Suryoday Small Finance Bank Limited

SURYODAY.BO

SURYODAY.BOSuryoday Small Finance Bank Limited IN flag

Bombay Stock Exchange

116.40

INR

+3.05

(+2.69%)

19.63EPS

5.93P/E

12.37BMarket Cap

May 14Next Earn

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ISIN

INE428Q01011

Return %

Stock

S&P500

-30.51

22.70

-9.24

38.09

-57.86

79.86

Use logarithmic scale

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	19.22	38.38	54.46	54.29	63.87	79.5	111.3	127.41
Basic EPS, GAAP	1.08	8.52	10.45	1.32	-8.76	7.32	20.34	19.72
Free Cash Flow per Basic Share	42.02	-52.41	46.76	-99.89	-41.26	-17.93	82.8	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	12.19	19.81	27.46	34.71	20.55	24.26	39.95	10
Tangible Book Value per Share	50.74	82.95	100.46	178.05	141.8	149.28	170.02	184.45
Basic Weighted Avg Shares	106	106	106	90	106	106	106	106
Sales/Revenue/Turnover	2,040	4,073	5,779	4,869	6,779	8,440	11,816	13,541
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	47	56	98	150	194	433	513	- -
Net Income, GAAP	115	904	1,109	119	-930	777	2,160	2,096
Effective Tax Rate (%)	35.57	36.66	38.92	1.98	- -	22.97	24.9	22.6
Profit Margin (%)	5.63	22.2	19.2	2.43	-13.72	9.21	18.28	15.48
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	6,979	11,266	12,155	16,901	18,369	20,413	17,263	19,560
Total Equity	5,385	8,804	10,662	15,969	15,051	15,847	18,050	19,603
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Common Equity (%)	- -	53.24	44.23	3.93	-35.15	32.67	63.36	197.32

Capital Structure

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in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

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in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	- -	25.97%	40%
Net Income, GAAP	- -	-191.37%	177.97%
Free Cash Flow	- -	-227.85%	-561.85%
Total Cash Common Dividend	- -	- -	- -
Total Equity	- -	16.86%	13.9%

Growth Rates

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in mil. unless spec.

Quarterly Revenue

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in mil. unless spec.

Quarterly Earnings Per Share

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in mil. unless spec.

Quarterly Dividends Per Share

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in mil. unless spec.

Company Description

CEO: Ms. Meenaa Sharma
Full Time Employees: 7,440
Sector: Financial Services
Industry: Banks - Regional
Address: Sharda Terraces Navi Mumbai India 400614
Website: suryodaybank.com
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Business: Suryoday Small Finance Bank Limited operates as a small finance bank primarily serving the unserved and underserved with a focus on financial inclusion in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operations segments. The company accepts savings and current accounts, term and fixed deposits, and recurring deposits. In addition, the company provides finance for mortgage and commercial vehicles; and loans to micro, small, and medium enterprises, as well as loans to non-banking finance companies. Further, it offers home loans, secured business loans, joint liability group loans, and emergency credit line guarantee schemes. Additionally, the company offers debit cards and NRI banking services; and internet, phone, and mobile banking services. Suryoday Small Finance Bank Limited was incorporated in 2008 and is based in Navi Mumbai, India.

	Jun'25	Sep'25	Dec'25
ST Debt	- -	- -	- -
LT Borrowings	- -	- -	- -
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	106	106	106
Market Capitalization	20,024	19,186	14,380

	Jun'25	Sep'25	Dec'25
Total Current Assets	- -	- -	- -
Accounts Receivable, Net	- -	- -	- -
Cash, Cash Equivalents & STI	9,214	10,729	8,522
Inventories	- -	- -	- -
Total Current Liabilities	- -	- -	- -
Payables & Accruals	- -	- -	- -
ST Debt	- -	- -	- -
Deferred Revenue	- -	- -	- -

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	19.22	38.38	54.46	54.29	63.87	79.5	111.3	127.41
Basic EPS, GAAP	1.08	8.52	10.45	1.32	-8.76	7.32	20.34	19.72
Free Cash Flow per Basic Share	42.02	-52.41	46.76	-99.89	-41.26	-17.93	82.8	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	12.19	19.81	27.46	34.71	20.55	24.26	39.95	10
Tangible Book Value per Share	50.74	82.95	100.46	178.05	141.8	149.28	170.02	184.45
Basic Weighted Avg Shares	106	106	106	90	106	106	106	106
Sales/Revenue/Turnover	2,040	4,073	5,779	4,869	6,779	8,440	11,816	13,541
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	47	56	98	150	194	433	513	- -
Net Income, GAAP	115	904	1,109	119	-930	777	2,160	2,096
Effective Tax Rate (%)	35.57	36.66	38.92	1.98	- -	22.97	24.9	22.6
Profit Margin (%)	5.63	22.2	19.2	2.43	-13.72	9.21	18.28	15.48
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	6,979	11,266	12,155	16,901	18,369	20,413	17,263	19,560
Total Equity	5,385	8,804	10,662	15,969	15,051	15,847	18,050	19,603
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Common Equity (%)	- -	53.24	44.23	3.93	-35.15	32.67	63.36	197.32

Year	Q1	Q2	Q3	Q4	FY
2023	0.73	1.22	1.7	- -	7.32
2024	4.48	4.74	5.39	- -	20.34
2025	6.6	4.27	3.13	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2023	1,902	2,006	2,091	2,441	8,440
2024	2,757	2,728	2,976	3,355	11,816
2025	3,634	3,474	3,078	- -	- -

Suryoday Small Finance Bank Limited

Growth Rates

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Company Description

Capital Structure

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Quarterly Earnings Per Share

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