Suryoday Small Finance Bank Ltd Stock Price Today (NSE: SURYODAY)
Fundamental Score
Suryoday Small Finance Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Suryoday Small Finance Bank Ltd share price today is ₹170.54, down 1.73% on NSE/BSE as of 17 June 2026. Suryoday Small Finance Bank Ltd (SURYODAY) is a Small-cap company in the Other Bank sector with a market capitalisation of ₹1.52K (Cr). The 52-week high for SURYODAY share price is ₹190.78 and the 52-week low is ₹115.41. At a P/E ratio of 23.29x, SURYODAY is currently trading below its industry average P/E of 24.58x. The company has a Return on Equity (ROE) of 6.16% and a debt-to-equity ratio of 7.11.
Suryoday Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Suryoday Small Finance Bank Ltd share price chart: 10.99% return over the past month. 52-week high ₹190.78, 52-week low ₹115.41.
Suryoday Small Finance Bank Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹162.85 | ₹170.00 | ₹160.20 | ₹168.92 | 3.81L (Cr) | |
| ₹163.00 | ₹170.68 | ₹162.00 | ₹163.05 | 4.15L (Cr) | |
| ₹165.80 | ₹170.97 | ₹161.45 | ₹163.59 | 3.98L (Cr) | |
| ₹161.57 | ₹166.67 | ₹159.47 | ₹165.80 | 3.71L (Cr) | |
| ₹162.25 | ₹164.29 | ₹159.51 | ₹161.57 | 2.00L (Cr) | |
| ₹161.00 | ₹164.80 | ₹160.50 | ₹161.51 | 2.07L (Cr) | |
| ₹158.10 | ₹161.98 | ₹157.83 | ₹159.40 | 1.45L (Cr) | |
| ₹162.00 | ₹164.00 | ₹158.92 | ₹159.68 | 1.30L (Cr) | |
| ₹160.32 | ₹161.80 | ₹156.80 | ₹160.95 | 1.99L (Cr) | |
| ₹163.95 | ₹167.00 | ₹161.35 | ₹162.55 | 1.61L (Cr) |
Suryoday Small Finance Bank Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹163.00 | ₹170.68 | ₹160.20 | ₹168.92 | +3.63% | |
| ₹152.17 | ₹190.78 | ₹151.00 | ₹163.59 | +7.50% | |
| ₹120.50 | ₹154.80 | ₹120.50 | ₹152.89 | +26.88% | |
| ₹127.25 | ₹136.90 | ₹118.30 | ₹118.78 | -6.66% | |
| ₹135.20 | ₹138.10 | ₹115.41 | ₹132.08 | -2.31% | |
| ₹142.60 | ₹149.90 | ₹129.50 | ₹138.55 | -2.84% | |
| ₹140.61 | ₹147.80 | ₹130.02 | ₹140.85 | +0.17% | |
| ₹153.25 | ₹159.94 | ₹128.17 | ₹141.31 | -7.79% | |
| ₹142.00 | ₹161.48 | ₹139.41 | ₹152.48 | +7.38% | |
| ₹120.60 | ₹138.20 | ₹120.60 | ₹134.98 | +11.92% | |
| ₹127.00 | ₹132.34 | ₹121.00 | ₹121.70 | -4.17% | |
| ₹140.40 | ₹144.91 | ₹123.50 | ₹126.41 | -9.96% |
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.
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.
- 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
- 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
- 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
DII increased their stake by 0.69%, while FII decreased their stake marginally by 0.01% [cite: brief].
RBI's unchanged repo rate and projected GDP growth provide a stable backdrop, but Mideast crisis fans inflation risks [cite: brief].
Free cash flow of ₹498.17 Cr over the last 5 years [cite: brief] indicates decent cash generation.
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
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Suryoday Small Finance Bank Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
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
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.
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.
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
10 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.
Profit Decline Concern (-33.00%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Weak Earnings Growth (-3.38% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (0.66% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
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.
Weak Interest Coverage (1.08x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (22.43%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
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.
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.
