Suryoday Small Finance Bank

Suryoday Small Finance Bank

127.80
+1.39
(1.10%)
Market Cap
1,343.50 Cr
EPS
10.82
PE Ratio
16.81
Dividend Yield
0.00 %
Industry
Banks
52 Week High
205.25
52 Week Low
97.97
PB Ratio
0.69
Debt to Equity
0.00
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from1 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %

Company News

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positive
Suryoday Small Finance Bank reported gross advances of ₹10,846 crore with 20% year-on-year growth and deposits of ₹11,312 crore with 39% year-on-year growth for Q1 FY26. The bank's GNPA stood at 8.5% and NNPA at 5.6%, with ₹584 crore receivable under the CGFMU scheme covering almost 100% of GNPA along with existing provisions. Digital deposits reached ₹1,000 crore with a daily run rate of ₹3 crore. The bank experienced slippages of ₹278 crore compared to ₹308 crore in the previous quarter. Current bucket collection efficiency improved from 97.5% in April to 98.4% in June 2025. Management expects credit costs of around 1.2% for the year and anticipates slippages to reduce by ₹50-70 crore in the next quarter. The bank maintains a 55-45 mix between secured and unsecured assets, with retail deposits comprising 82% of the deposit base.
Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
741.05
#1 55,238.20
25.30
1,446.00
19.10
#1 761
#1 15.58
40.26
43.22
8,567.20
16.21
#1 7,200.60
11.40
726
-65.73
33.54
57.05
6,757.40
45.88
6,311.73
30.09
147
-79.72
26.00
460.10
4,984.80
11.56
4,709.79
26.60
501
-40.27
40.16
21.91
2,411.40
99.45
3,764.93
27.62
24
-98.12
31.99
31.21
1,605.60
19.65
3,862.22
35.61
-521
-523.09
38.90
303.70
1,377.50
#1 10.30
994.50
15.32
132
6.67
53.40
127.80
#8 1,343.50
#4 16.81
#6 1,953.75
#1 41.14
#6 115
#4 -49.64
34.96

Automatic Screeners on ScanX

Forecast
Actual
Growth Rate
Revenue Growth
41.14 %
Net Income Growth
177.99 %
Cash Flow Change
1,056.73 %
ROE
144.08 %
ROCE
35.16 %
EBITDA Margin (Avg.)
17.65 %

Yearly Financial Results

Annual Financials
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
Revenue
200
255
325
597
854
853
1,035
1,281
1,808
1,954
2,217
Expenses
62
114
181
259
414
460
786
700
843
1,180
1,218
EBITDA
43
26
20
148
164
27
-108
144
339
0
98
Operating Profit %
69 %
53 %
37 %
51 %
46 %
41 %
17 %
41 %
47 %
40 %
38 %
Depreciation
1
2
5
6
10
15
19
43
51
0
0
Interest
95
115
123
190
276
366
357
437
627
848
901
Profit Before Tax
42
24
16
143
154
12
-127
101
288
144
98
Tax
14
9
6
52
43
0
-34
23
72
29
18
Net Profit
27
15
10
90
111
12
-93
78
216
115
80
EPS in ₹
7.59
3.01
1.55
13.35
13.38
1.32
-8.76
7.32
20.34
10.82
7.50

Balance Sheet

Balance Sheet
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
1,193
1,604
2,164
3,761
5,365
6,712
8,180
9,861
12,378
3,428
Fixed Assets
2
6
13
18
31
35
66
163
152
290
Current Assets
203
175
251
374
943
751
1,150
1,014
1,481
0
Capital Work in Progress
0
2
1
1
8
8
49
1
17
0
Investments
0
594
311
664
808
1,874
2,058
2,570
2,599
3,138
Other Assets
1,190
1,003
1,839
3,078
4,518
4,795
6,007
7,127
9,610
0
Total Liabilities
1,193
1,604
2,164
3,761
5,365
6,712
8,180
9,861
12,378
3,428
Current Liabilities
39
60
156
163
185
193
270
344
353
0
Non Current Liabilities
1,154
1,544
2,007
3,598
5,180
6,519
7,910
9,517
12,025
1,725
Total Equity
198
501
540
880
1,066
1,597
1,505
1,585
1,805
1,915
Reserve & Surplus
159
437
472
799
980
1,491
1,399
1,479
1,699
1,809
Share Capital
38
64
68
82
87
106
106
106
106
106

Cash Flow

Cash Flow
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Net Cash Flow
27
11
72
47
-1
88
97
569
-241
381
-150
350
Investing Activities
0
4
3
-2
-120
-84
-14
-167
-280
-158
-266
-263
Operating Activities
-7
-71
-145
-350
-231
458
-545
526
-876
-347
-98
935
Financing Activities
33
79
214
399
350
-285
655
210
915
885
214
-322

