Banks
Valuation | |
|---|---|
| Market Cap | 1.5 kCr |
| Price/Earnings (Trailing) | 13.01 |
| Price/Sales (Trailing) | 0.66 |
| EV/EBITDA | 1.45 |
| Price/Free Cashflow | 1.14 |
| MarketCap/EBT | 19.47 |
| Enterprise Value | 1.5 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -1% |
| Price Change 1M | 4.5% |
| Price Change 6M | 0.40% |
| Price Change 1Y | 7% |
| 3Y Cumulative Return | 7.8% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -1.06 kCr |
| Cash Flow from Operations (TTM) |
| Revenue (TTM) |
| 2.26 kCr |
| Rev. Growth (Yr) | 8.1% |
| Earnings (TTM) | 65.21 Cr |
| Earnings Growth (Yr) | -33% |
Profitability | |
|---|---|
| Operating Margin | 14% |
| EBT Margin | 3% |
| Return on Equity | 0.51% |
| Return on Assets | 0.39% |
| Free Cashflow Yield | 88.04% |
| Cash Flow from Financing (TTM) | 268.32 Cr |
| Free Cash Flow (TTM) | 1.32 kCr |
| Free Cash Flow/Share (TTM) | 124.19 |
Balance Sheet | |
|---|---|
| Total Assets | 16.6 kCr |
| Shareholder Equity | 15.61 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.92 |
| Interest/Cashflow Ops | 2.47 |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.10% |
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Past Returns: In past three years, the stock has provided 7.8% return compared to 12.5% by NIFTY 50.
Dividend: Stock hasn't been paying any dividend.
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Past Returns: In past three years, the stock has provided 7.8% return compared to 12.5% by NIFTY 50.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 44.51 |
| RSI (5d) | 26.26 |
| RSI (21d) | 56.97 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Buy |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of Suryoday Small Finance Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management provided an outlook indicating a stable recovery trajectory for the second half of FY26, with expected advancements in asset quality and profitability. Key points include:
Growth Expectations: The management targets a growth in gross advances of approximately 30% for FY26, despite the first half showing an 18.9% increase year-on-year, with gross advances at Rs.11,124 crore as of September 30, 2025.
Disbursements: Total disbursements for the half year reached Rs.3,973 crore, a growth of 18.1% YoY. In Q2 alone, Vikas loan disbursements hit Rs.905 crore, reflecting a 111% YoY increase.
Asset Quality: The GNPA ratio stood at 5.9% as compared to 2.9% the previous year, with management confirming effective measures under the CGFMU scheme to enhance capital protection and improve collection efficiency, achieving a collection efficiency of 99.5% for loans originated in the last 12 months.
Capital Adequacy and Equity Raise: The bank maintains a strong capital adequacy ratio of 23.4%, with discussions around a potential capital raise of Rs.1,000 crore acknowledged as an enabling provision. This is not expected to occur below book value.
Profitability Targets: The management aims to achieve a return on assets (ROA) of around 1.2% to 1.6%, with an increase in pre-provisioning operating profit expected from improving collection rates and reducing credit costs.
Digital Strategy: The focus will be on enhancing digital channels, with digitally sourced deposits crossing Rs.1,300 crore, expected to impact growth positively as customer acquisition costs remain lower than traditional channels.
Overall, the management's strategy centers on stabilizing asset quality while continuing to expand its retail and commercial vehicle lending, despite the current economic headwinds in the inclusive finance sector.
Understand Suryoday Small Finance Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| BASKAR BABU RAMACHANDRAN | 5.18% |
| SUNAINA PAI OCALAN | 4.18% |
| SHEELA PAI COLE | 4.18% |
| RESPONSABILITY PARTICIPATIONS MAURITIUS | 3.58% |
| GAJA CAPITAL FUND II LIMITED | 3.46% |
| EVOLVENCE INDIA FUND II LTD | 3.45% |
| P S JAGDISH | 3.32% |
Detailed comparison of Suryoday Small Finance Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| AUBANK | AU Small Finance Bank | 76.51 kCr | 20.18 kCr | +3.60% | +69.90% | 28.1 | 3.79 | - | - |
| CREDITACC | CreditAccess Grameen | 20.77 kCr |
Comprehensive comparison against sector averages
SURYODAY metrics compared to Banks
| Category | SURYODAY | Banks |
|---|---|---|
| PE | 13.01 | 14.56 |
| PS | 0.66 | 1.86 |
| Growth | 8.5 % | 5.3 % |
Suryoday Small Finance Bank Limited operates as a small finance bank primarily serving the unserved and underserved with a focus on financial inclusion in India. It operates through Treasury, Retail Banking, Corporate Banking/Wholesale, and Other Banking Operation segments. The company accepts savings and current accounts, term and fixed deposits, and recurring deposits. It also provides finance for mortgage and commercial vehicles; micro finance loans; working capital and personal loans; and loans to micro, small, and medium enterprises, as well as loans to non-banking finance companies. In addition, the company offers home, secured business, joint liability group, two-wheeler, and individual loans; and emergency credit line guarantee schemes. Further, it provides debit cards; NRI banking services; internet, phone, and mobile banking services, as well as other digital payment solutions; life and general insurance services; and social security schemes. The company was incorporated in 2008 and is based in Navi Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
SURYODAY vs Banks (2022 - 2026)
Question 1: "Can we know what was the reason for such a drop in other income?"
