ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
The Bank has a high Capital Adequacy Ratio of 0% 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 19.20%
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 0.9 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 26.90%, its profits have fallen by -67.3%
5
Majority shareholders : Non Institution
6
Market Beating Performance
- The stock has generated a return of 26.90% in the last 1 year, much higher than market (BSE500) returns of 4.81%
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, High Return
Absolute
Risk Adjusted
Volatility
Suryoday Small
26.9%
0.70
38.45%
Sensex
-3.33%
-0.25
13.43%
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)
0
Gross NPA (latest)
6.69%
Gross NPA (avg)
6.00%
Coverage Ratio (avg)
44.30%
Cost to Income (avg)
66.01%
Net Interest Margin (avg)
8.50%
Operating Profit to Assets (avg)
9.81%
ROA (avg)
0.48%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Price to Book Value
0.85
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
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
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
-5What 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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