25.7×₹1.1
Ujjivan Small Finance Bank Limited-14%/yr13.2×—
Equitas Small Finance Bank Limited-44%/yr14.7×—
Jana Small Finance Bank Limited8%/yr13.5×₹1.7
Utkarsh Small Finance Bank Limited———

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Other Bank), it ranks 5 of 9 on returns, 3 of 9 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 7.6% on capital, ahead of 44% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

How the profit check works

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹1,568 Cr
Prev close
₹147.93
52w High
₹218
52w Low
₹115
Enterprise value
—
Beta
1.0
Price CAGR 1y
8.0%
Price CAGR 3y
-2.0%
Price CAGR 5y
-4.0%
Price CAGR 10y
—

Ratios

Return on assets
0.8%
PEG ratio
0.3
P/E ratio
8.2
P/B ratio
0.8
EV / EBITDA
—
Industry P/E
13.6
ROCE
7.3%
ROCE 5y average
—
ROE
7.6%
Debt / Equity
1.5
Interest coverage
—
Dividend yield
1.0%
ROE 3y average
9.0%
ROE last year
8.0%

Annual P&L

Annual revenue
₹2,160 Cr
Annual profit
₹152 Cr
Operating margin
-4.0%
Net profit margin
7.0%
EBITDA margin
-4.3%
Sales growth 3y
22.2%
Sales growth 5y
22.7%
Profit growth 3y
25.0%
Profit growth 5y
66.0%
EPS
₹14.3
Sales growth TTM
17.0%
Profit growth TTM
139.0%
Dividend payout
10.0%

Quarter P&L

Sales latest quarter
₹622 Cr
Profit latest quarter
₹75 Cr
YoY quarterly sales growth
25.7%
YoY quarterly profit growth
114.3%
OPM latest quarter
-7.0%

Balance Sheet

Book Value
₹196
Face Value
₹10.0
Total debt
₹3,122 Cr
Total cash
₹944 Cr
Borrowings
₹3,122 Cr
Reserves / Equity
18.6

Cash Flow

Operating cash flow
₹652 Cr
Free cash flow
₹577 Cr
FCF yield
—
Net cash flow
₹273 Cr

Shareholding

Promoter holding
22.5%
FII holding
5.3%
DII holding
5.5%
Public holding
66.7%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
AU Small Finance980.4025.773,6640.10796.037.05,302.721.17.7
Ujjivan Small62.2413.312,1280.00316.5206.72,024.925.17.7
Equitas Sma. Fin67.7915.27,7560.00183.6182.11,960.418.96.4
Jana Small Finan488.9013.75,1740.00155.252.31,514.522.17.5
Utkarsh Small F.13.662,4310.00-33.985.8883.60.31.5
ESAF Small Fin41.522,1430.0080.1198.61,097.832.55.7
Suryoday Small151.058.41,6060.9975.2113.1622.425.77.3
Median148.7013.72,4310.0080.185.81,097.821.17.1

Competes with: AU Small Finance Bank Limited, Capital Small Finance Bank Limited, ESAF Small Finance Bank Limited, Equitas Small Finance Bank Limited, Fino Payments Bank Limited, Jana Small Finance Bank Limited, Ujjivan Small Finance Bank Limited, Utkarsh Small Finance Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue358375411445488507488471495520544602622
Expenses212205221255271287270352309299310341362
Financing Profit121624152313-2-107-62-41-33-25-46
Financing Margin %346352-0-23-12-8-6-4-7
Other Income5152526570474060109808190148
Interest133154165174195207220226248261267285307
Depreciation0000000000000
Profit before tax63687680936038-4747394866102
Tax %25262524242512-282523242426
Net Profit48505761704533-343530375075
EPS in Rs4.484.745.395.736.594.273.13-3.183.322.863.444.687.07
Gross NPA %3.042.903.062.942.843.035.537.168.465.936.696.556.60
Net NPA %1.631.461.420.860.470.803.134.585.643.804.354.211.27
Gross NPA734918655790864931
Income on Investments485154525863
Interest on Advances416434456477527543
Interest on RBI and Inter-bank Balances5.95109.95131515
Net NPA457593411501542170

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1181992442875307677769421,1841,5891,9542,1602,287
Expenses37761141812594144607867008431,1241,1911,312
Financing Profit262815-188177-49-20147120-18-93-144
Financing Margin %22146-61510-6-2148-1-4-6
Other Income0111386787769497219217360399
Interest55951151231902763663574376268481,0621,120
Depreciation11256101519435156680
Profit before tax2527241614315412-127101288144200255
Tax %340373637282-2723252024
Net Profit172715109011112-9378216115152192
EPS in Rs5.117.162.361.5011131.12-8.767.3220111418
Dividend Payout %0000000000010

