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Suryoday Small

  • Market Cap: Micro Cap
  • Industry: Other Bank
  • ISIN: INE428Q01011
  • NSEID: SURYODAY
  • BSEID: 543279
INR
136.20
-1.4 (-1.02%)
BSENSE

Dec 05

BSE+NSE Vol: 84.08 k

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
AU Small Finance
Ujjivan Small
Capital Small
Suryoday Small
Equitas Sma. Fin
Jana Small Finan
ESAF Small Fin
Utkarsh Small F.
Why is Suryoday Small Finance Bank Ltd ?
1
The company has declared Negative results for the last 4 consecutive quarters
  • PAT(Latest six months) At Rs 65.69 cr has Grown at -43.10%
  • CREDIT DEPOSIT RATIO(HY) Lowest at 90.11%
  • NON-OPERATING INCOME(Q) is 203.16 % of Profit Before Tax (PBT)
2
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 -8.71%, its profits have fallen by -72.1%
3
Underperformed the market in the last 1 year
  • Even though the market (BSE500) has generated returns of 2.12% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.71% returns
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Suryoday Small for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
Suryoday Small
-8.71%
-0.21
41.48%
Sensex
4.83%
0.41
11.83%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Net Interest Income Growth (5y)
24.07%
Net Profit Growth (5y)
28.33%
Advance to Deposit
110.03%
Capital Adequacy Ratio (Tier 1)
41.80%
Gross NPA (latest)
5.93%
Gross NPA (avg)
6.39%
Coverage Ratio (avg)
55.06%
Cost to Income (avg)
65.81%
Net Interest Margin (avg)
8.94%
Operating Profit to Assets (avg)
10.32%
ROA (avg)
0.38%
Net Debt to Equity (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
22
Price to Book Value
0.73
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
3.27%
ROA (Latest)
0.39%
Net NPA to Book Value
20.62
Loading Valuation Snapshot...
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company
OPERATING CF(Y)

Highest at Rs 1,319.98 Cr

PAT(Q)

At Rs 30.41 cr has Grown at 51.7% (vs previous 4Q average

INTEREST EARNED(Q)

Highest at Rs 519.66 cr

-13What is not working for the Company
PAT(Latest six months)

At Rs 65.69 cr has Grown at -43.10%

CREDIT DEPOSIT RATIO(HY)

Lowest at 90.11%

NON-OPERATING INCOME(Q)

is 203.16 % of Profit Before Tax (PBT

Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Operating Cash Flow - Annually
Highest at Rs 1,319.98 Cr and Grown
each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (Rs Cr)

Profit After Tax (PAT) - Quarterly
At Rs 30.41 cr has Grown at 51.7% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 20.05 Cr
MOJO Watch
Near term PAT trend is very positive

PAT (Rs Cr)

Interest Earned - Quarterly
Highest at Rs 519.66 cr
in the last five quarters
MOJO Watch
Near term sales trend is positive

Interest Earned (Rs Cr)

Here's what is not working for Suryoday Small
Credit Deposit Ratio - Half Yearly
Lowest at 90.11% and Fallen
in the last four periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Non Operating Income - Quarterly
is 203.16 % 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

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