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Suryoday Small Finance Bank Ltd
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.
Suryoday Small Finance Bank Valuation Shift Signals Changing Market Dynamics
Suryoday Small Finance Bank has experienced a notable shift in its valuation parameters, reflecting evolving market perceptions and financial fundamentals. The recent adjustment in key metrics such as the price-to-earnings (P/E) ratio and price-to-book value (P/BV) ratio highlights a changing landscape for investors assessing the bank’s price attractiveness relative to its historical and peer benchmarks.
Is Suryoday Small overvalued or undervalued?
As of November 13, 2025, Suryoday Small is fairly valued with a PE ratio of 22.27, a Price to Book Value of 0.73, and a PEG ratio of 0.00, but it has underperformed the Sensex with a return of -4.14% over the past year, raising concerns about asset quality due to a 20.62% Net NPA to Book Value ratio.
Is Suryoday Small overvalued or undervalued?
As of November 12, 2025, Suryoday Small is considered overvalued with a PE ratio of 22.65, a modest ROE of 3.28%, and a 1-year stock return of -5.64%, which is underperforming compared to its peers and the Sensex.
Suryoday Small Finance Bank Adjusts Valuation Amidst Asset Quality Concerns
Suryoday Small Finance Bank has adjusted its valuation, with a PE ratio of 22.65 and a price-to-book value of 0.74. The bank faces asset quality concerns, reflected in a 20.62% net NPA to book value ratio. Its stock has declined over the past year, contrasting with broader market trends.
Why is Suryoday Small falling/rising?
As of 07-Nov, Suryoday Small Finance Bank Ltd's stock price is Rs 143.90, down 3.62%, and has underperformed the Sensex recently, with a 7.16% decline over three days. Despite trading above longer-term moving averages, it is below shorter ones, indicating a weakening trend amidst increased investor participation.
Are Suryoday Small latest results good or bad?
Suryoday Small Finance Bank's latest results show modest income growth but significant challenges, with a 49.64% decline in net profit and a gross NPA ratio that has nearly tripled to 8.46%. While total income increased by 8.16%, profitability remains under pressure due to rising funding costs and deteriorating asset quality.
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.
Suryoday Small Finance Bank Q2 FY26: Asset Quality Concerns Overshadow Growth as NPAs Surge
Suryoday Small Finance Bank Ltd. reported a net profit of ₹35.28 crores for Q2 FY26, marking a sharp recovery from the previous quarter's loss of ₹33.78 crores but representing a concerning 49.64% year-on-year decline. The micro-cap lender, with a market capitalisation of ₹1,600 crores, continues to grapple with deteriorating asset quality as gross non-performing assets surged to 8.46%, the highest level in recent quarters, whilst net interest margins compressed to 7.2% from 10.0% a year ago. Following the results, the stock traded at ₹149.60 as of November 6, 2025, down 1.71% from the previous close, reflecting investor concerns about the bank's profitability trajectory and rising credit costs.
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.
Suryoday Small Finance Bank Shows Mixed Technical Trends Amid Market Resilience
Suryoday Small Finance Bank has recently revised its evaluation amid changing market conditions. The bank's stock shows a slight increase, with a year-to-date return of 13.22%, outperforming the Sensex. Over three years, it has achieved a notable return of 60.24%, demonstrating resilience in the financial sector.
How has been the historical performance of Suryoday Small?
Suryoday Small has shown significant growth in financial metrics, with total income rising from 597.03 crore in March 2019 to 2,171.00 crore in March 2025, and interest earned increasing from 766.69 crore to 1,953.75 crore in the same period. However, profitability metrics like profit before tax and profit after tax peaked in March 2024 before declining in March 2025.
How has been the historical performance of Suryoday Small?
Suryoday Small has shown significant growth in interest earned, total income, and assets from Mar'20 to Mar'25, with interest rising from 766.69 crore to 1,953.75 crore and total assets increasing from 5,364.52 crore to 15,620.99 crore. However, profitability metrics have declined recently, with profit after tax dropping from 215.96 crore in Mar'24 to 114.97 crore in Mar'25.
Suryoday Small Finance Bank Adjusts Evaluation Amidst Profit Decline and Growth Challenges
Suryoday Small Finance Bank has recently adjusted its evaluation, reflecting changes in financial metrics and market position. The bank, operating in the microcap segment, has a strong Capital Adequacy Ratio of 47.60%. Despite long-term growth, it has faced significant profitability challenges and a high Gross NPA of 8.46%.
Is Suryoday Small technically bullish or bearish?
As of 27 October 2025, the technical trend has shifted to bullish, supported by strong weekly indicators like the MACD and Bollinger Bands, despite some mild bearish signals from the monthly MACD and KST.
Suryoday Small Finance Bank Shows Mixed Technical Trends Amid Strong Performance Resilience
Suryoday Small Finance Bank has recently revised its evaluation amid changing market conditions. The bank's stock has shown resilience with a 14.93% return over the past year, outperforming the Sensex. Various technical indicators present a mixed performance, reflecting both bullish and bearish trends in the market.
Why is Suryoday Small falling/rising?
As of 24-Oct, Suryoday Small Finance Bank Ltd's stock price is rising to Rs 153.45, reflecting a 2.99% increase and outperforming its sector and the benchmark Sensex over the past week and month. The stock is trading above key moving averages, indicating a positive trend and increased investor interest.
Is Suryoday Small overvalued or undervalued?
As of October 17, 2025, Suryoday Small is fairly valued with a PE ratio of 18.80, a Price to Book Value of 0.77, and a PEG ratio of 0.00, indicating potential undervaluation compared to peers like HDFC Bank and ICICI Bank, despite its modest profitability and underperformance against the Sensex over the past year.
Suryoday Small Finance Bank Adjusts Valuation Amidst Market Position Changes
Suryoday Small Finance Bank has adjusted its valuation amid changes in financial metrics. The bank's stock price is currently at 141.85, with a year-over-year decline of 16.61%. Key indicators include a PE ratio of 18.80, ROE of 4.11%, and a net NPA to book value ratio of 30.42.
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