Suryoday Small

When is the next results date for Suryoday Small?

No Upcoming Board Meetings

Has Suryoday Small declared dividend?

No Dividend History 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. In terms of management risk, growth, and capital structure, Suryoday Small is rated average, with a 1-year return of -26.20%, better than Equitas Small Finance but lower than AU Small Finance's 12.60%.

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 and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small, and Average management risk is noted at Suryoday Small and ESAF Small Fin. For Growth, Excellent growth is seen at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is found at Equitas Sma. Fin and Utkarsh Small F., and Below Average growth is noted at ESAF Small Fin. In terms of Capital Structure, Excellent capital structure is observed at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Utkarsh Small F., while Below Average capital structure is found at Jana Small Finan, ESAF Small Fin, and Capital Small, and Average capital structure is noted at Suryoday Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 12.60%, while the peer with the lowest is Equitas Sma. Fin at -31.17%. Suryoday Small's 1-year return is -26.20%, which is higher than Equitas Sma. Fin but lower than AU Small Finance. Additionally, Utkarsh Small F. and ESAF Small Fin have negative six-month returns.

Who are in the management team of Suryoday Small?

As of March 2023, the management team of Suryoday Small includes Ramachandran Rajaraman (Chairman), K P Nair (Part Time Chairman), and Ramachandran Baskar Babu (Managing Director/CEO), along with several independent and non-executive directors. Each member plays a key role in the company's governance and strategy.

As of March 2023, the management team of Suryoday Small includes the following members:<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 / Nomin<BR>8. Ramachandran Baskar Babu - Executive Director / Managing Director / CEO / Promoter<BR><BR>Each member has a designated role within the company, contributing to its governance and strategic direction.

What does Suryoday Small do?

Suryoday Small Finance Bank Ltd is a small finance bank focused on providing financial services to underserved market segments. It was established in 2008 and reported a net sales of 470.58 Cr and a net loss of 34 Cr for the quarter ending March 2025.

Overview:<BR>Suryoday Small Finance Bank Ltd operates in the banking sector as a small finance bank, focusing on providing financial services to underserved segments of the market.<BR><BR>History:<BR>Suryoday Small Finance Bank Ltd was originally incorporated in 2008 as Suryoday Micro Finance Private Limited. It transitioned to a public limited company and changed its name to Suryoday Micro Finance Limited in June 2015. The most recent quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 470.58 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -34 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 1,468 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <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 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%.

How big is Suryoday Small?

As of 24th July, Suryoday Small Finance Bank Ltd has a market capitalization of 1,484.00 Cr and reported a net profit of 114.97 Cr over the last four quarters, with total assets of 12,384.68 Cr as of March 2024. There is no valid net sales data available.

As of 24th July, <BR><BR>Market Cap: Suryoday Small Finance Bank Ltd has a market capitalization of 1,484.00 Cr, categorizing it as a Small Cap company. <BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for summing, resulting in a figure of 0.00 Cr. However, the Net Profit for the latest four quarters is 114.97 Cr. <BR><BR>Balance Sheet Snapshot: The latest annual period reported is March 2024, with Shareholder's Funds amounting to 1,804.96 Cr and Total Assets valued at 12,384.68 Cr.

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.

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 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.

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

Suryoday Small Finance Bank Ltd's latest results are concerning, with a 13.80% quarter-on-quarter and 33.00% year-on-year decline in net profit, alongside a rising gross NPA ratio of 5.93%. These factors indicate deteriorating asset quality and profitability challenges, leading to a cautious outlook for the bank.

Suryoday Small Finance Bank Ltd's latest results indicate a challenging situation for the company. In Q2 FY26, the bank reported a net profit of ₹30.41 crore, which is a decline of 13.80% quarter-on-quarter and a significant drop of 33.00% year-on-year. This decline in profitability is concerning, especially given the rising gross non-performing asset (NPA) ratio, which surged to 5.93%, nearly doubling from 3.03% a year earlier.<BR><BR>The bank's net interest income also faced pressure, declining 13.92% year-on-year to ₹258.21 crore, despite a slight increase in interest earned. The return on equity remains low at 3.27%, which is below the average for its peers, indicating inefficiencies in generating returns for shareholders.<BR><BR>Overall, the results reflect a deteriorating asset quality and profitability challenges, leading to a cautious outlook for the bank. Investors should be aware of these issues as they consider the bank's performance and future prospects.

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

Why is Suryoday Small Finance Bank Ltd falling/rising?

As of 15-Feb, Suryoday Small Finance Bank Ltd's stock price is declining, currently at Rs 129.05, with a significant drop of 4.37% over the past week and 7.66% over the past month. Despite a high Capital Adequacy Ratio, negative financial results and high valuation compared to peers contribute to bearish investor sentiment.

As of 15-Feb, Suryoday Small Finance Bank Ltd's stock price is falling, currently at Rs 129.05, reflecting a decrease of Rs 3.2 or 2.42%. The stock has been underperforming, with a decline of 4.37% over the past week and 7.66% over the past month, which is significantly worse than the Sensex's declines of 1.14% and 1.20% respectively during the same periods. <BR><BR>Today marks the third consecutive day of decline for the stock, which has resulted in a total drop of 4.87% during this timeframe. The stock has also reached an intraday low of Rs 129.05, indicating a lack of upward momentum. Furthermore, Suryoday Small Finance Bank is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which typically suggests a bearish trend.<BR><BR>Despite some positive indicators, such as a high Capital Adequacy Ratio of 41.80% and a healthy long-term growth rate in Net Interest Income, the negative factors are weighing heavily on investor sentiment. The bank's flat results for the December quarter, including a significant decline in profit after tax (PAT) of 31.26% and a concerning reliance on non-operating income, contribute to a perception of financial instability. Additionally, the stock's valuation appears expensive compared to its peers, trading at a premium with a Price to Book Value of 0.7, while profits have fallen by 67.3% over the past year.<BR><BR>Investor participation has increased, with a notable rise in delivery volume, but the overall sentiment remains cautious, particularly as domestic mutual funds hold only a small stake of 1.55% in the company, which may indicate a lack of confidence at current price levels. These factors collectively explain the downward pressure on Suryoday Small Finance Bank Ltd's stock price.

Which are the latest news on Suryoday Small?