Suryoday Small Finance Bank Limited

NSE: SURYODAY · Unclassified

₹145.76-1.73%06 Nov 2026

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Instant answers about Suryoday Small Finance Bank Limited — computed from its filings, no language model

Market cap₹1,549 cr

Current price₹145.76

High / Low₹194 / ₹116

P/E6.5

P/B0.70

Book value₹208.6

ROE10.7%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹22.39

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY21	FY22	FY24	FY25	FY26
Total income	876	1,035	1,808	2,171	2,520
Pre-provision op. profit	181	265	454	389	384
Operating margin	20.7%	25.6%	25.1%	17.9%	15.2%
Interest	366	357	626	848	1,062
Profit before tax	12	-127	288	144	200
Tax	0	-34	72	29	48
Net profit	12	-93	216	115	152
EPS ₹	1.32	-8.76	20.34	10.82	14.30
Operating cash flow	—	-347	935	1,320	652
Capex	—	50	56	177	76
Dividend paid	—	0	0	0	0
Total assets	—	—	12,378	15,614	19,884
Equity	—	—	1,805	1,927	2,078

Quarterly performance

last 19 quarters · ₹ crore

showing latest 8 of 19 periods

	MAR '21	JUN '21†	SEP '21†	DEC '21†	MAR '22	SEP '22	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	186	239	268	273	257	306	427	463	509	558	555	527	531	604	600	625	692	770	829
Pre-provision op. profit	-5	54	83	81	48	93	94	114	128	144	127	71	47	109	79	89	107	139	146
Operating margin	-2.8%	22.6%	30.9%	29.5%	18.9%	30.5%	22.1%	24.7%	25.2%	25.8%	22.9%	13.5%	8.8%	18.0%	13.2%	14.2%	15.5%	18.0%	17.5%
Other income	35	23	33	18	20	25	52	52	65	70	47	40	60	109	80	81	90	148	127
Interest	95	92	87	88	90	105	154	165	174	195	207	220	226	248	261	267	285	307	334
Profit before tax	-58	-57	-15	8	-64	17	68	76	80	93	60	38	-47	47	39	48	66	102	104
Tax	-15	-9	-13	3	-16	4	17	19	19	23	15	4	-13	12	9	11	16	27	28
Net profit	-43	-48	-2	5	-48	13	50	57	61	70	45	33	-34	35	30	37	50	75	77
EPS ₹	-4.80	-4.50	-0.18	0.45	-4.53	1.22	4.74	5.39	5.73	6.60	4.27	3.13	-3.18	3.32	2.86	3.44	4.68	7.07	7.20
Revenue YoY	—	—	—	—	37.7%	14.1%	39.7%	—	—	—	29.9%	14.0%	4.2%	8.2%	8.1%	18.5%	30.4%	27.6%	38.3%
Profit YoY	—	—	—	—	—	—	286.9%	—	—	—	-9.8%	-41.8%	-155.5%	-49.6%	-33.0%	9.8%	—	113.1%	151.7%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 12 periods

	DEC '21	MAR '22	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	—	—	13.2%	12.1%	10.9%	6.0%	4.2%	3.3%	3.4%	7.3%	9.2%	10.7%
Net margin	-9.1%	-9.0%	12.2%	11.2%	9.7%	5.3%	3.6%	2.9%	2.9%	6.0%	7.1%	8.2%
EBITDA margin	21.9%	25.6%	24.6%	24.6%	21.9%	17.9%	16.0%	13.5%	13.7%	15.2%	15.4%	16.5%
Asset turnover	—	—	0.16	0.15	0.16	0.14	0.14	0.14	0.14	0.13	0.14	0.14

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 8 periods

	SEP '22	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	106	106	106	106	106	106	106	106
Reserves	1,421	1,578	1,699	1,819	1,821	1,885	1,972	2,111
Total equity	1,527	1,684	1,805	1,925	1,927	1,991	2,078	2,218
Deposits	4,207	6,388	7,777	8,851	10,580	11,991	13,994	16,184
Borrowings	2,350	2,480	2,443	2,178	2,710	2,165	3,122	2,532
Total assets	8,385	10,856	12,378	13,500	15,614	16,604	19,884	21,443
Advances	5,090	6,721	8,078	8,807	9,974	10,805	12,879	14,559
Investments	2,424	2,905	2,599	2,852	3,137	3,414	3,693	4,418
Fixed assets	158	162	169	278	290	290	298	300
Cash & bank balances	440	726	1,180	1,073	1,709	1,512	2,099	1,552

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY24	FY25	FY26
Cash from operations	-347	935	1,320	652
Cash from investing	-158	-263	-1,059	-792
Cash from financing	885	-322	268	412
Capex	50	56	177	76
Free cash flow	-397	879	1,143	577
Dividends paid	0	0	0	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹14,559 cr68%

Investments

₹4,418 cr21%

Fixed assets

₹300 cr1%

Cash & bank

₹1,552 cr7%

Other assets

₹614 cr3%

Peer comparison

largest in Unclassified · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
Avantel Limited	36,86,04,549	138.69	—	1059360.68	0.0%
Ducol Organics And Colours Limited	19,55,275	120.00	—	20089.13	0.0%
Jio Platforms Limited	12,57,181	1,406.40	—	3.57	—
SBI Funds Management Limited	1,01,750	499.55	—	—	—
Tamilnadu Telecommunication Limited	91,314	9.93	—	—	—
Manipal Health Enterprises Limited	76,294	646.70	—	—	—
INDO-MIM Limited	59,042	1,219.50	—	—	—
AvenuesAI Limited	45,138	129.25	153.6	9.51	6.2%
Dhoot Transmission Limited	32,761	1,601.60	—	8.11	—
3M India Limited	31,071	27,570.00	53.8	17.57	32.7%
Suryoday Small Finance Bank Limited	1,549	145.76	6.5	0.70	10.7%

StoxGud checklist: Bearish setup · 3/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-6.3%

6 months-9.7%

1 year-5.7%

3Y CAGR-3.2%

5Y CAGR-3.5%

10Y CAGR—

50-day avg₹146.43

200-day avg₹151.11

RSI (14)48

FAQs

What is the share price of Suryoday Small Finance Bank Limited?

Suryoday Small Finance Bank Limited (SURYODAY) closed at ₹145.76 on NSE on 06 Nov 2026.

What is the market cap of Suryoday Small Finance Bank Limited?

₹1,549 crore at the latest close.

What is the P/E ratio of Suryoday Small Finance Bank Limited?

6.5, on trailing-twelve-month earnings from its filings.

How fast is Suryoday Small Finance Bank Limited growing?

Suryoday Small Finance Bank Limited: revenue has compounded at 34.5% a year over three years. Latest-quarter revenue is up 38.3% year on year, profit up 151.7%.

How profitable is Suryoday Small Finance Bank Limited?

On a trailing-twelve-month basis return on equity is 10.7%, operating margin 16.5%, net margin 8.2%.

How much debt does Suryoday Small Finance Bank Limited have?

Debt to equity isn't meaningful for Suryoday Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Suryoday Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from MAR '21, annual from FY21, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.