Suryoday Small

Why is Suryoday Small Finance Bank Ltd falling/rising?

As of 18-Aug, Suryoday Small Finance Bank Ltd's stock price is at 151.75, reflecting a decline of 1.46%. The stock has underperformed against the Sensex over various periods, with significant drops in both the short and long term, despite a year-to-date increase.

As of 18-Aug, Suryoday Small Finance Bank Ltd's stock price is falling, currently at 151.75, which reflects a decrease of 2.25 or 1.46%. This decline is evident in the stock's performance over various periods, where it has underperformed against the benchmark Sensex. Over the past week, the stock has dropped by 7.16%, compared to a 1.18% decline in the Sensex. Similarly, in the last month, the stock has decreased by 15.55%, while the Sensex has only fallen by 1.17%.<BR><BR>Despite a year-to-date increase of 7.78%, the stock's longer-term performance shows a significant decline over three years, with a drop of 17.46%, contrasting with an 18.92% rise in the Sensex. Additionally, today's performance indicates that the stock has underperformed its sector by 1.14%. <BR><BR>While there has been a rise in investor participation, with a delivery volume increase of 28.07% compared to the 5-day average, the stock remains lower than the 5-day, 20-day, 50-day, and 100-day moving averages, although it is higher than the 200-day moving average. This suggests that while there is some interest in trading the stock, the overall trend remains negative, contributing to the current decline in price.

Which are the latest news on Suryoday Small?

Should I buy, sell or hold Suryoday Small Finance Bank Ltd?

Who are in the management team of Suryoday Small?

The management team of Suryoday Small includes Ramachandran Rajaraman (Chairman), K P Nair (Part Time Chairman), Ramachandran Baskar Babu (Managing Director and CEO), and several independent and non-executive directors. They oversee the company's strategic direction and governance.

The management team of Suryoday Small includes the following individuals:<BR><BR>1. **Ramachandran Rajaraman** - Chairman & Independent Director<BR>2. **Mrutunjay Sahoo** - Independent Director<BR>3. **Jyotin Mehta** - Independent Director<BR>4. **John Arunkumar Diaz** - Independent Director<BR>5. **K P Nair** - Part Time Chairman<BR>6. **Mandeep Maitra** - Independent Director<BR>7. **Ranjit Jayantilal Shah** - Non-Executive Director / Nominee<BR>8. **Ramachandran Baskar Babu** - Executive Director, Managing Director, CEO, and Promoter<BR><BR>This team is responsible for guiding the strategic direction and governance of the company.

What does Suryoday Small do?

Suryoday Small Finance Bank Ltd operates in the microfinance sector as a small finance bank, focusing on providing financial services to underserved segments. As of June 2026, it reported net sales of ₹622.36 crore and a net profit of ₹75 crore, with a market capitalization of ₹1,693 crore.

Overview:<BR>Suryoday Small Finance Bank Ltd operates in the microfinance sector as a small finance bank and belongs to the micro-cap category in the Other Bank industry.<BR><BR>History:<BR>Suryoday Small Finance Bank Ltd was originally incorporated in 2008 as Suryoday Micro Finance Private Limited in Chennai, Tamil Nadu. It later transitioned to a Public Limited Company and changed its name to Suryoday Micro Finance Limited in June 2015. The latest quarterly results reported are for June 2026, showing sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 622.36 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 75 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 1,693 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.94% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: Not available. <BR>Email: Not available. <BR>Website: Not available.

Who are the peers of the Suryoday Small?

Suryoday Small's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, ESAF Small Finance, and Capital Small Finance. In terms of management risk, growth, and capital structure, AU Small Finance and Ujjivan Small are noted for their excellence, while Utkarsh Small Finance shows below-average performance in several areas.

Peers: The peers of Suryoday Small are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and Suryoday Small. Average management risk is present at Utkarsh Small F. and Capital Small, and the rest have Below Average management risk. In terms of Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is seen at Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is found at Utkarsh Small F. and the rest. For Capital Structure, Excellent capital structure is observed at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small, and the rest have Average capital structure.<BR><BR>Return Snapshot: Ujjivan Small has the highest 1-year return at 66.71%, while Utkarsh Small F. has the lowest at -18.81%. Suryoday Small's 1-year return of 22.79% is lower than Ujjivan Small's but higher than Utkarsh Small F.'s. Additionally, Utkarsh Small F. is the only peer with a negative six-month return.

How big is Suryoday Small?

As of 14th August, Suryoday Small Finance Bank Ltd has a market capitalization of 1,619.86 Cr and total assets of 19,891.05 Cr, with shareholder's funds of 2,078.32 Cr.

As of 14th August, <BR><BR>Market Cap: Suryoday Small Finance Bank Ltd has a market capitalization of 1,619.86 Cr and is categorized as a Micro Cap.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, with a net profit of 191.87 Cr for the latest four quarters ending in June'26, March'26, December'25, and September'25.<BR><BR>Balance Sheet Snapshot: The latest reporting period is March'26, with shareholder's funds amounting to 2,078.32 Cr and total assets of 19,891.05 Cr.

Are Suryoday Small Finance Bank Ltd latest results good or bad?

Suryoday Small Finance Bank Ltd's latest Q1 FY27 results are positive, with a net profit of ₹75.18 crore, up 113.10% year-on-year, and total income rising 27.56%. However, the gross NPA ratio is concerning at 6.60%, above the industry average, indicating ongoing asset quality challenges.

