SURYODAY

Suryoday Small Finance Bank Ltd.

NSE: SURYODAY

BSE: 543279

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

182.15-1.6 (-0.84%)

3 Jul, 3:30 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

71.6 / 100

Value Score

96.3 / 100

Price Momentum Score

91.7 / 100

QVM Score

99.5 / 100

Key Metrics

Market Cap

1952.55

P/E (TTM)

12.85

P/B

0.94

P/S (TTM)

1.34

EV/EBITDA

11.14

CAPE (5Y)

20.89

ROE (TTM)

7.59

ROCE (TTM)

4.05

ROA (TTM)

0.86

Avg 3Y ROE

8.83

Earnings 3Y CAGR

24.99

Sales 3Y CAGR

20.00

Sales 5Y CAGR

23.39

Debt/Equity

1.50

Consensus TP

263.50

Strong Buy %

Promoter Holding

22.48

Pledged %

22.35

Stock Analysis

Fundamental analysis overview of Suryoday Small Finance Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.94 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -16.81%

What is P/B Ratio?

Median: 1.13

Value 0.94

0.873.96

Strong price momentum

Price Momentum score of 91.7 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

91.7 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 6.97% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Moderate revenue growth and above median growth of industry

The company delivered moderate revenue growth of 10.2% for 12-month ended 31 Mar 2026 and the growth was 17.21 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: -7.01

Value 10.2

-27.2517.72

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 32.07% for 12-month ended 31 Mar 2026 and the growth was 37.51 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Negative

Low but stable ROE

The company reported low ROE of 7.59% for 12-month ended 31 Mar 2026 and ROE improved marginally by 142 bps from 1 year ago

What is ROE (FY)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

High Net Interest Margin (NIM) but declining trend

The company reported strong Net Interest Margin (NIM) of 6.53% for 12-month ended 31 Mar 2026 but Net Interest Margin (NIM) declined by -175 bps from 1 year ago

What is Net interest margin?

High, but decreasing Gross NPA

The company has high Gross NPA of 6.55% as on 31 Mar 2026 but Gross NPA decreased by 0.61 in the last 1 year

What is Gross NPA (%)?

Financial Snapshot

See detailed analysis

Multi-year trends for Suryoday Small Finance Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Suryoday Small Finance Bank Ltd. Shareholding Pattern

Quarterly breakdown of Suryoday Small Finance Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Aug 2017	Aug 2018	Sep 2019	Mar 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	26.15	29.42	26.86	30.50	30.35	28.02	28.01	28.01	28.01	28.01	28.01	23.30	23.30	23.30	22.40	22.40	22.40	22.39	22.30	22.30	22.44	22.44	22.44	22.44	22.48
Indian Promoter	26.15	29.42	26.86	30.50	30.35	28.02	28.01	28.01	28.01	28.01	28.01	23.30	23.30	23.30	22.40	22.40	22.40	22.39	22.30	22.30	22.44	22.44	22.44	22.44	22.48
Foreign Promoter	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	41.26	38.20	42.04	44.17	38.69	36.06	34.61	34.37	33.98	32.17	26.45	24.80	22.09	20.35	20.53	19.92	16.95	15.67	11.50	10.69	10.33	10.61	11.28	11.08	10.95
Mutual Funds / UTI	0.00	0.00	0.00	0.00	2.10	6.05	5.88	5.73	5.49	5.05	4.89	4.56	4.56	4.56	4.73	4.81	3.18	2.85	1.15	0.04	0.04	0.49	1.05	1.20	1.58
FI/Bank/Insurance	25.61	23.34	24.59	23.83	20.76	16.35	12.80	12.80	12.66	11.91	11.91	11.91	11.45	11.45	10.98	9.45	8.19	7.77	6.27	5.62	5.62	5.19	5.19	4.17	3.61
Govt	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	15.66	14.86	17.45	20.34	0.00	7.68	9.96	9.95	9.94	8.27	3.93	2.61	1.16	1.68	2.16	2.91	2.90	3.02	3.50	4.80	4.67	4.68	4.67	4.97	5.23
Other Institutions	0.00	0.00	0.00	0.00	15.83	5.99	5.99	5.90	5.90	6.95	5.72	5.72	4.92	2.67	2.67	2.75	2.67	2.02	0.59	0.23	0.00	0.25	0.38	0.74	0.53
Non-Institution	32.58	32.38	31.10	25.33	30.97	35.92	37.38	37.62	38.01	39.82	45.54	51.90	54.61	56.34	57.06	57.68	60.66	61.95	66.19	67.01	67.23	66.96	66.28	66.49	66.57
Bodies Corporate	1.19	3.76	3.80	2.50	-	-	-	-	20.77	21.16	5.59	7.12	6.96	6.45	5.64	5.72	6.54	5.80	5.81	6.97	5.65	6.09	6.11	6.67	7.00
Others (incl. Retail) No. of shareholders	31.39 0	28.62 0	27.30 0	22.83 0	30.97 2,247	35.92 1,12,540	37.38 1,04,011	37.62 98,109	17.24 94,940	18.66 94,646	39.95 95,293	44.78 95,481	47.65 94,104	49.89 93,883	51.42 94,589	51.96 93,978	54.12 96,027	56.15 1,03,100	60.38 1,08,021	60.04 1,09,907	61.58 1,08,451	60.87 1,04,642	60.17 1,01,821	59.82 98,863	59.57 94,763

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

Suryoday Small Finance Bank Ltd. is not part of any tracked index.

