Suryoday Small

Why is Suryoday Small Finance Bank Ltd falling/rising?

As of 08-Aug, Suryoday Small Finance Bank Ltd's stock price is at 161.95, down 0.28%. Despite recent short-term declines, the bank shows strong financial health and significant year-to-date gains, suggesting potential for recovery.

As of 08-Aug, Suryoday Small Finance Bank Ltd's stock price is currently at 161.95, reflecting a decrease of 0.45 (-0.28%). The stock has been experiencing a downward trend, having fallen for the last two consecutive days, resulting in a total decline of 0.74% during this period. This recent performance contrasts with the broader market, as the Sensex has increased by 0.52% over the past week.<BR><BR>In terms of longer-term performance, the stock has shown a year-to-date increase of 15.02%, significantly outperforming the Sensex, which has declined by 7.89% during the same timeframe. Over the past year, Suryoday Small Finance Bank Ltd has generated a return of 27.72%, which is notably higher than the market average return of 4.11%. However, the stock has underperformed in the short term, with a 1-month decline of 8.43% compared to a slight gain of 0.41% in the Sensex.<BR><BR>Despite the recent price drop, there are several positive factors supporting the stock's overall performance. The bank boasts a high net interest margin of 26.08% and a robust capital adequacy ratio of 41.80%, indicating strong financial health. Additionally, the bank's net profit has increased by 38.37%, and it has shown impressive growth in net interest income. The stock is also trading at a discount compared to its peers, with a price-to-book value of 0.8, suggesting attractive valuation metrics.<BR><BR>In summary, while Suryoday Small Finance Bank Ltd is currently facing a decline in its stock price due to recent performance trends, its strong financial fundamentals and historical returns indicate potential for recovery and growth in the longer term.

Which are the latest news on Suryoday Small?

Should I buy, sell or hold Suryoday Small Finance Bank Ltd?

Are Suryoday Small Finance Bank Ltd latest results good or bad?

Suryoday Small Finance Bank Ltd's latest Q1 FY27 results are positive, with a net profit of ₹75.18 crore, up 113.10% year-on-year, and total income rising 27.56%. However, the gross NPA ratio is concerning at 6.60%, above the industry average, indicating ongoing asset quality challenges.

Suryoday Small Finance Bank Ltd's latest results for Q1 FY27 can be considered quite positive overall, despite some challenges. The bank reported a net profit of ₹75.18 crore, which is a remarkable increase of 113.10% year-on-year. This strong profit growth is supported by a significant rise in interest earned, which reached ₹622.36 crore, marking a 27.56% increase compared to the previous year.<BR><BR>Additionally, the net interest income also showed healthy growth, up 27.75% year-on-year to ₹315.73 crore, although there was a slight sequential decline of 0.26% from the previous quarter. The overall total income for the quarter was ₹770.22 crore, reflecting a robust 27.56% year-on-year expansion.<BR><BR>However, there are concerns regarding asset quality, as the gross non-performing assets (NPA) ratio stands at 6.60%, which is higher than the industry average for small finance banks. While this is an improvement from 8.46% a year ago, it remains a significant challenge for the bank.<BR><BR>In summary, while Suryoday Small Finance Bank has demonstrated impressive growth in profits and revenues, the elevated level of NPAs raises caution. Investors may find the bank an intriguing opportunity, especially given its strong performance metrics, but should remain aware of the ongoing asset quality issues.

What does Suryoday Small do?

Suryoday Small Finance Bank Ltd operates in the microfinance sector, originally founded in 2008 and later becoming a public company. As of March 2026, it reported net sales of ₹601.59 crore and a net profit of ₹50 crore, with a market cap of ₹1,857 crore.

Overview:<BR>Suryoday Small Finance Bank Ltd operates in the microfinance sector within the Other Bank industry and is categorized as a Micro Cap company.<BR><BR>History:<BR>The company was originally incorporated as Suryoday Micro Finance Private Limited in 2008. It later converted to a Public Limited Company and changed its name to Suryoday Micro Finance Limited in June 2015. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 601.59 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 50 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 1,857 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: Not available. <BR>Email: Not available. <BR>Website: Not available.

How big is Suryoday Small?

As of 10th June, Suryoday Small Finance Bank Ltd has a market capitalization of 1,857.00 Cr, classifying it as a Micro Cap company. The latest balance sheet shows Shareholder's Funds at 1,927.09 Cr and Total Assets at 15,620.99 Cr, with a Net Profit of 151.97 Cr reported over the last four quarters.

As of 10th June, Suryoday Small Finance Bank Ltd has a market capitalization of 1,857.00 Cr, which classifies it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr, indicating no valid data found for summing. The Net Profit for the same period was 151.97 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025. Shareholder's Funds stood at 1,927.09 Cr, while Total Assets were valued at 15,620.99 Cr.

Who are in the management team of Suryoday Small?

The management team of Suryoday Small includes Ramachandran Rajaraman (Chairman), K P Nair (Part Time Chairman), Ramachandran Baskar Babu (Managing Director and CEO), and several independent and non-executive directors, bringing diverse expertise to the company's governance and strategy.

The management team of Suryoday Small includes the following individuals:<BR><BR>1. **Ramachandran Rajaraman** - Chairman & Independent Director<BR>2. **Mrutunjay Sahoo** - Independent Director<BR>3. **Jyotin Mehta** - Independent Director<BR>4. **John Arunkumar Diaz** - Independent Director<BR>5. **K P Nair** - Part Time Chairman<BR>6. **Mandeep Maitra** - Independent Director<BR>7. **Ranjit Jayantilal Shah** - Non-Executive Director / Nominee<BR>8. **Ramachandran Baskar Babu** - Executive Director, Managing Director, CEO, and Promoter<BR><BR>This team brings a diverse range of expertise to the company, contributing to its governance and strategic direction.