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
27%
5 years
23%
3 years
22%
TTM
17%

Compounded profit growth

10 years
19%
5 years
66%
3 years
25%
TTM
139%

Stock price CAGR

10 years
—
5 years
-4%
3 years
-2%
1 year
8%

Return on equity

10 years
6%
5 years
5%
3 years
9%
Last year
8%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital333864688287106106106106106106
Reserves991594374727999801,4911,3991,4791,6991,8211,972
Borrowing5949561,0225231,1241,2651,6672,5512,7652,4432,7103,122
Deposits229451,5932,8493,2563,8545,1677,77710,58013,994
Other Liabilities313960156163185193270344352397689
Total Liabilities7571,1931,6042,1643,7615,3656,7128,1809,86112,37815,61419,884
Fixed Assets2261318303566163152156293
CWIP0021188491171355
Investments105943116648081,8742,0582,5702,5993,1373,693
Advances9,97412,879
Other Assets7541,1901,0021,8393,0784,5184,7956,0077,1279,61012,18715,893
Total Assets7571,1931,6042,1643,7615,3656,7128,1809,86112,37815,61419,884

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-545526-876-347-989351,320652
Cash from Investing Activity-14-167-280-158-266-263-1,059-792
Cash from Financing Activity655210915885213-322268412
Net Cash Flow97569-241381-150349529273
Free Cash Flow-556496-896-438-1908791,143577

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %15174213111-651368

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters222222222222222222222222
FIIs2.162.912.903.023.504.804.674.684.674.975.235.35
DIIs181714138.015.895.665.936.626.115.725.47
Public575861626667676766666767
No. of Shareholders94,84894,23596,2761,03,3561,08,3011,10,1971,08,7341,04,9271,02,09899,13895,02689,688

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -2.0% (₹151.01 → ₹147.93)Brick size ₹5.39 (fixed)Bricks 31
₹125₹175₹148Nov '25Apr '26Jun '26Aug '26
Price moved up one brickPrice moved down one brickLast close ₹147.93 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

20.00pct

2026-06-30

CASA ratio %

21.00pct

2026-06-30

collection efficiency %

99.20pct

2026-06-30

cost-to-income %

70.11pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

6.60pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

loan growth %

32.50pct

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

2,540cr

2026-06-30

net NPA %

1.27pct

2026-06-30

net interest margin %

7.20pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

81.80pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

25,19,244inr

2026-03-31

return on assets %

0.89pct

2026-03-31

News

News and filings about Suryoday Small Finance Bank Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

  • Magma HDI General Insurance

Products sold by

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Other Bank
Classification
Financial Services › Other Bank
ISIN
INE428Q01011

News impact

Big market events that reach Suryoday Small Finance Bank Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

17 Jul 2026unspecified₹1.5

Splits, bonuses & buybacks

  • daily-prices repair: 8 rows from NSE's archive (replace 2, delete 1, insert 5), 2023-11-12..2026-02-01 (docs/flat_day_repair.md)1× · 12 Nov 2023

Bulk & block deals

DateWhoBought / soldSharesPrice
27 Jul 2026JUNOMONETA FINSOL PRIVATE LIMITEDBUY6,44,887₹191.50
27 Jul 2026JUNOMONETA FINSOL PRIVATE LIMITEDSELL6,43,486₹191.71
24 Jul 2026MICROCURVES TRADING PRIVATE LIMITEDBUY44,63,691₹206.19
24 Jul 2026MICROCURVES TRADING PRIVATE LIMITEDSELL44,63,691₹206.30
24 Jul 2026NK SECURITIES RESEARCH PRIVATE LIMITEDSELL33,62,818₹207.59
24 Jul 2026NK SECURITIES RESEARCH PRIVATE LIMITEDBUY33,62,818₹207.49
24 Jul 2026ELIXIR WEALTH MANAGEMENT PRIVATE LIMITEDBUY27,52,066₹204.10
24 Jul 2026ELIXIR WEALTH MANAGEMENT PRIVATE LIMITEDSELL26,79,947₹204.91
24 Jul 2026QE SECURITIES LLPBUY25,93,852₹202.27
24 Jul 2026QE SECURITIES LLPSELL25,70,653₹205.92

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.