Suryoday Small Finance Bank Ltd - Stock Valuation and Financial Performance

BSE: 543279 | NSE: SURYODAY | Bank - Private | Small Cap

Suryoday Small Finan Share Price

118.35 -0.75 -0.63%
as on 21-Feb'25 16:59

DeciZen - make an informed investing decision on Suryoday Small Finan

Overall Rating
Bole Toh

1. Quality

2. Valuation

Undervalued

3. Price Trend

Suryoday Small Finance Bank stock performance -

P/E Ratio (SA):
6.00
Market Cap:
1,257.9 Cr.
52-wk low:
109.3
52-wk high:
219.6

Is Suryoday Small Finance Bank Ltd an attractive stock to invest in?

1. Is Suryoday Small Finance Bank Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Suryoday Small Finance Bank Ltd is a average quality company.

2. Is Suryoday Small Finance Bank Ltd undervalued or overvalued?

The key valuation ratios of Suryoday Small Finance Bank Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is Suryoday Small Finance Bank Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Suryoday Small Finance Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Suryoday Small Finan:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Suryoday Small Finance Bank Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Net Interest Income (₹ Cr.)
55.51041381643394914115847479621,132
YoY Gr. Rt. %
-87.4%33.1%18.3%106.9%44.8%-16.3%42.4%27.7%28.9%-
Total Income
1182002553255978548531,0351,2811,8082,150
YoY Gr. Rt. %
-69.1%27.4%27.5%83.7%43.1%-0.2%21.5%23.7%41.1%-
Adj EPS (₹ )
5.17.22.41.510.612.81.1-8.87.320.319.7
YoY Gr. Rt. %
-40.1%-67%-36.4%607.3%20.7%-91.3%-882.1%NA177.9%-
BVPS (₹ )
39.851.37879.5107.4122.3149.5140.9148.5169184.4
YoY Gr. Rt. %
-28.8%51.9%1.9%35.1%13.9%22.2%-5.8%5.4%13.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.92.81.10.52.92.40.2-1.30.91.91.5
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)
003.81.90.40.64.761.60.93.1
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)
-----------

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income37.3%23.2%32.8%28.9%
Total Income35.4%24.8%28.5%41.1%
Adj EPS16.6%13.9%162.9%177.9%
BVPS17.4%9.5%4.2%13.9%
Share Price - - - -38.4%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Interest Earned / Total Income
93.4699.3999.5588.2988.7989.7691.0490.9692.487.8789.7
Margins To view Margins Colour Rating Guide click here
NIM (%)
7.8997.89.49.56.47.57.98.18.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
15.416.74.3212.311.50.9-65.112.810.7
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)
008.31111.311.515.518.817.120.1-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 11.20%

Total Income has increased 28.48 CAGR in last 3 years

Net Profit has increased 162.85 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Suryoday Small Finance Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 19.7 -
TTM Sales (₹ Cr.) 1,928 -
BVPS (₹.) 184.4 -
Reserves (₹ Cr.) 1,854 -
P/BV 0.64 -
PE 6.00 -
From the Market
52 Week Low / High (₹) 109.30 / 219.55
All Time Low / High (₹) 77.20 / 295.95
Market Cap (₹ Cr.) 1,258
Equity (₹ Cr.) 106.3
Face Value (₹) 10
Industry PE 17.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Net Interest Income (₹ Cr.)271 28.9293 30.5300 35.7268 9.2
Interest Earned (₹ Cr.)445 35488 36.3507 35.2488 18.8
Total Income (₹ Cr.)509 40.2558 36.5555 29.9527 14
Adj EPS (₹)5.7 56.16.6 47.14.3 -9.93.1 -41.9
NIM (%)10.10 -10.00 -9.70 -8.40 -
Net NPA to Net Advances (%)0.86 -0.47 -0.8 -3.13 -
CASA (%)20.10 -17.70 -17.90 -19.50 -

Management X-Ray of Suryoday Small Finan:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:22.3%Institutions:10.69%Non-Institutions:67.01%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%30%
Pledged *37.9725.4325.4325.4322.4522.4522.4522.4522.5322.53
* Pledged shares as % of Promoter's holding (%)

Valuation of Suryoday Small Finan

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Suryoday Small Finan

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
RBL Bank 162.5 2.4 (1.5%) Small Cap 12,394 16.1 9.4 9.9 0.6
J&K Bank 101 1.1 (1.1%) Small Cap 11,212 19.4 15.8 5.2 0.9
South Indian Bank 24.1 -0.2 (-1%) Small Cap 8,613 4.8 12.4 5.1 0.7
Karnataka Bank 170 -0.1 (-0%) Small Cap 8,299 34.3 15.7 5 0.6
Karur Vysya Bank 213.6 -5.2 (-2.4%) Small Cap 8,204 23.4 19.6 9.4 1.6
Equitas Small Fin. 59.7 -1.2 (-1.9%) Small Cap 5,486 2.7 14.6 22.2 1.2
DCB Bank 111 1.3 (1.1%) Small Cap 5,362 18.9 10 5.8 0.7
City Union Bank 151.1 -4.1 (-2.6%) Small Cap 5,271 14.7 19.3 10.6 1.3
Tamilnad Mercantile 418.1 0.5 (0.1%) Small Cap 4,848 72.2 22.1 5.8 0.8
Jana Small Fin. Bank 420.4 -13.3 (-3.1%) Small Cap 4,013 66.6 16.7 6.5 1.2
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income 1182002553255978548531,0351,2811,808
Interest Income 1111992542875307677769421,1841,589
Other Income 811386787769497219
Expenditure 1011732403155107438411,1281,2031,592
Interest Expense 5595115123191276366357437626
Operating Expenses 3559102131194272329413507728
Provisions11192360126195146358260238
Profit Before Tax2542241613815412-127101288
Taxes 9149652430-342372
Profit After Tax 172715108711112-9378216
Adjusted EPS (₹)5.117.162.361.5010.6112.811.12-8.767.3220.34
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Share Capital 333864678287106106106106
Total Reserves 981584364697949731,4811,3901,4701,689
Minority Interest0000000000
Deposits00227501,5932,8493,2563,8545,1677,777
Borrowings 2989561,0227181,1241,2651,6672,5512,7652,443
Other Liabilities 3284061160168192203279353363
Total Liabilities 7571,1931,6042,1643,7615,3656,7128,1809,86112,378

