Suryoday Small Finance Bank, 543279, SURYODAY Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,615.18
8.42
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,023.82
0.99%
0.75

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
-6.21
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

25.97
-
-11.05

PAT CAGR (%)

10 Years
5 Years
3 Years

0.87
0.88

P:E (Median)

8 Years
5 Years
3 Years

-
10.51
11.37

P:BV (Average)

8 Years
5 Years
3 Years

-
0.87
0.88

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
10.22
8.17

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 622.36 495.17 25.69% 601.59 470.58 27.84% 543.87 487.85 11.48% 519.66 507.20 2.46%
Interest Exp. 306.63 248.03 23.63% 285.04 225.92 26.17% 267.06 219.58 21.62% 261.45 207.22 26.17%
Net Interest Income 315.73 247.14 27.75% 316.55 244.66 29.38% 276.81 268.27 3.18% 258.21 299.98 -13.92%
NIM 7.20 7.20 0.00% 7.90 7.80 1.28% 7.30 8.40 -13.10% 6.90 9.70 -28.87%
Other Income 147.86 108.65 36.09% 90.30 60.10 50.25% 80.88 39.55 104.50% 79.84 47.45 68.26%
Total Income 770.22 603.82 27.56% 691.89 530.68 30.38% 624.75 527.40 18.46% 599.50 554.65 8.09%
Operating Exp. 325.03 246.87 31.66% 299.88 258.12 16.18% 268.68 236.46 13.63% 258.90 220.51 17.41%
Operating Profit 138.56 108.92 27.21% 106.97 46.64 129.35% 89.01 71.36 24.73% 79.15 126.92 -37.64%
Provision 36.66 62.09 -40.96% 41.32 93.42 -55.77% 41.22 33.62 22.61% 39.85 66.77 -40.32%
PBT 101.90 46.83 117.60% 65.65 -46.78 - 47.79 37.74 26.63% 39.30 60.15 -34.66%
PBTM 16.37 9.46 73.04% 10.91 -9.94 - 8.79 7.74 13.57% 7.56 11.86 -36.26%
TAX 26.72 11.55 131.34% 15.93 -13.00 - 11.23 4.44 152.93% 8.89 14.76 -39.77%
PAT 75.18 35.28 113.10% 49.72 -33.78 - 36.56 33.30 9.79% 30.41 45.39 -33.00%
PATM 12.08% 7.12% 8.26% -7.18% 6.72% 6.83% 5.85% 8.95%
EPS 7.07 3.32 112.95% 4.68 -3.18 - 3.44 3.13 9.90% 2.86 4.27 -33.02%
Gross NPA 931.15 917.52 1.49% 864.18 733.84 17.76% 790.35 528.95 49.42% 654.96 273.02 139.89%
Gross NPA% 6.60 8.46 -21.99% 6.55 7.16 -8.52% 6.69 5.53 20.98% 5.93 3.03 95.71%
Net NPA 169.55 593.04 -71.41% 541.88 457.02 18.57% 501.06 292.32 71.41% 410.63 70.19 485.03%
Net NPA% 1.27 5.64 -77.48% 4.21 4.58 -8.08% 4.35 3.13 38.98% 3.80 0.80 375.00%
CASA 21.00 17.70 18.64% 22.60 20.90 8.13% 21.20 19.50 8.72% 20.70 17.90 15.64%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 1,167.30 1,098.72 1,106.14 962.23 746.57 584.45 410.50 490.50 338.82 163.73 138.43 Interest Earned 2,287.48 2,160.30 1,953.75 1,588.70 1,183.68 941.82 776.15 766.68 530.11 286.88 253.64 Interest Expended 1,120.18 1,061.58 847.61 626.47 437.11 357.37 365.65 276.18 191.29 123.15 115.21 Int. income Growth 10.12% -0.67% 14.96% 28.89% 27.74% 42.38% -16.31% 44.77% 106.94% 18.28% Other Income 398.88 359.67 217.25 219.38 97.42 93.56 76.40 87.45 66.92 38.04 1.15 Total Income 2,686.36 1,458.39 1,323.39 1,181.61 843.99 678.01 486.90 577.95 405.74 201.77 139.58 Total Expenditure 1,152.49 1,191.31 1,123.97 842.70 699.80 785.70 459.77 414.20 261.77 181.38 113.58 Employee Cost - 512.49 444.23 360.82 242.37 228.16 185.84 171.37 126.67 87.22 62.13 % Of Sales - 23.72% 22.74% 22.71% 20.48% 24.23% 23.94% 22.35% 23.90% 30.40% 24.50% Opt. & Establishment Exp. - 629.34 545.55 418.48 307.49 204.32 157.83 110.53 72.45 48.82 41.80 % Of Sales - 29.13% 27.92% 26.34% 25.98% 21.69% 20.33% 14.42% 13.67% 17.02% 16.48% Provisions - 184.48 245.37 166.10 236.60 391.98 146.16 151.86 73.83 54.66 13.95 % Of Sales - 8.54% 12.56% 10.46% 19.99% 41.62% 18.83% 19.81% 13.93% 19.05% 5.50% EBITDA 413.69 267.08 199.42 338.91 144.19 -107.69 27.13 163.75 143.97 20.39 26.00 EBITDA Margin 49.62% 24.31% 18.03% 35.22% 19.31% -18.43% 6.61% 33.38% 42.49% 12.45% 18.78% Depreciation 0.00 67.50 55.59 51.35 43.33 19.38 15.03 9.78 5.59 4.66 2.15 PBT 254.64 199.57 143.83 287.57 100.86 -127.07 12.10 153.98 138.38 15.74 23.85 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 62.77 47.60 28.87 71.61 23.17 -34.04 0.24 43.04 51.78 5.61 8.75 Tax Rate 24.65% 23.85% 20.07% 24.90% 22.97% 26.79% 1.98% 27.95% 37.42% 35.64% 36.69% PAT 191.87 151.97 114.96 215.96 77.69 -93.03 11.86 110.94 86.60 10.13 15.10 PAT before Minority Interest 191.87 151.97 114.96 215.96 77.69 -93.03 11.86 110.94 86.60 10.13 15.10 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 12.25% 10.42% 8.69% 18.28% 9.21% -13.72% 2.44% 19.20% 21.34% 5.02% 10.82% PAT Growth 139.27% 32.19% -46.77% 177.98% 0 -884.40% -89.31% 28.11% 754.89% -32.91% EPS 18.05 14.30 10.81 20.32 7.31 -8.75 1.12 10.44 8.15 0.95 1.42