Answer: The decline in other income to Rs.80 crore from Rs.109 crore was mainly due to two factors: a reduction in PSLC income, which dropped from Rs.32 crore to Rs.10 crore due to seasonal fluctuations, and a one-time gain of Rs.13 crore recorded in Q1 from an investment sale, which did not repeat in Q2.
Question 2: "How confident are we to achieve ROA of 1.5% to 1.6% this financial year?"
Answer: Currently, we are targeting an ROA of around 1.2%. While the first half's profit was only Rs.60-65 crore, we believe our recovery efforts and focus on recent NPA pools will help us achieve this target, although it may be challenging.
Question 3: "What was the collection efficiency for October?"
Answer: In October, the overall collection efficiency was approximately 98.5%, while for the portfolio originated in the last 12 months, it was an impressive 99.5%. Our strategy has effectively minimized early-stage defaults.
Question 4: "We are going to raise equity of about Rs.1,000 crore; will this be below book value?"
Answer: This provision is enabling and does not indicate an immediate plan to raise capital. Pricing for any potential raise hasn't been determined yet, but feedback on pricing is duly noted as we keep shareholder interests in mind.
Question 5: "How will disbursements improve in the second half given current figures?"
Answer: We expect to accelerate disbursements, targeting around Rs.450 to Rs.500 crore per month consistently for the upcoming months due to improved approval flows and backlog management.
Question 6: "Will the cost of funds continue to decrease from 7.8%?"
Answer: Yes, we anticipate our cost of funds to decrease by around Rs.0.20 to Rs.0.25 in the second half due to reductions in both savings and fixed deposit rates, which will positively affect our NIMs.
Question 7: "What is the split of write-offs and slippages between secured and unsecured?"
Answer: The write-off this quarter was predominantly from MFI loans associated with CGFMU claims, with minor amounts from commercial vehicles. For gross slippages, MFI slippages were Rs.170 crore, while total bank-level slippages were Rs.206 crore.
Question 8: "What is the expected impact of the Paytm partnership on our disbursement?"
Answer: We expect that the Paytm partnership will significantly enhance our offerings and customer base in digital lending. Currently, we have 50,000 customers with a total sanction limit of Rs.50 crore, which we see scaling up considerably over time.
Question 9: "Where do you see GNPA and NNPA ratios by year-end?"
Answer: We are targeting GNPA of around 5% and NNPA close to 3%. Given the successful claims under CGFMU, we expect continued improvement and effective management of NPAs in the coming quarters.
These insights reflect strategic focuses and future expectations based on the current fiscal environment.
| DEG-DEUTSCHE INVESTITIONS -UND ENTWICKLUNGSGESELLS | 3.3% |
| TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA | 3.27% |
| P SURENDRA PAI | 2.28% |
| SAVITA SURENDRA PAI | 2.01% |
| HDFC LIFE INSURANCE COMPANY LIMITED | 2% |
| SBI LIFE INSURANCE CO. LTD | 1.89% |
| ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED | 1.31% |
| KIRAN VYAPAR LIMITED | 1.09% |
| BANDHAN SMALL CAP FUND | 1.01% |
| AKM SYSTEMS PRIVATE LIMITED | 1.01% |
| PERUVAMBA ENGINEERING LLP | 0.78% |
| GEALGEO VARGHESE ALANKARA | 0.51% |
Distribution across major stakeholders
Distribution across major institutional holders
| 5.76 kCr |
| +1.70% |
| +43.40% |
| 155.43 |
| 3.61 |
| - |
| - |
| UJJIVANSFB | Ujjivan Small Finance Bank | 11.69 kCr | 7.41 kCr | +11.00% | +75.30% | 13.02 | 1.58 | - | - |
| EQUITASBNK | Equitas Small Finance Bank | 7.86 kCr | 7.51 kCr | +19.00% | -6.70% | 49.08 | 1.05 | - | - |
| UTKARSHBNK | UTKARSH SMALL FINANCE BANK | 2.6 kCr | 4.16 kCr | -1.20% | -52.70% | 107.33 | 0.62 | - | - |
| 132 |
| 132 |
| 142 |
| 131 |
| 111 |
| 105 |
| Operating expenses | 4.9% | 259 | 247 | 258 | 236 | 221 | 219 |
| Operating profit | -27.8% | 79 | 109 | 47 | 71 | 127 | 144 |
| Provisions other than tax and contingencies | -36.1% | 40 | 62 | 93 | 34 | 67 | 52 |
| Profit before tax | -17.4% | 39 | 47 | -46.78 | 38 | 60 | 93 |
| Tax expense | -28.3% | 8.89 | 12 | -13 | 4.44 | 15 | 23 |
| Profit after tax | -14.7% | 30 | 35 | -33.78 | 33 | 45 | 70 |
| Net profit (loss) for the period | -14.7% | 30 | 35 | -33.78 | 33 | 45 | 70 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -1.5% | 0.2236 | 0.235 | 0.2445 | 0.2528 | 0.235 | 0.2571 |
| Additional tier 1 ratio | -0.1% | 0.0105 | 0.0111 | 0 | 0 | 0 | 0 |
| Gross non performing assets | -28.7% | 655 | 918 | 734 | 529 | 273 | 241 |
| Non performing assets | -30.7% | 411 | 593 | 457 | 292 | 70 | 39 |
| Return on assets | 0% | 019 | 022 | -023 | 024 | 0 | 056 |
Analysis of Suryoday Small Finance Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.