SURYODAY
Suryoday Small Finance Bank Limited (SURYODAY) Stock Analysis
Suryoday Small Finance Bank Limited provides banking services to underserved and mass market customers in India. It accepts deposits and lends to micro and small enterprises through branches and digital channels. The company converted from microfinance to a small finance bank. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹148.00
+0.03% 1W | +4.60% 52W
Market Cap
1.6k CR
P/E Ratio
8.2
52W High
₹218
52W Low
₹115.4
Div. Yield
1.02%
Beta
0.6
50 DMA
₹151.1
200 DMA
₹151.2
Profit Margin
13.6%
Inst. Own.
19%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 358 | 375 | 411 | 445 | 488 | 507 | 488 | 471 | 495 | 520 | 544 | 602 | 622 |
| Interest | 133 | 154 | 165 | 174 | 195 | 207 | 220 | 226 | 248 | 261 | 267 | 285 | 307 |
| Expenses | 212 | 205 | 221 | 255 | 271 | 287 | 270 | 352 | 309 | 299 | 310 | 341 | 362 |
| Financing Profit | 12 | 16 | 24 | 15 | 23 | 13 | -2 | -107 | -62 | -41 | -33 | -25 | -46 |
| Financing Margin % | 3% | 4% | 6% | 3% | 5% | 2% | -0% | -23% | -12% | -8% | -6% | -4% | -7% |
| Other Income | 51 | 52 | 52 | 65 | 70 | 47 | 40 | 60 | 109 | 80 | 81 | 90 | 148 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 63 | 68 | 76 | 80 | 93 | 60 | 38 | -47 | 47 | 39 | 48 | 66 | 102 |
| Tax % | 25% | 26% | 25% | 24% | 24% | 25% | 12% | -28% | 25% | 23% | 24% | 24% | 26% |
| Net Profit | 48 | 50 | 57 | 61 | 70 | 45 | 33 | -34 | 35 | 30 | 37 | 50 | 75 |
| EPS in Rs | 4.48 | 4.74 | 5.39 | 5.73 | 6.59 | 4.27 | 3.13 | -3.18 | 3.32 | 2.86 | 3.44 | 4.68 | 7.07 |
| Gross NPA % | 3.04% | 2.90% | 3.06% | 2.94% | 2.84% | 3.03% | 5.53% | 7.16% | 8.46% | 5.93% | 6.69% | 6.55% | 6.60% |
| Net NPA % | 1.63% | 1.46% | 1.42% | 0.86% | 0.47% | 0.80% | 3.13% | 4.58% | 5.64% | 3.80% | 4.35% | 4.21% | 1.27% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 118 | 199 | 244 | 287 | 530 | 767 | 776 | 942 | 1,184 | 1,589 | 1,954 | 2,160 | 2,287 |
| Interest | 55 | 95 | 115 | 123 | 190 | 276 | 366 | 357 | 437 | 626 | 848 | 1,062 | 1,120 |
| Expenses | 37 | 76 | 114 | 181 | 259 | 414 | 460 | 786 | 700 | 843 | 1,124 | 1,191 | 1,312 |
| Financing Profit | 26 | 28 | 15 | -18 | 81 | 77 | -49 | -201 | 47 | 120 | -18 | -93 | -144 |
| Financing Margin % | 22% | 14% | 6% | -6% | 15% | 10% | -6% | -21% | 4% | 8% | -1% | -4% | -6% |
| Other Income | 0 | 1 | 11 | 38 | 67 | 87 | 76 | 94 | 97 | 219 | 217 | 360 | 399 |
| Depreciation | 1 | 1 | 2 | 5 | 6 | 10 | 15 | 19 | 43 | 51 | 56 | 68 | 0 |
| Profit before tax | 25 | 27 | 24 | 16 | 143 | 154 | 12 | -127 | 101 | 288 | 144 | 200 | 255 |
| Tax % | 34% | 0% | 37% | 36% | 37% | 28% | 2% | -27% | 23% | 25% | 20% | 24% | |
| Net Profit | 17 | 27 | 15 | 10 | 90 | 111 | 12 | -93 | 78 | 216 | 115 | 152 | 192 |
| EPS in Rs | 5.11 | 7.16 | 2.36 | 1.50 | 11.08 | 12.84 | 1.12 | -8.76 | 7.32 | 20.34 | 10.82 | 14.30 | 18.05 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 22.0% | 23.0% | 27.0% |
| Profit CAGR | 25.0% | 66.0% | 19.0% |
Shareholding Pattern
Promoters22.43%
FIIs4.68%
DIIs5.93%
Public66.95%
Promoters22.43%
FIIs4.67%
DIIs6.62%