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 2,078.32 1,927.09 1,804.96 1,584.73 1,505.12 1,596.90 1,066.23 880.63 539.76 500.57 Share Capital 106.29 106.28 106.20 106.16 106.16 106.13 86.59 81.58 67.50 64.06 Total Reserves 1,961.86 1,808.83 1,688.66 1,469.79 1,389.75 1,480.66 972.53 794.42 468.86 435.54 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 13,994.04 10,579.61 7,777.27 5,166.72 3,853.88 3,255.68 2,848.71 1,593.43 749.52 22.06 Borrowings 3,122.36 2,710.29 2,442.98 2,765.41 2,551.34 1,666.62 1,264.62 1,124.23 717.83 1,021.58 Other Liabilities & Provisions 689.23 397.40 352.48 344.36 269.85 192.79 184.96 163.18 156.39 60.00 Total Liabilities 19,883.95 15,614.39 12,377.69 9,861.22 8,180.19 6,711.99 5,364.52 3,761.47 2,163.50 1,604.21 Net Block 293.17 155.61 152.18 163.15 66.03 34.95 30.49 17.59 12.71 5.85 Gross Block 555.62 354.77 299.43 259.24 124.25 73.98 54.96 32.96 22.98 11.56 Accumulated Depreciation 262.45 199.16 147.25 96.08 58.22 39.03 24.47 15.37 10.27 5.71 Total Non-Current Assets 18,968.13 15,111.35 12,026.14 9,574.88 7,901.50 6,496.33 5,216.47 3,639.31 2,106.99 1,555.28 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 4.87 134.53 16.62 1.33 49.22 8.27 8.24 1.39 0.83 1.93 Cash and balance with RBI 1,713.72 1,466.14 813.78 784.23 607.45 102.80 60.53 48.30 30.82 26.67 Balance with banks and money at call 385.05 243.24 366.29 40.93 370.24 493.84 777.07 228.06 176.34 107.25 Investments 3,692.56 3,137.48 2,599.30 2,570.19 2,057.68 1,873.70 808.20 664.39 311.34 593.93 Advances 12,878.76 9,974.35 8,077.97 6,015.05 4,750.88 3,982.77 3,531.94 2,679.58 1,574.95 819.65 Other Assets 915.82 503.03 351.55 286.35 278.68 215.66 148.05 122.15 56.51 48.92 Total Assets 19,883.95 15,614.38 12,377.69 9,861.23 8,180.18 6,711.99 5,364.52 3,761.46 2,163.50 1,604.20 Contingent Liabilities 5.42 20.76 4.38 22.29 4.15 4.75 4.62 28.54 7.79 8.78 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 194.58 180.19 169.01 148.45 140.91 149.51 122.31 107.38 79.46 77.98

