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Suryoday Small Finance Bank Limited

Suryoday Small Finance Bank Limited

SURYODAY.BO
Suryoday Small Finance Bank LimitedIN flagBombay Stock Exchange
170.05
INR
+1.20
- -
18.07BMarket Cap
Suryoday Small Finance Bank Limited
SURYODAY.BO
(Bombay Stock Exchange)

Recent

price

170.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
19.22
38.38
54.46
54.29
63.87
79.5
111.3
124.55
- -
123.79
Revenue per Share
1.08
8.52
10.45
1.32
-8.76
7.32
20.34
10.82
- -
7.54
Basic EPS, GAAP
42.02
-52.41
46.76
-99.89
-41.26
-17.93
82.8
107.57
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
12.19
19.81
27.46
34.71
20.55
24.26
39.95
48.3
- -
10
Book Value per Share
50.74
82.95
100.46
178.05
141.8
149.28
170.02
181.36
- -
184.47
Tangible Book Value per Share
106
106
106
90
106
106
106
106
- -
106
Basic Weighted Avg Shares
2,040
4,073
5,779
4,869
6,779
8,440
11,816
13,234
14,584
13,158
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
47
56
98
150
194
433
513
556
675
- -
Depreciation Expense
115
904
1,109
119
-930
777
2,160
1,150
1,520
802
Net Income, GAAP
35.57
36.66
38.92
1.98
- -
22.97
24.92
20.07
23.85
18.12
Effective Tax Rate (%)
5.63
22.2
19.2
2.43
-13.72
9.21
18.28
8.69
10.42
6.09
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,979
11,266
12,155
16,901
18,369
20,413
17,263
24,855
31,224
22,845
LT Debt
5,385
8,804
10,662
15,969
15,051
15,847
18,050
19,271
20,783
19,608
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
53.24
44.23
3.93
-35.15
32.67
63.36
24.53
49.06
75.47
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
106
106
106
Market Capitalization
14,380
10,664
14,865

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,522
17,094
14,308
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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%
32.18%
Sales/Revenue/Turnover
- -
25.19%
10.2%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,757
2,728
2,976
3,355
11,816
2025
3,634
3,474
3,078
3,048
13,234
2026
3,558
3,577
4,068
- -
14,584

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.48
4.74
5.39
- -
20.34
2025
6.6
4.27
3.13
-3.18
10.82
2026
3.32
3.44
4.68
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Suryoday Small Finance Bank Limited (SURYODAY.BO) operates as a small finance bank focused on financial inclusion for underserved and underbanked customers in rural, semi-urban, and urban areas of India. Founded in 2008 and headquartered in Navi Mumbai, Maharashtra, the bank provides a comprehensive suite of deposit and lending 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; micro home loans, home loans, two-wheeler loans, and other secured loans like commercial vehicle loans; unsecured loans comprising Joint Liability Group loans, Vikas Loans, small ticket individual loans, micro business loans, and MSME loans; debit and credit cards including the Fixed Deposit Backed RuPay Secured Credit Card; life and general insurance services; mutual funds; broking services; and digital banking solutions encompassing internet banking, mobile banking, UPI credit lines, and online bill payments. The bank maintains over 700 banking touchpoints across 15 states and union territories, serving more than 3.3 million customers with approximately 8,200 employees. In recent developments, Suryoday partners with Paytm to launch a Credit Line on UPI product, onboarding over 50,000 customers; introduces the Fixed Deposit Backed RuPay Secured Credit Card and a multi-city radio campaign; expands MSME lending and secured products like mortgages and vehicle loans; and receives RBI post-facto approval for 1729 Capital's acquisition of a 7.14% stake, alongside recognitions such as Best Digital First Bank at Bharat Fintech Summit 2025 and Top Performing Small Finance Bank by State Bank of India.