Who are the peers of the Suryoday Small?

Suryoday Small's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, ESAF Small Finance, and Capital Small. AU Small Finance leads in management quality, growth, and returns, while Suryoday Small shows good performance but lower returns compared to AU Small Finance.

Peers: The peers of Suryoday Small are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and Suryoday Small. Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. For Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, and Suryoday Small, while Average growth is seen at Equitas Sma. Fin and the rest. Below Average growth is found at Utkarsh Small F., ESAF Small Fin, and Capital Small. In terms of Capital Structure, Excellent capital structure is noted at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average capital structure is observed at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while Utkarsh Small F. has the lowest at -50.02%. Suryoday Small's 1-year return of 12.77% is higher than Utkarsh Small F. but lower than AU Small Finance. Additionally, Utkarsh Small F., ESAF Small Fin, and Capital Small have negative six-month returns.

When is the next results date for Suryoday Small Finance Bank Ltd?

The next results date for Suryoday Small Finance Bank Ltd is 07 May 2026.

The next results date for Suryoday Small Finance Bank Ltd is scheduled for 07 May 2026.

Is Suryoday Small overvalued or undervalued?

As of November 20, 2025, Suryoday Small is considered overvalued with a PE ratio of 22.37, higher than its peers, and shows concerns regarding asset quality, reflected in a 20.62% NPA to book value ratio and lagging stock performance compared to the Sensex.

As of 20 November 2025, Suryoday Small's valuation grade has moved from fair to expensive, indicating a shift towards overvaluation. The company is currently assessed as overvalued, with a PE ratio of 22.37, a price to book value of 0.73, and a PEG ratio of 0.00. Notably, the return on equity (ROE) stands at 3.28%, while the net non-performing assets (NPA) to book value ratio is 20.62%, suggesting potential concerns regarding asset quality.<BR><BR>In comparison to its peers, Suryoday Small's PE ratio is higher than that of ICICI Bank at 19.95 and Axis Bank at 16.4, both of which are also categorized as expensive. Additionally, HDFC Bank, another peer, has a PE ratio of 21.81, reinforcing the notion that Suryoday Small's valuation is on the higher side relative to its competitors. The company's recent stock performance has lagged behind the Sensex, particularly over the past month and year, which further supports the conclusion of overvaluation.

How has been the historical performance of Suryoday Small?

Suryoday Small has shown significant growth in financial metrics, with interest earned rising from 766.69 Cr in Mar'20 to 1,953.75 Cr in Mar'25, and total assets increasing from 5,364.53 Cr to 15,620.99 Cr. However, profitability metrics like profit before tax peaked in Mar'24 before declining in Mar'25.

Answer:<BR>The historical performance of Suryoday Small shows significant growth in various financial metrics over the years.<BR><BR>Breakdown:<BR>Suryoday Small has demonstrated a steady increase in interest earned, rising from 766.69 Cr in Mar'20 to 1,953.75 Cr in Mar'25. This growth is primarily driven by interest on advances, which surged from 666.11 Cr in Mar'21 to 1,730.83 Cr in Mar'25. Total income also saw a substantial rise, reaching 2,171.00 Cr in Mar'25 compared to 854.14 Cr in Mar'20. However, interest expended increased as well, from 276.18 Cr in Mar'20 to 847.61 Cr in Mar'25, leading to a net interest income of 1,106.14 Cr in Mar'25, up from 490.51 Cr in Mar'20. The profit before tax fluctuated, peaking at 287.57 Cr in Mar'24 before dropping to 143.83 Cr in Mar'25, while profit after tax followed a similar trend, reaching 215.96 Cr in Mar'24 and then decreasing to 114.97 Cr in Mar'25. The company's total assets grew significantly from 5,364.53 Cr in Mar'20 to 15,620.99 Cr in Mar'25, with deposits also increasing from 2,848.72 Cr to 10,579.61 Cr over the same period. Cash and cash equivalents improved, closing at 1,702.00 Cr in Mar'25, up from 834.00 Cr in Mar'20. Overall, Suryoday Small's financial performance reflects a trajectory of growth, despite some fluctuations in profitability metrics.

Is Suryoday Small technically bullish or bearish?

As of November 3, 2025, the trend is mildly bullish due to positive signals from the MACD and Bollinger Bands, although caution is advised due to mixed longer-term indicators.

As of 3 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by a bullish MACD on the weekly chart and bullish signals from Bollinger Bands on both weekly and monthly time frames. Daily moving averages also indicate bullish momentum. However, the monthly MACD and KST are mildly bearish, suggesting caution. The Dow Theory shows a mildly bullish trend on the weekly chart, while the monthly chart indicates no trend. Overall, the strength of the bullish stance is tempered by mixed signals in the longer time frames.

Who are the top shareholders of the Suryoday Small?

The top shareholders of Suryoday Small include Baskar Babu Ramachandran with 5.18%, 1729 Capital at 3.81%, and 34 Foreign Institutional Investors holding 4.67%. Individual investors make up 41.42% of the shares, while promoters have a pledged holding of 22.39%.

The top shareholders of Suryoday Small include a mix of individual and institutional investors. The largest individual shareholder is Baskar Babu Ramachandran, who holds 5.18% of the company. Among public shareholders, 1729 Capital is notable with a holding of 3.81%. <BR><BR>In terms of institutional ownership, 34 Foreign Institutional Investors (FIIs) collectively hold 4.67%, while mutual funds have a minimal presence with just 0.04% held by one scheme. Additionally, individual investors represent a significant portion of the shareholding at 41.42%. <BR><BR>Overall, the majority of shares are held by non-institutional investors, with a pledged promoter holding of 22.39%.

Has Suryoday Small declared dividend?

No Dividend History Available