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15
Cash From Operating Activity 652.33 1,319.98 934.73 -97.70 -346.51 -876.34 525.82 -455.66 -253.85 PBT 199.57 143.83 287.57 100.86 -127.06 12.10 153.97 41.81 25.49 Adjustment 262.91 252.76 224.84 293.32 423.34 192.10 168.78 3.54 1.26 Adjustments for Liabilities & Assets 247.61 982.46 436.59 -493.21 -627.43 -1,050.45 271.37 -485.08 -270.86 Refund/(Payment) of direct taxes -57.76 -59.06 -14.27 1.34 -15.36 -30.09 -68.31 -15.93 -9.74 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -791.57 -1,058.99 -263.36 -265.70 -157.60 -279.97 -166.76 7.45 2.72 Net Fixed Assets -71.19 -173.25 -55.48 -87.10 -91.22 -19.05 -57.20 -2.09 Other Investment Activity -1619.48 -752.66 -581.75 -418.17 -453.44 -249.01 -55.75 -3.28 Cash from Financing Activity 412.13 268.32 -321.92 213.47 885.04 914.95 210.06 399.41 322.94 Closing Cash & Equivalent 1,975.85 1,702.95 1,173.64 824.18 974.11 593.19 834.55 76.71 125.51 Net Cash Inflow / Outflow 272.90 529.31 349.45 -149.93 380.92 -241.36 569.12 -48.80 71.81 Opening Cash & Equivalents 1,702.95 1,173.64 824.18 974.11 593.19 834.55 265.43 125.51 53.70

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Book Value 194.58 180.19 169.01 148.45 140.91 149.51 122.31 32.66 27.32 21.20 NIM 5.88 7.46 8.12 7.93 7.51 6.36 9.47 0.00 0.00 0.00 Yield on Advances 16.77 19.59 19.67 19.68 19.82 19.49 21.71 0.00 0.00 0.00 Yield on Investments 6.16 6.59 7.15 4.45 5.13 4.85 7.42 0.00 0.00 0.00 Cost of Liabilities 6.20 6.38 6.13 5.51 5.58 7.43 6.71 0.00 0.00 0.00 Interest Spread 10.57 13.21 13.54 14.17 14.24 12.06 14.99 0.00 0.00 0.00 ROCE 7.72% 7.19% 11.06% 6.26% 0.05% 4.98% 11.46% 14.26% 9.57% 7.44% Cost Income Ratio 73.67 70.59 61.61 60.02 60.93 67.50 47.08 0.00 0.00 0.00 Core Cost Income Ratio 74.33 71.03 61.75 57.60 60.39 68.41 47.67 0.00 0.00 0.00 Operating Costs to Assets 5.40 5.98 5.88 5.14 5.05 4.90 5.07 0.00 0.00 0.00 Loans/Deposits 0.22 0.26 0.31 0.54 0.66 0.51 0.44 0.00 0.00 0.00 Cash/Deposits 0.12 0.14 0.10 0.15 0.16 0.03 0.02 0.00 0.00 0.00 Investment/Deposits 0.26 0.30 0.33 0.50 0.53 0.58 0.28 0.00 0.00 0.00 Inc Loan/Deposits 22.31% 25.62% 31.41% 53.52% 66.20% 51.19% 44.39% 0.00% 0.00% 0.00% Credit Deposits 92.03% 94.28% 103.87% 116.42% 123.28% 122.33% 123.98% 0.00% 0.00% 0.00% Interest Expended / Interest earned 49.14% 43.38% 39.43% 36.93% 37.94% 47.11% 36.02% 0.00% 0.00% 0.00% Interest income / Total funds 10.86% 12.51% 12.84% 12.00% 11.51% 11.56% 14.29% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.34% 5.43% 5.06% 4.43% 4.37% 5.45% 5.15% 0.00% 0.00% 0.00% CASA 22.60% 20.91% 20.13% 17.11% 18.79% 15.44% 11.45% 0.00% 0.00% 0.00%

Top Investors:

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deg-deutsche investitions -und entwicklungsgesells

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mukul mahavir agrawal

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akm systems private limited

bandhan small cap fund

Annual Reports:

News Update:

Suryoday Small Finance Bank reports over 2-fold jump in Q1 net profit
24th Jul 2026, 12:19 PM

The total income of the bank has increased by 27.56% at Rs 770.22 crore for Q1FY27
Read More
Suryoday Small Fin. - Quarterly Results
24th Jul 2026, 00:00 AM

Read More

Suryoday Small Finance Bank Ltd.

Bank - Private

BSE: 543279 | NSE: SURYODAY

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Suryoday Small Finance Bank Ltd.

Bank - Private

BSE: 543279 | NSE: SURYODAY

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: