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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,609.23
20.48
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,853.37
N/A
0.84

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
2.69
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

15.40
57.50
13.95

PAT CAGR (%)

10 Years
5 Years
3 Years

0.95
0.90

P:E (Median)

8 Years
5 Years
3 Years

-
-
9.20

P:BV (Average)

8 Years
5 Years
3 Years

-
-
0.90

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
9.26

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 495.17 488.12 1.44% 470.58 444.66 5.83% 487.85 410.71 18.78% 507.20 375.24 35.17%
Interest Exp. 248.03 194.89 27.27% 225.92 173.88 29.93% 219.58 165.02 33.06% 207.22 154.18 34.40%
Net Interest Income 247.14 293.23 -15.72% 244.66 270.78 -9.65% 268.27 245.69 9.19% 299.98 221.06 35.70%
NIM 7.20 10.00 -28.00% 7.80 10.10 -22.77% 8.40 9.80 -14.29% 9.70 9.40 3.19%
Other Income 108.65 70.15 54.88% 60.10 64.70 -7.11% 39.55 51.90 -23.80% 47.45 51.75 -8.31%
Total Income 603.82 558.27 8.16% 530.68 509.36 4.19% 527.40 462.61 14.01% 554.65 426.99 29.90%
Operating Exp. 246.87 219.10 12.67% 258.12 207.15 24.61% 236.46 183.43 28.91% 220.51 178.46 23.56%
Operating Profit 108.92 144.28 -24.51% 46.64 128.33 -63.66% 71.36 114.16 -37.49% 126.92 94.35 34.52%
Provision 62.09 51.56 20.42% 93.42 48.16 93.98% 33.62 37.86 -11.20% 66.77 26.67 150.36%
PBT 46.83 92.72 -49.49% -46.78 80.17 - 37.74 76.30 -50.54% 60.15 67.68 -11.13%
PBTM 9.46 19.00 -50.21% -9.94 18.03 - 7.74 18.58 -58.34% 11.86 18.04 -34.26%
TAX 11.55 22.66 -49.03% -13.00 19.33 - 4.44 19.08 -76.73% 14.76 17.38 -15.07%
PAT 35.28 70.06 -49.64% -33.78 60.84 - 33.30 57.22 -41.80% 45.39 50.30 -9.76%
PATM 7.12% 14.35% -7.18% 13.68% 6.83% 13.93% 8.95% 13.40%
EPS 3.32 6.59 -49.62% -3.18 5.73 - 3.13 5.39 -41.93% 4.27 4.74 -9.92%
Gross NPA 917.52 240.99 280.73% 733.84 242.37 202.78% 528.95 223.26 136.92% 273.02 197.73 38.08%
Gross NPA% 8.46 2.84 197.89% 7.16 2.94 143.54% 5.53 3.06 80.72% 3.03 2.90 4.48%
Net NPA 593.04 38.91 1,424.13% 457.02 69.87 554.10% 292.32 102.01 186.56% 70.19 97.94 -28.33%
Net NPA% 5.64 0.47 1,100.00% 4.58 0.86 432.56% 3.13 1.42 120.42% 0.80 1.46 -45.21%
CASA 17.70 17.70 0.00% 20.90 20.10 3.98% 19.50 18.50 5.41% 17.90 15.70 14.01%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15 Mar 14 Mar 13
Net Interest Income 1,060.05 1,106.14 962.23 746.57 584.45 410.50 490.50 -94.80 -55.06 -28.40 -9.45 Interest Earned 1,960.80 1,953.75 1,588.70 1,183.68 941.82 776.15 766.68 0.00 0.00 0.00 0.00 Interest Expended 900.75 847.61 626.47 437.11 357.37 365.65 276.18 94.80 55.06 28.40 9.45 Int. income Growth 2.84% 14.96% 28.89% 27.74% 42.38% -16.31% 617.41% -72.18% -93.87% -200.53% Other Income 255.75 217.25 219.38 97.42 93.56 76.40 87.45 11.28 7.73 4.24 2.60 Total Income 2,216.55 1,323.39 1,181.61 843.99 678.01 486.90 577.95 -83.52 -47.33 -24.16 -6.85 Total Expenditure 961.96 1,123.97 842.70 699.80 785.70 459.77 414.20 -34.08 -19.72 -8.94 3.39 Employee Cost - 444.23 360.82 242.37 228.16 185.84 171.37 41.79 24.52 13.61 8.59 % Of Sales - 22.74% 22.71% 20.48% 24.23% 23.94% 22.35% 0 0 0 0 Opt. & Establishment Exp. - 545.55 418.48 307.49 204.32 157.83 110.53 -79.53 -45.51 -23.79 -6.04 % Of Sales - 27.92% 26.34% 25.98% 21.69% 20.33% 14.42% 0 0 0 0 Provisions - 245.37 166.10 236.60 391.98 146.16 151.86 6.34 3.65 1.98 1.42 % Of Sales - 12.56% 10.46% 19.99% 41.62% 18.83% 19.81% 0 0 0 0 EBITDA 353.84 199.42 338.91 144.19 -107.69 27.13 163.75 34.08 19.72 8.94 -3.39 EBITDA Margin 50.94% 18.03% 35.22% 19.31% -18.43% 6.61% 33.38% 0 0 0 0 Depreciation 0.00 55.59 51.35 43.33 19.38 15.03 9.78 1.34 1.19 0.37 0.29 PBT 97.94 143.83 287.57 100.86 -127.07 12.10 153.98 41.81 25.49 12.88 2.86 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 17.75 28.87 71.61 23.17 -34.04 0.24 43.04 14.37 8.64 4.06 0.91 Tax Rate 18.12% 20.07% 24.90% 22.97% 26.79% 1.98% 27.95% 34.37% 33.90% 31.52% 31.82% PAT 80.19 114.96 215.96 77.69 -93.03 11.86 110.94 27.44 16.85 8.82 1.95 PAT before Minority Interest 80.19 114.96 215.96 77.69 -93.03 11.86 110.94 27.44 16.85 8.82 1.95 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 6.09% 8.69% 18.28% 9.21% -13.72% 2.44% 19.20% 0 0 0 0 PAT Growth -66.37% -46.77% 177.98% 0 -884.40% -89.31% 304.30% 62.85% 91.04% 352.31% EPS 7.54 10.81 20.32 7.31 -8.75 1.12 10.44 2.58 1.59 0.83 0.18