Suryoday Small Finance Bank Ltd's latest results for Q1 FY27 can be considered quite positive overall, despite some challenges. The bank reported a net profit of ₹75.18 crore, which is a remarkable increase of 113.10% year-on-year. This strong profit growth is supported by a significant rise in interest earned, which reached ₹622.36 crore, marking a 27.56% increase compared to the previous year.<BR><BR>Additionally, the net interest income also showed healthy growth, up 27.75% year-on-year to ₹315.73 crore, although there was a slight sequential decline of 0.26% from the previous quarter. The overall total income for the quarter was ₹770.22 crore, reflecting a robust 27.56% year-on-year expansion.<BR><BR>However, there are concerns regarding asset quality, as the gross non-performing assets (NPA) ratio stands at 6.60%, which is higher than the industry average for small finance banks. While this is an improvement from 8.46% a year ago, it remains a significant challenge for the bank.<BR><BR>In summary, while Suryoday Small Finance Bank has demonstrated impressive growth in profits and revenues, the elevated level of NPAs raises caution. Investors may find the bank an intriguing opportunity, especially given its strong performance metrics, but should remain aware of the ongoing asset quality issues.

When is the next results date for Suryoday Small Finance Bank Ltd?

The next results date for Suryoday Small Finance Bank Ltd is 07 May 2026.

The next results date for Suryoday Small Finance Bank Ltd is scheduled for 07 May 2026.

Is Suryoday Small overvalued or undervalued?

As of November 20, 2025, Suryoday Small is considered overvalued with a PE ratio of 22.37, higher than its peers, and shows concerns regarding asset quality, reflected in a 20.62% NPA to book value ratio and lagging stock performance compared to the Sensex.

As of 20 November 2025, Suryoday Small's valuation grade has moved from fair to expensive, indicating a shift towards overvaluation. The company is currently assessed as overvalued, with a PE ratio of 22.37, a price to book value of 0.73, and a PEG ratio of 0.00. Notably, the return on equity (ROE) stands at 3.28%, while the net non-performing assets (NPA) to book value ratio is 20.62%, suggesting potential concerns regarding asset quality.<BR><BR>In comparison to its peers, Suryoday Small's PE ratio is higher than that of ICICI Bank at 19.95 and Axis Bank at 16.4, both of which are also categorized as expensive. Additionally, HDFC Bank, another peer, has a PE ratio of 21.81, reinforcing the notion that Suryoday Small's valuation is on the higher side relative to its competitors. The company's recent stock performance has lagged behind the Sensex, particularly over the past month and year, which further supports the conclusion of overvaluation.

How has been the historical performance of Suryoday Small?

Suryoday Small has shown significant growth in financial metrics, with interest earned rising from 766.69 Cr in Mar'20 to 1,953.75 Cr in Mar'25, and total assets increasing from 5,364.53 Cr to 15,620.99 Cr. However, profitability metrics like profit before tax peaked in Mar'24 before declining in Mar'25.

Answer:<BR>The historical performance of Suryoday Small shows significant growth in various financial metrics over the years.<BR><BR>Breakdown:<BR>Suryoday Small has demonstrated a steady increase in interest earned, rising from 766.69 Cr in Mar'20 to 1,953.75 Cr in Mar'25. This growth is primarily driven by interest on advances, which surged from 666.11 Cr in Mar'21 to 1,730.83 Cr in Mar'25. Total income also saw a substantial rise, reaching 2,171.00 Cr in Mar'25 compared to 854.14 Cr in Mar'20. However, interest expended increased as well, from 276.18 Cr in Mar'20 to 847.61 Cr in Mar'25, leading to a net interest income of 1,106.14 Cr in Mar'25, up from 490.51 Cr in Mar'20. The profit before tax fluctuated, peaking at 287.57 Cr in Mar'24 before dropping to 143.83 Cr in Mar'25, while profit after tax followed a similar trend, reaching 215.96 Cr in Mar'24 and then decreasing to 114.97 Cr in Mar'25. The company's total assets grew significantly from 5,364.53 Cr in Mar'20 to 15,620.99 Cr in Mar'25, with deposits also increasing from 2,848.72 Cr to 10,579.61 Cr over the same period. Cash and cash equivalents improved, closing at 1,702.00 Cr in Mar'25, up from 834.00 Cr in Mar'20. Overall, Suryoday Small's financial performance reflects a trajectory of growth, despite some fluctuations in profitability metrics.

Is Suryoday Small technically bullish or bearish?

As of November 3, 2025, the trend is mildly bullish due to positive signals from the MACD and Bollinger Bands, although caution is advised due to mixed longer-term indicators.

As of 3 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by a bullish MACD on the weekly chart and bullish signals from Bollinger Bands on both weekly and monthly time frames. Daily moving averages also indicate bullish momentum. However, the monthly MACD and KST are mildly bearish, suggesting caution. The Dow Theory shows a mildly bullish trend on the weekly chart, while the monthly chart indicates no trend. Overall, the strength of the bullish stance is tempered by mixed signals in the longer time frames.

Who are the top shareholders of the Suryoday Small?

The top shareholders of Suryoday Small include Baskar Babu Ramachandran with 5.18%, 1729 Capital at 3.81%, and 34 Foreign Institutional Investors holding 4.67%. Individual investors make up 41.42% of the shares, while promoters have a pledged holding of 22.39%.

The top shareholders of Suryoday Small include a mix of individual and institutional investors. The largest individual shareholder is Baskar Babu Ramachandran, who holds 5.18% of the company. Among public shareholders, 1729 Capital is notable with a holding of 3.81%. <BR><BR>In terms of institutional ownership, 34 Foreign Institutional Investors (FIIs) collectively hold 4.67%, while mutual funds have a minimal presence with just 0.04% held by one scheme. Additionally, individual investors represent a significant portion of the shareholding at 41.42%. <BR><BR>Overall, the majority of shares are held by non-institutional investors, with a pledged promoter holding of 22.39%.

Has Suryoday Small declared dividend?

No Dividend History Available