1. India Stocks

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    Finance

  3. •

    Regional banks
Suryoday Small Finance Bank Limited

Suryoday Small Finance Bank Limited

132.62
INR
-5.35
(-3.88%)
18.51EPS
9.49P/E
18.67BMarket Cap
Oct 29Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
19.22
38.38
54.46
54.29
63.87
79.5
111.3
124.54
137.2
149.03
Basic EPS, GAAP
1.08
8.52
10.45
1.32
-8.76
7.32
20.34
10.82
14.3
18.51
Free Cash Flow per Basic Share
42.02
-52.41
46.76
-99.89
-41.26
-17.93
82.8
107.58
54.26
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
50.74
82.95
100.46
150.46
141.78
149.28
169.96
181.31
195.53
- -
Tangible Book Value per Share
50.74
82.95
100.46
150.46
141.78
149.28
169.96
181.31
195.53
- -
Basic Weighted Avg Shares
106
106
106
90
106
106
106
106
106
106
Sales/Revenue/Turnover
2,040
4,073
5,779
4,869
6,779
8,440
11,816
13,233
14,583
15,839
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
47
56
98
150
194
433
513
556
675
- -
Net Income, GAAP
115
904
1,109
119
-930
777
2,160
1,150
1,520
1,967
Effective Tax Rate (%)
35.57
36.66
38.92
1.98
- -
22.97
24.92
25.11
31.32
24.96
Profit Margin (%)
5.63
22.2
19.2
2.43
-13.72
9.21
18.28
8.69
10.42
12.42
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
6,979
11,266
12,155
16,901
18,369
20,413
17,263
24,855
28,540
- -
Total Equity
5,385
8,804
10,662
15,969
15,051
15,847
18,050
19,271
20,783
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
5.57
5.17
0.43
- -
2.23
6.03
2.89
3.25
- -
Return on Common Equity (%)
- -
12.74
11.4
0.89
-6
5.03
12.74
6.16
7.59
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
106
106
106
Market Capitalization
14,971
12,625
18,666

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,793
20,988
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
5.61%
7.85%
Free Cash Flow
- -
-137.8%
-49.54%
Net Income, GAAP
- -
-180.97%
32.19%
Sales/Revenue/Turnover
- -
25.18%
10.2%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
3,634
3,474
3,078
3,048
13,233
2026
3,558
- -
3,577
4,069
14,583
2027
4,636
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.6
4.27
3.13
-3.18
10.82
2026
3.32
- -
3.44
4.68
14.3
2027
7.07
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Baskar Babu Ramachandran
Full Time Employees
8,574
Sector
Finance
Industry
Regional banks
Address
Tower No. 1, Seawoods Grand Central Navi Mumbai MH India 400706
IPO Date
Mar 30, 2021
Website
suryodaybank.com
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Business
Suryoday Small Finance Bank Limited (SURYODAY.NS) operates as a scheduled small finance bank focused on financial inclusion for unserved and underserved customers in India, primarily offering retail banking products including savings accounts such as Savings Supreme, Savings Classic and Savings Aditya; current accounts including Current Supreme, Current Classic and Current Aditya; fixed deposits, tax saver fixed deposits and recurring deposits; secured loans such as micro home loans, home loans, two-wheeler loans, commercial vehicle loans and affordable housing loans; unsecured loans including joint liability group loans, Vikas loans, small ticket individual loans, micro-business loans, MSME loans and financial intermediary group loans; debit and credit cards including the Fixed Deposit Backed RuPay Secured Credit Card; life and general insurance services; mutual funds; broking services; mobile banking, internet banking and bill payment services. The bank, founded in 2008 and headquartered in Navi Mumbai, Maharashtra, maintains operations across 15 states and union territories through over 700 banking touchpoints and more than 8,200 employees, serving over 33 lakh customers with a focus on rural, semi-urban and urban micro-entrepreneurs, small businesses and low-income households. Recent developments include a 35.5% year-on-year deposit growth to Rs 11,991 crore and 39% expansion in the mortgage book to Rs 255 crore as of September 2025; partnerships with Paytm for Credit Line on UPI, onboarding over 50,000 customers, and launches of the secured credit card and two-wheeler loans; RBI post facto approval in November 2025 for 1729 Capital's 7.14% stake acquisition; gross advances surpassing Rs 10,000 crore in FY2025 with Vikas loan portfolio exceeding Rs 3,000 crore and banking outlets expanding to 710 including 197 unbanked rural centres; and recognitions such as Best Digital First Bank at Bharat Fintech Summit 2025.