Assets

Balance with RBI 0227314861103607784814
Balance with Banks16717110717622877749437041366
Investments 105943116648081,8742,0582,5702,599
Advances 5449838201,5752,6803,5323,9834,7516,0158,078
Net Block 2261318303566163152
Other Assets43354957122148216279286352
Total Assets 7571,1931,6042,1643,7615,3656,7128,1809,86112,378

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -144-350-231458-548526-876-347-98935
Cash Flow From Investing Activity 3-2-158-84-14-167-280-158-266-263
Cash Flow From Financing Activity 214399350-285658210915885213-322
Net Cash Flow 7247-398897569-241381-150349
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)572211131-9720
DPS (₹)0000000000
BVPS (₹)40517879107122150141148169

Margin Ratios

Yield on Advances (%)20.320.231.018.219.821.719.519.819.719.7
Yield on Investments (%)0.01,159.81.68.05.77.44.95.14.57.2
Cost of Liabilities (%)18.59.911.08.47.06.77.45.65.56.1
NIM (%)7.89.09.07.89.49.56.47.57.98.1
Interest Spread (%)1.810.319.99.812.715.012.114.214.213.5

Performance Ratios

ROA (%)2.92.81.10.52.92.40.2-1.30.91.9
ROE (%)15.416.74.32.012.311.50.9-6.05.112.8
ROCE (%)25.617.310.48.215.111.55.00.16.311.1

Efficiency Ratios

Cost to Income Ratio (%)55.956.072.965.147.747.167.560.960.061.6
Operating Costs to Assets (%)4.74.96.36.15.25.14.95.15.15.9

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.01.80.60.61.0

Suryoday Small Finance Bank Ltd Stock News

Suryoday Small Finance Bank Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Suryoday Small Finan on 21-Feb-2025 16:59 is ₹118.3.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Feb-2025 16:59 the market cap of Suryoday Small Finan stood at ₹1,257.9.
The latest P/E ratio of Suryoday Small Finan as of 21-Feb-2025 16:59 is 6.00.
The latest P/B ratio of Suryoday Small Finan as of 21-Feb-2025 16:59 is 0.64.
The 52-week high of Suryoday Small Finan is ₹219.6 and the 52-week low is ₹109.3.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suryoday Small Finan is ₹1,928 ( Cr.) .

About Suryoday Small Finance Bank Ltd

The bank was among the leading Small Finance Banks (SFBs) in India in terms of net interest margins, return on assets, yields and deposit growth. It has for over a decade been serving customers in the unbanked and underbanked segments in India and promoting financial inclusion. The bank commenced its microfinance operations in 2009 and has since expanded its operations across several states and union territories. Its delivery platform also includes partnering with business correspondents (BCs) for sourcing both asset and liability business and has expanded its network and presence through their reach to promote financial inclusion. It has arrangements with various payment banks in India and has been able to leverage its relationship with such payment banks to grow its deposit base. Its distribution network also comprises its ATMs, phone banking, mobile banking, tablet banking, unified payment interface, CSPs, and internet banking services.

Business area of the bank 

The bank currently offers a variety of asset and liability products and services designed for inclusive finance and general banking customers. Its asset products consist of its inclusive finance portfolio (comprising loans to JLG customers), commercial vehicle loans, affordable housing loans, micro business loans, unsecured micro and small enterprise and small and medium enterprise loans, secured business loans, financial intermediary group loans and other loans. The bank has leveraged the use of technology across all aspects of its operations. In particular, it uses digital technology for customer acquisition and also customer lifecycle management. Its employees use tablets to service customers in the unbanked and underbanked segments which has led to greater customer convenience and improved operational efficiency. It also has a robust back-end operating system supported by its core banking system and document management system.

Major events and milestones

  • 2008: Incorporation of Suryoday Micro Finance, founded and promoted by Baskar Babu Ramachandran, Ganesh Rao and V. L. Ramakrishnan.
  • 2009: Received RBI license for establishing an NBFC and commenced microfinance operations.
  • 2009: Investment by Aavishkaar Goodwell India Micro Finance Development Company Limited in Bank.
  • 2012: Investment from HDFC Holdings Limited and HDFC Standard Life Insurance Company Limited in Bank.
  • 2013: Investment by Lok Capital II LLC in Bank.
  • 2014: Investment by IFC in Bank.
  • 2014: Received listing permission from BSE in wholesale debt segment to issue debt securities.
  • 2015: We became a public limited company in June 2015.
  • 2015: 159 branches and 0.49 million customers as on March 31, 2015.
  • 2015: Received in-principle approval from RBI to establish an SFB.
  • 2015: Investment by DWM (International) Mauritius in Bank.
  • 2016: Received RBI final Approval to commence its SFB operations.
  • 2017: Commenced operations as an SFB in January 2017.
  • 2017: Included in second schedule to the RBI Act.
  • 2018: A new cluster of retail assets to provide finance for commercial vehicles, housing, MSME and loan against property upon initiating SFB operations.
  • 2019: Investments by DEG in Bank.
  • 2020: Investments by Kotak Mahindra Life Insurance Company Limited and Teachers Insurance and Annuity Association of America in Bank.
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