Suryoday Small Finance Bank Ltd Stock Price Today (NSE: SURYODAY)

Suryoday Small Finance Bank Ltd

SURYODAYOther Bank
163.73+2.08 (+1.29%)
Market Closed

Fundamental Score

...

Suryoday Small Finance Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Suryoday Small Finance Bank Ltd share price today is 163.73, up +1.29% on NSE/BSE as of 3 August 2026. Suryoday Small Finance Bank Ltd (SURYODAY) is a Small-cap company in the Other Bank sector with a market capitalisation of 2.01K (Cr). The 52-week high for SURYODAY share price is 197.20 and the 52-week low is 115.41. At a P/E ratio of 13.25x, SURYODAY is currently trading below its industry average P/E of 18.38x. The company has a Return on Equity (ROE) of 7.59% and a debt-to-equity ratio of 8.24.

Suryoday Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance

No data
High
197.20
Low
161.07
Volume
15.3L
Change
-9.29%

Suryoday Small Finance Bank Ltd share price chart: -9.29% return over the past month. 52-week high ₹197.20, 52-week low ₹115.41.

Suryoday Small Finance Bank Ltd — Last 10 Trading Days

DateOpenHighLowCloseVolume
164.50165.80161.07161.9211.35L (Cr)
169.00172.30161.15162.3341.90L (Cr)
184.00184.43164.17165.6866.74L (Cr)
191.20197.20183.40184.6271.54L (Cr)
183.05192.00181.91190.414.17L (Cr)
180.04183.90178.21183.051.40L (Cr)
184.96187.14177.30179.793.36L (Cr)
187.68187.68183.31183.992.54L (Cr)
190.00192.90186.00187.274.45L (Cr)
184.00195.00182.10191.5714.69L (Cr)

Suryoday Small Finance Bank Ltd — Last 12 Months Price History

MonthOpenHighLowCloseChange
175.32197.20161.07161.92-7.64%
163.00179.80160.20175.61+7.74%
152.17190.78151.00163.59+7.50%
120.50154.80120.50152.89+26.88%
127.25136.90118.30118.78-6.66%
135.20138.10115.41132.08-2.31%
142.60149.90129.50138.55-2.84%
140.61147.80130.02140.85+0.17%
153.25159.94128.17141.31-7.79%
142.00161.48139.41152.48+7.38%
120.60138.20120.60134.98+11.92%
128.49132.34121.00121.70-5.28%

AI Research Briefing

Powered by Gemini · 2026-04-09

Suryoday's high growth is attractive, but asset quality and leverage concerns make it a risky bet.

Research Confidence
6.0/10Moderate
DEBT TRAP TURNAROUNDMixed price momentum: 1M: -6.66%, 3M: 14.44%, 6M: -2.77% [cite: brief] indicates consolidation.P/E of 23.29x is slightly below the industry P/E of 24.58x [cite: brief], suggesting fair valuation.

WHAT'S HAPPENING NOW (last 2-4 weeks)

Suryoday Small Finance Bank (SURYODAY) reported strong Q4 FY26 numbers. Gross advances jumped 29% YoY to , while total deposits surged 32% YoY to CASA deposits rose 42% YoY to Disbursements also increased significantly, up 46% YoY to MD & CEO Baskar Babu Ramachandran purchased 50,000 equity shares in March.

CORE STORY (THE REAL GAME)

SURYODAY is a high-growth microfinance lender attempting to transition into a broader-based small finance bank. The market is watching if it can maintain high growth while improving asset quality and diversifying its loan book.

Why Now
  • Strong Q4 FY26 results with robust growth in advances and deposits
  • Improved CASA ratio indicates a better funding profile
  • MD & CEO's share purchase signals confidence
Potential Catalysts
  • Further improvement in asset quality (reduction in GNPA and NNPA)
  • Successful diversification of loan book away from microfinance
  • Continued strong growth in advances and deposits
Key Risks
  • High GNPA ratio of 6.5% indicates asset quality concerns
  • High debt/equity ratio of 7.11 raises concerns about financial leverage
  • Micro/SME focus exposes the bank to higher credit risk and economic volatility
Institutional Activity

DII increased their stake by 0.69%, while FII decreased their stake marginally by 0.01% [cite: brief].

Macro Context

RBI's unchanged repo rate and projected GDP growth provide a stable backdrop, but Mideast crisis fans inflation risks [cite: brief].

Cash Flow Quality

Free cash flow of ₹498.17 Cr over the last 5 years [cite: brief] indicates decent cash generation.

3–6 Month Outlook

Suryoday needs to demonstrate sustainable growth while improving asset quality. Focus on secured lending and digital deposit mobilization is key.

Primary Thesis Risk

Deterioration in asset quality could derail the growth story.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Poor

Return on Equity (ROE)

7.59%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

7.33%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

39.82%

Average operating profit margin over 5 years

Dividend Yield

0.79%

Annual dividend as % of current share price

Suryoday Small Finance Bank Ltd Valuation Check

Good

Price to Earnings (P/E)

13.25x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

18.38x

Average P/E of all peers in this sector

Market-cap Classification
Small-cap
Higher growth potential with higher volatility.

Shareholding Pattern

Excellent

Promoter Holding

22.48%

% shares held by company founders/management

Average

FII Holding

5.23%

% shares held by foreign institutional investors

Average

DII Holding

5.72%

% held by domestic mutual funds, LIC, banks

Poor

Promoter Pledged %

22.35%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Excellent

Profit Growth (Quarterly YoY)

247.19%

Net profit growth vs same quarter last year

Excellent

Revenue Growth (Quarterly YoY)

27.84%

Revenue growth vs same quarter last year

Excellent

Revenue Growth (5-Year CAGR)

22.72%

Compounded annual revenue growth over 5 years

Excellent

EPS Growth (5-Year CAGR)

66.47%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

66.52%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

8.24x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.19x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

1.97K (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Suryoday Small Finance Bank Ltd Fundamental Analysis & Valuation Benchmarking

Educational evaluation of SURYODAY across key market metrics for learning purposes.

Positive Indicators

8 factors identified

Strong Operating Margins (39.82%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Attractive Valuation (P/E: 13.25 vs Industry: 18.38)

Observation: Trading at discount to industry peers.

Analysis: P/E below industry average may present value opportunity.

Robust Profit Growth (247.19%)

Observation: Strong year-over-year profit expansion demonstrates business momentum.

Analysis: Profit growth >20% indicates effective execution and market opportunity capture.

Strong Revenue Growth (27.84%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Consistent Growth Track Record (22.72% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Excellent EPS Growth (66.47% CAGR)

Observation: Outstanding 5-year earnings per share compound growth.

Analysis: EPS CAGR >15% indicates strong wealth creation potential.

Strong Profit Growth Track Record (66.52% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Strong Cash Generation (₹1970.97 Cr over 5Y)

Observation: Healthy free cash flow generation supports growth and returns.

Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.

Risk Factors

6 factors identified

Below-Average Return on Equity (7.59%)

Observation: Returns on equity are below industry benchmarks.

Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.

Suboptimal ROCE (7.33%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.

Elevated Debt Levels (D/E: 8.24)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.19x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Low Promoter Commitment (22.48%)

Observation: Reduced promoter stake may indicate limited confidence.

Analysis: Low promoter holding may raise questions about management commitment.

High Share Pledging Risk (22.35%)

Observation: Significant promoter share pledging creates potential overhang.

Analysis: High pledging levels may create selling pressure during market downturns.

Suryoday Small Finance Bank Ltd vs Other Bank Peers

Peer Comparison - Other Bank

Compare Suryoday Small Finance Bank Ltd with 8 other companies in the same sector

9 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
42.4/100
164
₹2013.48
13.3
Average
7.59%
Poor
7.33%
Poor
8.2
Poor
66.52%
Excellent
22.72%
Excellent
0.79%
50.3/100
1047
₹77953.04
29.5
Average
14.32%
Average
7.66%
Poor
8.4
Poor
17.66%
Excellent
30.36%
Excellent
0.10%
55.1/100
72
₹12745.17
18.4
Average
10.75%
Average
7.73%
Poor
7.3
Poor
193.92%
Excellent
19.82%
Excellent
0.00%
26.7/100
75
₹9135.16
88.6
Average
1.69%
Poor
6.44%
Poor
8.5
Poor
-23.14%
Poor
16.29%
Excellent
0.00%
48.4/100
575
₹5150.12
13.6
Average
7.63%
Poor
7.45%
Poor
9.3
Poor
28.81%
Excellent
16.47%
Excellent
0.00%
19/100
15
₹2662.17
-40.03%
Poor
1.46%
Poor
8.8
Poor
16.40%
Excellent
0.00%
34.9/100
42
₹1851.39
-8.92%
Poor
5.64%
Poor
16.1
Poor
16.60%
Excellent
0.00%
37.8/100
159
₹1416.30
25.4
Average
7.37%
Poor
4.53%
Poor
5.1
Poor
21.49%
Excellent
65.07%
Excellent
0.00%
40.7/100
292
₹1351.01
9.6
Average
10.09%
Average
7.07%
Poor
7.2
Poor
28.23%
Excellent
15.44%
Excellent
1.69%

Suryoday Small Finance Bank Ltd PE Ratio History

Historical price-to-earnings ratio for SURYODAY — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 202510.75₹140.8513.1x
FY 202420.19₹135.496.7x
FY 20237.32₹156.6021.4x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Suryoday Small Finance Bank Ltd Quarterly Performance

Latest quarterly metrics for SURYODAY — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

27.84%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

247.19%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

22.72%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

66.52%

Compounded annual net profit growth over 5 years

Suryoday Small Finance Bank Ltd Technical Indicators

SMA 50, SMA 200, RSI and volume signals for SURYODAY — calculated from daily price history

36RSI 14
Neutral — RSI 36

Momentum is balanced — neither overbought nor oversold.

SMA 50
173
▼ Price below SMA 50 — Short-term bearish
SMA 200
148
▲ Price above SMA 200 — Long-term uptrend
30-Day Avg Volume
1102K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Suryoday Small Finance Bank Ltd Financial Statements

Annual income statement, balance sheet and cash flow for Suryoday Small Finance Bank Ltd (SURYODAY) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Suryoday Small Finance Bank Ltd

About SURYODAY (Suryoday Small Finance Bank Ltd)

Suryoday Small Finance Bank Ltd is a dynamic institution committed to fostering financial inclusion across India. Distinguishing itself through a specialized focus, Suryoday serves... micro and small businesses, along with marginalized communities often overlooked by traditional banking systems. Through innovative and accessible financial solutions, they aim to empower these individuals and contribute to sustainable economic growth at the grassroots level. Suryoday emphasizes building strong relationships with its customers, providing personalized service and understanding their unique needs, reflecting a commitment to going beyond simple transactions. They operate with an agile and responsive approach, adapting to the evolving needs of the underserved market while maintaining sound banking principles. The bank strategically structures its operations to efficiently cater to diverse segments through distinct verticals. Retail Banking forms a core segment, offering a range of deposit products designed for both security and growth, including various savings accounts, term deposits tailored to different investment horizons, and specialized recurring deposit schemes. The Corporate Banking division caters to businesses with customized credit facilities, supporting their expansion and working capital needs. Treasury operations maintain liquidity and prudently manage the bank's investment portfolio. The other Banking Operations segment includes the development of new products that help its customers grow. By differentiating its strategies, Suryoday efficiently addresses the unique requirements of each of its target demographics. Suryoday extends its reach with a comprehensive suite of loan products designed to facilitate economic activity and improve quality of life. Recognizing the aspirations of its clients, they provide accessible two-wheeler loans, enabling transportation and enhanced business opportunities. Commercial vehicle and car loans support entrepreneurship and business growth. Furthermore, recognizing the crucial need for housing, Suryoday offers tailored micro home loans and loans against property, empowering individuals to secure their own homes. Secured business loans assist small and medium-sized enterprises in expanding operations and achieving their growth potential. This diverse portfolio reflects Suryoday's commitment to being a comprehensive financial partner for its customers, supporting them across various life stages and business ventures.

Company Details

Symbol:SURYODAY
Industry:Other Bank
Sector:Other Bank

Key Leadership

Mr. Baskar Babu Ramachandran
Co-Founder, MD, CEO & Executive Director
Mr. Hemant Premchand Shah
Whole-Time Executive Director
Mr. Kanishka Chaudhary
Chief Financial Officer

SURYODAY Share Price: Frequently Asked Questions

What is the current share price of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd (SURYODAY) trades at ₹163.73 on NSE and BSE. Market cap ₹2.01K (Cr). Educational data only.

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

Suryoday Small Finance Bank Ltd has a P/E of 13.25x vs industry average 18.38x.

What is the Bull Run score for Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd has a Bull Run score of 42.4/100 based on 25+ financial parameters.

Does Suryoday Small Finance Bank Ltd pay dividends?

Suryoday Small Finance Bank Ltd has a dividend yield of 0.79%. Past dividends don't guarantee future payments.

What is the ROE of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd has ROE of 7.59%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd has debt-to-equity of 8.24.

Is Suryoday Small Finance Bank Ltd a good investment?

Bull Run gives Suryoday Small Finance Bank Ltd a score of 42.4/100. This is not investment advice — consult a SEBI-registered advisor.