analysis

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

Summary Recommendation

A summary recommendation on the stock based on our classification and scoring techniques along with analyst recommendations.

StyleBox^TMWhat is StyleBox?

Super stock

The stock scores high on all 3 factors – quality, value & momentum and is a potential strong buy.

Detail >

QVM scoreWhat is QVM score?

99.5 / 100

The stock has high QVM score with respect to other stocks in the market. Bullish.

Analyst ratingWhat is Analyst rating?

No active sell-side coverage. Recommendations not available.

Technical indicatorsSee all >

74 %

Suryoday Small Finance Bank Ltd. on 1D timeframe is bullish for 17 out of 23 technical oscillators and moving averages.

Ratios and Statistics

A look at some key ratios and statistics for the stock. Change tabs to find the relevant ratios. Click on chart icon to view historical analysis of a particular ratio.

	2025 Jul 31	2025 Aug 31	2025 Sept 30	2025 Oct 31	2025 Nov 30	2025 Dec 31	2026 Jan 31	2026 Feb 28	2026 Mar 31	2026 Apr 30	2026 May 31	2026 Jun 30	2026 Jul 03
Multiples
P/E (TTM)	16.75	16.10	17.88	20.20	22.99	22.96	21.51	20.48	18.44	23.75	11.44	12.28	12.85
P/B (latest)	0.69	0.66	0.73	0.83	0.75	0.75	0.73	0.69	0.62	0.80	0.84	0.90	0.94
P/S (TTM)	1.02	0.98	1.09	1.23	1.15	1.15	1.09	1.03	0.93	1.20	1.19	1.28	1.34
CAPE (3Y)	9.29	8.93	9.91	11.20	9.97	9.95	9.41	8.95	8.06	10.39	10.81	11.60	12.14
CAPE (5Y)	20.52	19.73	21.90	24.74	22.27	22.24	19.79	18.84	16.96	21.85	18.60	19.97	20.89
P/E (1Y Forward)	5.50	5.28	6.25	6.77	6.03	5.80	5.78	5.32	4.62	5.95	5.65	5.98	6.33
P/S (1Y Forward)	0.82	0.79	0.84	0.93	0.85	0.83	0.81	0.76	0.67	0.86	0.89	0.94	0.98
Yields (%)
Book to Market	1.46	1.52	1.37	1.21	1.33	1.33	1.38	1.45	1.61	1.25	1.20	1.11	1.06
Earnings yield	5.97%	6.21%	5.59%	4.95%	4.35%	4.36%	4.65%	4.88%	5.42%	4.21%	8.74%	8.14%	7.78%
Operating CF yield	98.25%	102.21%	92.08%	81.50%	74.07%	74.18%	75.40%	79.20%	87.95%	68.28%	37.52%	34.95%	33.41%
FCFE yield	104.98%	109.21%	98.39%	87.09%	94.09%	94.23%	95.77%	100.61%	111.72%	86.73%	56.88%	52.99%	50.65%
FCFF yield	-	-	-	-	-	-	-	-	-	-	-	-	-

Historical Performance

Performance with respect to benchmark. Prices are adjusted for splits, bonus and rights issue.

Show dividend adjusted performance

NIFTY50

NIFTYBANK

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Note: Prices are adjusted for splits, bonus and rights issue.

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Performance summary

	SURYODAY	NIFTY50	NIFTYBANK

Start Period	30 Mar 2021	30 Mar 2021	30 Mar 2021
End Period	03 Jul 2026	03 Jul 2026	03 Jul 2026
Cumulative Return	-32.74%	63.49%	71.04%
CAGR	-7.26%	9.8%	10.74%
Volatility (ann.)	44.64%	13.82%	17.48%
Max Drawdown	-71.45%	-17.23%	-20.91%
RoMaD	-0.1%	0.57%	0.51%
Sharpe	-0.04	0.47	0.46
Sortino	-0.06	0.66	0.64
Sortino/√2	-0.05	0.47	0.45

Style Analysis

Learn more about stock scores

Scores on value, momentum and quality parameters. Change tabs to compare across market, sector, industry.

Value score

96.3 / 100

↑

Suryoday Small Finance Bank Ltd. is undervalued relative to other stocks in the market

What is Value score?

Momentum score

91.9 / 100

↑

Suryoday Small Finance Bank Ltd. has high momentum relative to other stocks in the market

What is Momentum score?