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
28.02 %
28.02 %
28.01 %
28.01 %
28.01 %
28.01 %
28.01 %
23.30 %
23.30 %
23.30 %
22.40 %
22.40 %
22.40 %
22.39 %
22.30 %
22.30 %
22.44 %
22.44 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
2.16 %
0.00 %
2.91 %
3.02 %
3.50 %
4.80 %
4.67 %
4.68 %
DIIs
16.37 %
17.08 %
15.89 %
15.74 %
15.36 %
14.17 %
22.52 %
22.19 %
20.93 %
18.67 %
18.38 %
13.00 %
14.04 %
12.65 %
8.00 %
5.89 %
5.66 %
5.93 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
12.83 %
13.63 %
14.75 %
15.17 %
15.66 %
17.23 %
17.56 %
22.44 %
25.06 %
27.33 %
28.76 %
29.13 %
32.28 %
34.18 %
38.84 %
39.83 %
41.42 %
40.73 %
Others
42.78 %
41.27 %
41.35 %
41.08 %
40.97 %
40.59 %
31.92 %
32.07 %
30.71 %
30.69 %
28.30 %
35.46 %
28.37 %
27.77 %
27.35 %
27.18 %
25.81 %
26.22 %
No of Share Holders
0
2,147
1,12,566
1,04,036
98,134
95,101
94,811
95,459
94,321
94,136
94,848
94,235
96,276
1,03,356
1,08,301
1,10,197
1,08,734
1,04,927

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
24 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Jul 2025 140.21 139.80
08 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
08 May 2025 138.35 127.38
23 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Jan 2025 138.87 131.75
24 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Oct 2024 169.80 156.10
12 Sept 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
12 Sept 2024 197.31 184.31
30 Sept 2015 CHANGE OF NAME Change Of Name
NA
30 Sept 2015 0.00 0.00

Announcements

Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 20151 day ago
Intimation Under Regulation 30 Of The SEBI (LODR) Regulations 2015 - Imposition Of Penalty By Sectoral Regulator2 days ago
Announcement under Regulation 30 (LODR)-Earnings Call Transcript3 days ago
Intimation Of Receipt Of Approval Of The Reserve Bank Of India For The Appointment Of Statutory Auditors Of The Bank.4 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication6 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome7 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation8 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release8 days ago
Board Meeting Outcome for Approval Of The Unaudited Financial Results Of The Bank For The Quarter Ended June 30 20258 days ago
Outcome Of The Meeting Of The Board Of Directors Of The Bank Held On July 24 2025-Approval Of The Unaudited Financial Results Of The Bank For The Quarter Ended June 30 20258 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 15, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 14, 2025
Board Meeting Intimation for Consideration And Approval Of The Unaudited Financial Results Of The Bank For The Quarter (Q-1) Ended On June 30 2025 Will Be Held On Thursday July 24 2025Jul 03, 2025
Disclosure Under Regulation 30 Read With Schedule III Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Jul 03, 2025
Closure of Trading WindowJun 27, 2025
Intimation Under Regulations 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Jun 26, 2025
Analysts / Institutional Investors Meet - OutcomeJun 20, 2025
Schedule Of Analysts / Institutional Investors MeetJun 16, 2025
Analysts / Institutional Investors Meet - OutcomeJun 06, 2025
Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Investor UpdateJun 06, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJun 04, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 03, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementMay 31, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 27, 2025
Disclosures under Reg. 29(1) of SEBI (SAST) Regulations 2011May 27, 2025
Disclosures under Reg. 29(1) of SEBI (SAST) Regulations 2011May 21, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 14, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 11, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 10, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 09, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 08, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationMay 08, 2025
Intimation Under Regulation 30 And 24A Of The SEBI Listing Regulations-Appointment Of Chief Audit Officer And Secretarial Auditor Of The BankMay 08, 2025
Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Directors Of The Bank Held On May 08 2025 - Approval Of The Audited Financial Results Of The Bank For The Quarter (Q-4) And Financial Year Ended March 31 2025 And Other MattersMay 08, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 02, 2025
Board Meeting Intimation for Consideration And Approval For The Audited Financial Results Of The Bank For The Quarter And Financial Year Ended On March 31 2025Apr 24, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotApr 16, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 05, 2025
Disclosure Under Regulation 30 Read With Schedule III Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 And Regulation 8 Read With Schedule A Of The SEBI (Prohibition Of Insider Trading) Regulations 2015Apr 03, 2025
Closure of Trading WindowMar 29, 2025
Disclosure Pursuant To Regulation 30 Read With Schedule III Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 - Sale Of Stressed Loan Portfolio (Financial Assets) To Asset Reconstruction CompaMar 29, 2025
Analysts / Institutional Investors Meet - OutcomeMar 28, 2025
Disclosure Pursuant To Regulation 30 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 - Sale Of Stressed Loan Portfolio (Financial Assets) To Asset Reconstruction CompanyMar 28, 2025
Analysts / Institutional Investors Meet - OutcomeMar 27, 2025
Analysts / Institutional Investors Meet - OutcomeMar 27, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 21, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 21, 2025
Schedule Of Analysts / Institutional Investors MeetMar 20, 2025
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Mar 19, 2025
Analysts / Institutional Investors Meet - OutcomeMar 18, 2025

Technical Indicators

RSI(14)
Neutral
34.96
ATR(14)
Less Volatile
4.10
STOCH(9,6)
Oversold
13.07
STOCH RSI(14)
Oversold
5.25
MACD(12,26)
Bearish
-1.28
ADX(14)
Weak Trend
19.82
UO(9)
Bearish
40.53
ROC(12)
Downtrend And Accelerating
-7.46
WillR(14)
Neutral
-77.60

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Bandhan Small Cap Fund Direct-Growth
0.05%
9416
-0.01%
0.01%
Axis Aggressive Hybrid Fund Direct-Growth
0.04%
0
0.00%
0.00%
Axis Small Cap Fund Direct-Growth
0.00%
0
0.00%
0.00%
ITI Banking and Financial Services Fund Direct - Growth
0.00%
0
0.00%
0.00%