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Shareholder's Funds 1,927.09 1,804.96 1,584.73 1,505.12 1,596.90 1,066.23 87.49 64.12 28.69 Share Capital 106.28 106.20 106.16 106.16 106.13 86.59 26.70 23.37 13.43 Total Reserves 1,808.83 1,688.66 1,469.79 1,389.75 1,480.66 972.53 60.50 40.48 15.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 10,579.61 7,777.27 5,166.72 3,853.88 3,255.68 2,848.71 0.00 0.00 0.00 Borrowings 2,710.29 2,442.98 2,765.41 2,551.34 1,666.62 1,264.62 0.00 0.00 0.00 Other Liabilities & Provisions 397.40 352.48 344.36 269.85 192.79 184.96 0.00 0.00 0.00 Total Liabilities 15,614.39 12,377.69 9,861.22 8,180.19 6,711.99 5,364.52 87.49 64.12 28.69 Net Block 155.61 152.18 163.15 66.03 34.95 30.49 1.04 0.71 0.36 Gross Block 354.77 299.43 259.24 124.25 73.98 54.96 2.10 1.43 0.85 Accumulated Depreciation 199.16 147.25 96.08 58.22 39.03 24.47 1.05 0.72 0.49 Total Non-Current Assets 15,111.35 12,026.14 9,574.88 7,901.50 6,496.33 5,216.47 99.42 45.21 21.13 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 134.53 16.62 1.33 49.22 8.27 8.24 0.00 0.00 0.05 Cash and balance with RBI 1,466.14 813.78 784.23 607.45 102.80 60.53 0.00 0.00 0.00 Balance with banks and money at call 243.24 366.29 40.93 370.24 493.84 777.07 0.00 0.00 0.00 Investments 3,137.48 2,599.30 2,570.19 2,057.68 1,873.70 808.20 98.38 44.50 20.72 Advances 9,974.35 8,077.97 6,015.05 4,750.88 3,982.77 3,531.94 0.00 0.00 0.00 Other Assets 503.03 351.55 286.35 278.68 215.66 148.05 0.00 0.00 0.00 Total Assets 15,614.38 12,377.69 9,861.23 8,180.18 6,711.99 5,364.52 99.42 45.21 21.13 Contingent Liabilities 20.76 4.38 22.29 4.15 4.75 4.62 6.57 13.51 13.25 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 180.19 169.01 148.45 140.91 149.51 122.31 32.66 27.32 21.20

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Cash From Operating Activity 1,319.98 934.73 -97.70 -346.51 -876.34 525.82 -71.00 -6.78 12.75 PBT 143.83 287.57 100.86 -127.06 12.10 153.97 12.88 2.86 0.65 Adjustment 252.76 224.84 293.32 423.34 192.10 168.78 -1.73 -0.98 4.83 Adjustments for Liabilities & Assets 982.46 436.59 -493.21 -627.43 -1,050.45 271.37 -78.60 -6.74 7.81 Refund/(Payment) of direct taxes -59.06 -14.27 1.34 -15.36 -30.09 -68.31 -3.55 -1.93 -0.54 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 -1,058.99 -263.36 -265.70 -157.60 -279.97 -166.76 3.77 -0.02 0.28 Net Fixed Assets -173.25 -55.48 -87.10 -91.22 -19.05 -61.10 -0.67 -0.53 Other Investment Activity -752.66 -581.75 -418.17 -453.44 -249.01 -59.43 -2.12 -1.15 Cash from Financing Activity 268.32 -321.92 213.47 885.04 914.95 210.06 78.63 33.42 -3.63 Closing Cash & Equivalent 1,702.95 1,173.64 824.18 974.11 593.19 834.55 53.70 42.29 15.68 Net Cash Inflow / Outflow 529.31 349.45 -149.93 380.92 -241.36 569.12 11.40 26.61 9.40 Opening Cash & Equivalents 1,173.64 824.18 974.11 593.19 834.55 265.43 42.30 15.68 6.28

Financial Ratios

Standalone

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

Top Investors:

1729 capital

responsability participations mauritius

gaja capital fund ii limited

evolvence india fund ii ltd

deg-deutsche investitions -und entwicklungsgesellschaft mbh

teachers insurance and annuity association of america

mukul mahavir agrawal

hdfc life insurance company limited

sbi life insurance co. ltd

icici prudential life insurance company limited

Annual Reports:

News Update:

Suryoday Small Finance Bank inks pact with Paytm to launch ‘Postpaid’ on UPI
17th Sep 2025, 15:59 PM

This innovation enables consumers with instant short-term credit and offers the convenience of ‘Spend Now, Pay Next Month’
Read More
Suryoday Small Finan - Quarterly Results
24th Jul 2025, 18:18 PM

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: