Suryoday Small Finance Bank Ltd
Fundamental Score
Suryoday Small Finance Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SURYODAY across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (39.29%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (20.57% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Cash Generation (₹498.17 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
12 factors identified
Below-Average Return on Equity (6.16%)
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 (7.28%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-33.00%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Weak Earnings Growth (-3.38% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (0.66% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Elevated Debt Levels (D/E: 7.11)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.08x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (22.43%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Share Pledging Risk (22.39%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns or margin calls.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Suryoday Small Finance Bank Ltd
About SURYODAY
Business Overview
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, and current accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro home loans and micro LAP; home loan; secured business loan; personal loan; MSME loan; merchant loan for business; small business loan; and supply chain finance, as well as joint liability group and individual unsecured loans. In addition, the company offers debit and credit cards; life and general insurance services; social security schemes and mutual funds and broking services; inward and outward remittance services; and internet banking and mobile banking services. The company was incorporated in 2008 and is based in Navi Mumbai, India.
Company Details
Key Leadership
SURYODAY Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Suryoday Small Finance Bank Ltd (SURYODAY)?
As of 06 Feb 2026, 10:18 am IST, Suryoday Small Finance Bank Ltd (SURYODAY) is currently trading at ₹134.83. The stock has a market capitalization of ₹1.52K (Cr).
Is SURYODAY share price Overvalued or Undervalued?
SURYODAY is currently trading at a P/E ratio of 23.29x, compared to the industry average of 24.58x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Suryoday Small Finance Bank Ltd share price?
Key factors influencing SURYODAY's price include its quarterly earnings growth (Sales Growth: 2.46%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Suryoday Small Finance Bank Ltd a good stock for long-term investment?
Suryoday Small Finance Bank Ltd shows a 5-year Profit Growth of 0.66% and an ROE of 6.16%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 7.11 before investing.
How does Suryoday Small Finance Bank Ltd compare with its industry peers?
Suryoday Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare SURYODAY's P/E of 23.29x and ROE of 6.16% against the industry averages to determine its competitive standing.
What is the P/E ratio of SURYODAY and what does it mean?
SURYODAY has a P/E ratio of 23.29x compared to the industry average of 24.58x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹23 for every ₹1 of annual earnings.
How is SURYODAY performing according to Bull Run's analysis?
SURYODAY has a Bull Run fundamental score of 5.7/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SURYODAY belong to?
SURYODAY operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Suryoday Small Finance Bank Ltd.
What is Return on Equity (ROE) and why is it important for SURYODAY?
SURYODAY has an ROE of 6.16%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Suryoday Small Finance Bank Ltd generates profits from shareholders' equity.
How is SURYODAY's debt-to-equity ratio and what does it indicate?
SURYODAY has a debt-to-equity ratio of 7.11, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SURYODAY's dividend yield and is it a good dividend stock?
SURYODAY offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has SURYODAY grown over the past 5 years?
SURYODAY has achieved 5-year growth rates of: Sales Growth 20.57%, Profit Growth 0.66%, and EPS Growth -3.38%.
What is the promoter holding in SURYODAY and why does it matter?
Promoters hold 22.43% of SURYODAY shares, with 22.39% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SURYODAY's market capitalization category?
SURYODAY has a market capitalization of ₹1519 crores, placing it in the Small-cap category.
How volatile is SURYODAY stock?
SURYODAY has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SURYODAY?
SURYODAY has a 52-week high of ₹N/A and low of ₹N/A.
What is SURYODAY's operating profit margin trend?
SURYODAY has a 5-year average Operating Profit Margin (OPM) of 39.29%, indicating the company's operational efficiency.
How is SURYODAY's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 2.46% and YoY Profit Growth of -33.00%.
What is the institutional holding pattern in SURYODAY?
SURYODAY has FII holding of 4.67% and DII holding of 6.62%. Significant institutional holding often suggests professional confidence in the stock.