Public66.28%
Promoters22.43%
FIIs4.97%
DIIs6.11%
Public66.48%
Promoters22.48%
FIIs5.23%
DIIs5.72%
Public66.58%
Promoters22.48%
FIIs5.35%
DIIs5.47%
Public66.70%
Promoters23.30%
FIIs1.16%
DIIs20.93%
Public54.61%
Promoters22.40%
FIIs2.90%
DIIs14.04%
Public60.66%
Promoters22.43%
FIIs4.67%
DIIs5.66%
Public67.22%
Promoters22.48%
FIIs5.23%
DIIs5.72%
Public66.58%
Promoters22.48%
FIIs5.35%
DIIs5.47%
Public66.70%
SURYODAY
Holdings Analysis
Key strengths & risk signals
64
Overall
67
Fundamental
62
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 56.35% public ownership - higher volatility risk.
WEAK POSITION! Current price (148.0) is below both moving averages.
BEARISH TREND! 50-day average (151.1) is below 200-day average (151.2) - negative signal.
POSITIVE YEAR! Stock gained 4.6% in the last year.
Strengths (4)
UNDERVALUED! PEG of 0.33 indicates stock is cheap relative to growth.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 227,354 vs down days: 215,092. Ratio: 1.06x
Fundamental & Technical Analysis
64Overall
67Fundamental
62Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 20.0% (VERY GOOD, 13/15). Profit CAGR: 25.1% (EXCELLENT, 15/15).
Profit Margin
5/10
DECENT EFFICIENCY! 13.6% profit margin - acceptable profitability.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.33 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.02% yield - minimal income contribution.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.29 - caution advised.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 56.35% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (151.1) is below 200-day average (151.2) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (148.0) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
4/10
POSITIVE YEAR! Stock gained 4.6% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 227,354 vs down days: 215,092. Ratio: 1.06x
RSI
3/5
NEUTRAL! RSI at 47.3 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 31.8% of 52W range - weakness visible.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 0.0% (1 week), 3.0% (1 month), -17.7% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
SURYODAY
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-29 | Concall PDF | |
| Q2FY262026-01-29 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SURYODAY | ₹148.00 | 8.2 | 13.6% | 20.0% | 25.1% | +4.6% | 64 | BREAKOUT | +113.0% | +51.3% | +30.3% | +14.0% |
| DHANBANK | ₹35.80 | 12.6 | 14.9% | 12.7% | 27.7% | +33.1% | 83 | BREAKOUT | +104.1% | -42.8% | +19.1% | -17.1% |
| CAPITALSFB | ₹273.40 | 8.3 | 29.3% | 14.6% | 14.7% | -1.4% | 62 | APPROACHING SUPPORT | +29.1% | +3.0% | +20.3% | +8.9% |
| FINOPB | ₹134.10 | 53.4 | 1.6% | 15.8% | -6.9% | -59.0% | 52 | BREAKDOWN | -177.0% | -293.0% | -36.1% | -12.7% |
| ESAFSFB | ₹44.30 | – | -0.3% | 6.9% | – | +57.9% | 64 | CONSOLIDATION | -198.6% | +240.9% | +45.3% | +15.7% |
| UTKARSHBNK | ₹13.30 | – | -146.1% | 1.4% | – | -24.7% | 53 | APPROACHING RESISTANCE | -85.8% | -82.0% | +0.2% | +10.1% |
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
Data from TradeAlone · Updated daily