Prominent Investor Holdings

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Suryoday Small Finance Bank Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Baskar Babu Ramachandran Promoter & Director	March-2026	Market Purchase (Acquisition) 18th Mar 2026	5.18 %	₹ 127.67	50.00 k	₹ 63.83 lac
SAMEER SRINIVAS RANADE Designated Person	September-2025	Market Sale (Disposal) 29th Sep 2025	0.01 %	₹ 132.30	9.75 k	₹ 12.90 lac
NARAYAN VASUDEVA RAO Connected Person	May-2025	Market Sale (Disposal) 28th May 2025	0.09 %	₹ 125.88	99.00 k	₹ 1.25 cr
Baskar Babu Ramachandran Promoter	March-2025	Market Purchase (Acquisition) 18th Mar 2025	5.04 %	₹ 100.29	1.50 lac	₹ 1.50 cr
Savita Surendra Pai Promoter Group	September-2024	Market Sale (Disposal) 4th Sep 2024	2.07 %	₹ 188.63	68.49 k	₹ 1.29 cr
Savita Surendra Pai Promoter Group	September-2024	Market Sale (Disposal) 2nd Sep 2024	2.09 %	₹ 190.62	19.64 k	₹ 37.45 lac
NARAYAN VASUDEVA RAO Connected Person	August-2024	Market Sale (Disposal) 31st Aug 2024	0.16 %	₹ 190.24	65.72 k	₹ 1.25 cr
Kartiklingam R Nadar Designated Person	August-2024	Market Sale (Disposal) 12th Aug 2024	0.01 %	₹ 189.98	6.25 k	₹ 11.87 lac
Dhara Vyas Designated Person	August-2024	Market Sale (Disposal) 7th Aug 2024	0.02 %	₹ 193.29	17.50 k	₹ 33.82 lac
SHALINI RULHAN Designated Person	June-2024	Market Sale (Disposal) 22nd Jun 2024	0.01 %	₹ 198.00	10.00 k	₹ 19.80 lac

Corporate Actions

History of Suryoday Small Finance Bank Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 1.50/share
Record date: 17th Jul 2026Ex-date: 17th Jul 2026
Announced on: 7th May 2026

Company Profile

Overview of Suryoday Small Finance Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Suryoday Small Finance Bank Limited (the Bank) is an India-based banking company. The Bank is primarily engaged in extending microcredit to economically weaker women. The Bank follows the Grameen model with adaptations using the Joint Liability Groups (JLG) framework. The Bank also provides finance ...

Key personnel

Mr. Kanishka Chaudhary

Chief Financial Officer

Mr. Pankaj Gulati

Chief People Officer and Head- CSR

Mr. Krishna Kant Chaturvedi

Compliance Officer, Company Secretary

Mr. Yogesh Dixit

Chief Risk Officer

Mr. Sudheer Kamble

Chief of Internal Vigilance

Mr. Sumeet Mishra

Chief Information Security Officer

Mr. Gaurav Pravinbhai Popat

Chief Audit Officer

Sri. Krishna Prasad NairD

Non-Executive Independent Part-time Chairman of the Board

View all

Incorporated on

10 Nov 2008

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

26 Mar 2021

Free Float

6,48,28,747

Website

https://www.suryodaybank.com/

Phone no.

Address

UNIT NO.1101,SHARDA TERRACES,PLOT NO.65, SECTOR 11,CBD BELAPUR,, , 400614, India

Frequently Asked Questions

What is the current share price of Suryoday Small Finance Bank Ltd.?

The current share price of Suryoday Small Finance Bank Ltd. is ₹ 182.15 as of 3 Jul 2026.

What is the market capitalisation of Suryoday Small Finance Bank Ltd.?

The market capitalisation of Suryoday Small Finance Bank Ltd. stands at ₹ 1,952.55 Cr.

What is the PE ratio of Suryoday Small Finance Bank Ltd.?

The Price-to-Earnings (PE) ratio of Suryoday Small Finance Bank Ltd. is 12.85 as of the latest trailing twelve months data.

What is the ROE and ROCE of Suryoday Small Finance Bank Ltd.?

Suryoday Small Finance Bank Ltd. has a Return on Equity (ROE) of 7.59% and a Return on Capital Employed (ROCE) of 4.05% as per the latest financial reports.

What is the 52-week high and low of Suryoday Small Finance Bank Ltd.?

The 52-week high of Suryoday Small Finance Bank Ltd. is - and the 52-week low is -.

What is the dividend yield of Suryoday Small Finance Bank Ltd.?

The dividend yield of Suryoday Small Finance Bank Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Suryoday Small Finance Bank Ltd.?

Foreign Institutional Investors (FII) hold 5.23%, Domestic Institutional Investors (DII) hold 5.19% and retail/public investors hold 59.57% of Suryoday Small Finance Bank Ltd. shares.

What sector does Suryoday Small Finance Bank Ltd. belong to?

Suryoday Small Finance Bank Ltd. operates in the Financial Services sector.

What is the beta of Suryoday Small Finance Bank Ltd.?

The beta of Suryoday Small Finance Bank Ltd. is 0.78, indicating its price volatility relative to the broader market. Over the past 1 year, Suryoday Small Finance Bank Ltd. has delivered an absolute return of 30.19%.

What is the RSI of Suryoday Small Finance Bank Ltd.?

The 14-day Relative Strength Index (RSI) of Suryoday Small Finance Bank Ltd. is 68.38, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Suryoday Small Finance Bank Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Suryoday Small Finance Bank Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Company Profile

Corporate Actions

Stock Analysis

Holdings and Presence