ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
High Profitability with a Net Interest Margin of 23.81%
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 23.81% and Net profit at 66.55%
4
With a growth in Operating Profit of 20.18%, the company declared Very Positive results in Mar 26
- NII(Q) Highest at Rs 316.55 cr
- INTEREST EARNED(Q) Highest at Rs 601.59 cr
- PBT LESS OI(Q) Highest at Rs -24.65 cr.
5
With ROA of 0.8, it has a Fair valuation with a 0.8 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 26.73%, its profits have risen by 32.2% ; the PEG ratio of the company is 0.4
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
27.13%
0.68
40.63%
Sensex
-7.57%
-0.57
13.01%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
23.81%
Net Profit Growth (5y)
66.55%
Advance to Deposit
106.00%
Capital Adequacy Ratio (Tier 1)
41.80%
Gross NPA (latest)
6.55%
Gross NPA (avg)
6.32%
Coverage Ratio (avg)
50.04%
Cost to Income (avg)
65.36%
Net Interest Margin (avg)
8.87%
Operating Profit to Assets (avg)
10.20%
ROA (avg)
0.58%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
0.83
PEG Ratio
0.35
Dividend Yield
NA
ROE (Latest)
7.31%
ROA (Latest)
0.76%
Net NPA to Book Value
26.07
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
NII(Q)
Highest at Rs 316.55 cr
INTEREST EARNED(Q)
Highest at Rs 601.59 cr
PBT LESS OI(Q)
Highest at Rs -24.65 cr.
PBDIT(Q)
Highest at Rs 16.67 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 2.77%
PAT(Q)
Highest at Rs 49.72 cr.
EPS(Q)
Highest at Rs 4.68
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 137.55 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Profit After Tax (PAT) - Quarterly
At Rs 49.72 cr has Grown at 190.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 17.12 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 316.55 cr and Grown
each quarter 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 601.59 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -24.65 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 16.67 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 2.77%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 49.72 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.68
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 137.55 % 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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