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
| 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 |
Suryoday Small Finance Bank LtdSuryoday Small ...Selected✓ SURYODAY • 543279 | 5.7/100 | ₹170.54₹171 | ₹1518.84₹1518.84 | 23.29Average 23.3 Average | 6.16%Poor 6.16% Poor | 7.28%Poor 7.28% Poor | 7.11Poor 7.1 Poor | 0.66%Average 0.66% Average | 20.57%Excellent 20.57% Excellent | 0.00% |
AU Small Finance Bank LtdAU Small Financ... AUBANK • 540611 | 44.6/100 | ₹1005.00₹1005 | ₹70955.18₹70955.18 | 32.64Average 32.6 Average | 14.19%Average 14.19% Average | 8.40%Poor 8.40% Poor | 7.87Poor 7.9 Poor | 25.56%Excellent 25.56% Excellent | 30.25%Excellent 30.25% Excellent | 0.11% |
Ujjivan Small Finance Bank LtdUjjivan Small F... UJJIVANSFB • 542904 | 33/100 | ₹54.49₹54 | ₹10783.68₹10783.68 | 25.86Average 25.9 Average | 12.42%Average 12.42% Average | 8.53%Poor 8.53% Poor | 6.77Poor 6.8 Poor | 15.72%Excellent 15.72% Excellent | 18.64%Excellent 18.64% Excellent | 0.00% |
Equitas Small Finance Bank LimitedEquitas Small F... EQUITASBNK • 543243 | 24/100 | ₹72.18₹72 | ₹7246.17₹7246.17 | — — | 2.43%Poor 2.43% Poor | 6.85%Poor 6.85% Poor | 8.12Poor 8.1 Poor | -9.68%Poor -9.68% Poor | 19.00%Excellent 19.00% Excellent | 0.00% |
Jana Small Finance Bank LtdJana Small Fina... JSFB • 544118 | 45.4/100 | ₹488.25₹488 | ₹4718.15₹4718.15 | 11.48Average 11.5 Average | 13.03%Average 13.03% Average | 8.15%Poor 8.15% Poor | 8.49Poor 8.5 Poor | 72.35%Excellent 72.35% Excellent | 18.79%Excellent 18.79% Excellent | 0.00% |
Utkarsh Small Finance Bank LimitedUtkarsh Small F... UTKARSHBNK • 543942 | 3.7/100 | ₹13.47₹13 | ₹2939.72₹2939.72 | — — | 0.79%Poor 0.79% Poor | 7.17%Poor 7.17% Poor | 9.98Poor 10.0 Poor | -33.88%Poor -33.88% Poor | 23.55%Excellent 23.55% Excellent | 0.00% |
Fino Payments Bank LtdFino Payments B... FINOPB • 543386 | 46.7/100 | ₹133.97₹134 | ₹2608.98₹2608.98 | 32.52Average 32.5 Average | 13.31%Average 13.31% Average | 6.64%Poor 6.64% Poor | 3.93Poor 3.9 Poor | 37.20%Excellent 37.20% Excellent | 60.85%Excellent 60.85% Excellent | 0.00% |
Esaf Small Finance Bank LtdEsaf Small Fina... ESAFSFB • 544020 | 26.3/100 | ₹28.89₹29 | ₹1370.89₹1370.89 | — — | -23.49%Poor -23.49% Poor | 4.28%Poor 4.28% Poor | 14.30Poor 14.3 Poor | — — | 22.27%Excellent 22.27% Excellent | 0.00% |
Capital Small Finance Bank LtdCapital Small F... CAPITALSFB • 544120 | 40.4/100 | ₹284.75₹285 | ₹1234.77₹1234.77 | 9.13Average 9.1 Average | 10.38%Average 10.38% Average | 7.04%Poor 7.04% Poor | 7.11Poor 7.1 Poor | 38.98%Excellent 38.98% Excellent | 14.67%Good 14.67% Good | 1.46% |
Top Other Bank Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
Suryoday Small Finance Bank Ltd PE Ratio History
Historical price-to-earnings ratio for SURYODAY — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹10.75 | ₹140.85 | 13.1x |
| FY 2024 | ₹20.19 | ₹135.49 | 6.7x |
| FY 2023 | ₹7.32 | ₹156.60 | 21.4x |
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)
2.46%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-33.00%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
20.57%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
0.66%
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
Momentum is balanced — neither overbought nor oversold.
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
Key Leadership
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 ₹170.54 on NSE and BSE. Market cap ₹1.52K (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 23.29x vs industry average 24.58x.
What is the Bull Run score for Suryoday Small Finance Bank Ltd?
Suryoday Small Finance Bank Ltd has a Bull Run score of 5.7/100 based on 25+ financial parameters.
Does Suryoday Small Finance Bank Ltd pay dividends?
Suryoday Small Finance Bank Ltd has a dividend yield of 0.00%. 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 6.16%. 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 7.11.
Is Suryoday Small Finance Bank Ltd a good investment?
Bull Run gives Suryoday Small Finance Bank Ltd a score of 5.7/100. This is not investment advice — consult a SEBI-registered advisor.