ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 41.80% signifying high buffers against its risk based assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 24.07% and Net profit at 28.33%
3
Flat results in Dec 25
- PAT(9M) At Rs 102.25 cr has Grown at -31.26%
- NON-OPERATING INCOME(Q) is 169.24 % of Profit Before Tax (PBT)
4
With ROA of 0.4, it has a Expensive valuation with a 0.7 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -1.95%, its profits have fallen by -67.3%
5
Despite the size of the company, domestic mutual funds hold only 1.55% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
6
Below par performance in long term as well as near term
- Along with generating -1.95% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Suryoday Small should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Suryoday Small for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Suryoday Small
-1.7%
-0.04
41.73%
Sensex
6.56%
0.58
11.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
19.20%
Net Profit Growth (5y)
11.69%
Advance to Deposit
115.82%
Capital Adequacy Ratio (Tier 1)
41.80%
Gross NPA (latest)
6.69%
Gross NPA (avg)
6.00%
Coverage Ratio (avg)
55.06%
Cost to Income (avg)
66.01%
Net Interest Margin (avg)
8.94%
Operating Profit to Assets (avg)
10.32%
ROA (avg)
0.38%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Price to Book Value
0.71
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
3.44%
ROA (Latest)
0.41%
Net NPA to Book Value
25.16
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at Rs 276.81 cr
INTEREST EARNED(Q)
Highest at Rs 543.87 cr
PAT(Q)
Highest at Rs 36.56 cr.
EPS(Q)
Highest at Rs 3.44
-3What is not working for the Company
PAT(9M)
At Rs 102.25 cr has Grown at -31.26%
NON-OPERATING INCOME(Q)
is 169.24 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Profit After Tax (PAT) - Quarterly
At Rs 36.56 cr has Grown at 124.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 16.30 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 276.81 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 543.87 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 36.56 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.44
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Suryoday Small
Non Operating Income - Quarterly
is 169.24 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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