Quality score

71.6 / 100

↑

Suryoday Small Finance Bank Ltd. has high quality relative to other stocks in the market

What is Quality score?

QVM score

99.5 / 100

↑

Suryoday Small Finance Bank Ltd. has high QVM score with respect to other stocks in the market

What is QVM score?

Scorecard

How to read Scorecard?

A comprehensive scorecard to compare Suryoday Small Finance Bank Ltd. on all metrics with other stocks. Access both rank and scores.

	Value	Market (All Stocks in NSE)	Sector (Financial Services)	Industry Group (Banks)	Industry (Other Bank)
Size and Listing
Days since Listing	1,925.00
Enterprise value	2,976 Cr
Market Cap	1,953 Cr
Liquidity
Avg daily turnover 1M	8 Cr
Avg daily volume 1M	4,75,969
Avg daily turnover 3M	10 Cr
Avg daily volume 3M	5,73,198
Bid Ask Spread	1.63%
Delivery Percentage	43.14%
Volume surge ratio	0.83
Ownership
DII Holding %	5.19%
QoQ change DII holding %	-0.18%
FII Holding %	5.23%
QoQ change FII holding %	0.26%
QoQ change Gov holding %	0.00%
Promoter holding %	22.48%
QoQ change Promoter holding %	0.04%
Promoter pledged %	22.35%
Retail Holding %	59.57%
QoQ change Retail holding %	-0.25%

Checklist

What is Checklist?

Analyse how the stock fares on some investment checklists created by legendary investors and gurus. Also, build your own custom checklist.

O'Shaughnessy Tiny Titans

Benjamin Graham's Value

Piotroski F-Score

Dreman contrarian value

Peter Lynch Growth/Value

O'Shaugnessy Value

Templeton Growth/Value

Warren Buffet’s Consistent Compounders

John Neff’s contrarian value

Richard Driehaus Momentum Strategy

O'Shaughnessy Tiny Titans

Created by the famous investor James O'Shaugnessy, this screen/checklist aims to find out small-cap stocks with significant growth potential. We look for companies with market capitalization between Rs 500 cr and Rs 1500 cr that are reasonable valued and are in the top 25 percentile momentum as measured by Momentum score.

60.0 / 100

Suryoday Small Finance Bank Ltd. passes 3 out of 5 of this checklist's rules

Hits

Market Cap is greater than ₹500 crore

One Year Rel Return is greater than 0%

Stock is in top 25.0 percentile, sorted by Price Momentum score in descending order

Misses

Market Cap is less than ₹1500 crore

PS TTM is less than 1

Frequently Asked Questions

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

The Price-to-Book (PB) ratio of Suryoday Small Finance Bank Ltd. is 0.94. It compares the stock's market price to its book value per share.

What is the EV/EBITDA of Suryoday Small Finance Bank Ltd.?

The EV/EBITDA of Suryoday Small Finance Bank Ltd. is 11.14. This ratio is used to assess the overall value of a company relative to its earnings before interest, taxes, depreciation and amortisation.

What is the debt-to-equity ratio of Suryoday Small Finance Bank Ltd.?

The debt-to-equity (D/E) ratio of Suryoday Small Finance Bank Ltd. is 1.50. A lower D/E ratio generally indicates a more financially stable company with less leverage.

What is the promoter holding in Suryoday Small Finance Bank Ltd.?

Promoters hold 22.48% of Suryoday Small Finance Bank Ltd. shares as per the latest quarterly shareholding disclosure, of which 22.35% is pledged — a higher pledged percentage warrants caution as it can be a governance risk signal.

What is the operating profit margin of Suryoday Small Finance Bank Ltd.?

The operating profit margin of Suryoday Small Finance Bank Ltd. is 13.68%, reflecting how much profit the company earns from its core operations relative to revenue.

What is the net profit margin of Suryoday Small Finance Bank Ltd.?

The net profit margin of Suryoday Small Finance Bank Ltd. is 10.42%, indicating the percentage of revenue that remains as profit after all expenses.

What is the Sharpely score for Suryoday Small Finance Bank Ltd.?

On Sharpely's proprietary scoring system, Suryoday Small Finance Bank Ltd. has a Quality Score of 71.6/100, Value Score of 96.3/100 and Price Momentum Score of 91.7/100, with an overall QVM Score of 99.5/100. The quality rating is high, value is high and price momentum is high. Visit the Scorecard and Checklist sections on the Analysis tab for a full breakdown.