ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
High Profitability with a Net Interest Margin of 26.08%
2
The Bank has a high Capital Adequacy Ratio of 41.80% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 26.08% and Net profit at 38.37%
4
Positive results in Jun 26
- INTEREST EARNED(Q) Highest at Rs 622.36 cr
- DPS(Y) Highest at Rs 1.50
- DPR(Y) Highest at 10.49%
5
With ROA of 1, it has a Very Attractive valuation with a 0.8 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 27.72%, its profits have risen by 139.3% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Suryoday Small
27.72%
0.65
42.92%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
26.08%
Net Profit Growth (5y)
38.37%
Advance to Deposit
107.63%
Capital Adequacy Ratio (Tier 1)
41.80%
Gross NPA (latest)
6.60%
Gross NPA (avg)
6.19%
Coverage Ratio (avg)
60.20%
Cost to Income (avg)
65.63%
Net Interest Margin (avg)
9.14%
Operating Profit to Assets (avg)
10.57%
ROA (avg)
0.77%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
0.83
PEG Ratio
0.06
Dividend Yield
0.93%
ROE (Latest)
9.23%
ROA (Latest)
0.96%
Net NPA to Book Value
8.16
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bearish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 622.36 cr
DPS(Y)
Highest at Rs 1.50
DPR(Y)
Highest at 10.49%
PAT(Q)
Highest at Rs 75.18 cr.
EPS(Q)
Highest at Rs 7.07
NET NPA(Q)
Lowest at 1.27%
-10What is not working for the Company
OPERATING CF(Y)
Lowest at Rs 652.33 Cr
PBT LESS OI(Q)
At Rs -45.96 cr has Fallen at -14.8% (vs previous 4Q average
PBDIT(Q)
Lowest at Rs -9.30 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at -1.49%
NON-OPERATING INCOME(Q)
is 145.10 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Profit After Tax (PAT) - Quarterly
At Rs 75.18 cr has Grown at 97.9% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 37.99 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 622.36 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 75.18 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.07
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 1.27%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Dividend per Share (DPS) - Annually
Highest at Rs 1.50
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 10.49%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Suryoday Small
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -45.96 cr has Fallen at -14.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -40.03 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Cash Flow - Annually
Lowest at Rs 652.33 Cr
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -9.30 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at -1.49%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 145.10 % 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
Non Operating Income - Quarterly
Highest at Rs 147.86 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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