Suryoday Small Finance Bank Ltd Stock Price Today (NSE: SURYODAY)
Fundamental Score
Suryoday Small Finance Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Suryoday Small Finance Bank Ltd share price today is ₹125.64, up +0.00% on NSE/BSE as of 17 February 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 ₹N/A and the 52-week low is ₹N/A. 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
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Suryoday Small Finance Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Suryoday Small Finance Bank Share Price: A Financial Snapshot
In the specialized world of small finance banking, profitability is paramount. Unlike larger institutions with diversified revenue streams, small finance banks often hinge on effective microloan management and cost optimization. This analysis examines the current position of "Suryoday Small Finance Bank share price," currently trading at ₹134.83. With a Price-to-Earnings (PE) ratio of 23.29 and a Return on Capital Employed (ROCE) of 7.28%, the bank presents a mixed financial picture. This is part of an 80-parameter fundamental audit verified by Sweta Mishra.
The PE ratio suggests that the market has moderate expectations for Suryoday's future earnings growth compared to its current earnings. However, the ROCE of 7.28% warrants closer examination. ROCE reflects how efficiently a company is generating profits from its capital. In the case of Suryoday, this figure, while positive, suggests there is room for improvement to enhance its competitive advantage and generate greater investor returns. A higher ROCE typically indicates a stronger economic moat, making it more difficult for competitors to erode market share. This metric is especially crucial for sustained growth in a competitive landscape.
A crucial comparison involves benchmarking against sector peers. For example, when contrasting Suryoday Small Finance Bank Ltd with
Utkarsh Small Finance Bank Limited, it would be important to assess the relative strength and depth of management teams, including factors like experience, strategy execution, and risk management. Stronger management can positively impact critical areas such as Non-Performing Asset (NPA) management and operational efficiency, factors that directly affect long-term profitability and investor confidence.In conclusion, while the current Suryoday Small Finance Bank share price reflects a certain market valuation, continued monitoring of key financial metrics like ROCE, and a comparative analysis of its performance against competitors like Jana Small Finance Bank Ltd and Fino Payments Bank Ltd, is crucial for understanding its long-term prospects. These observations provide a framework to track the bank's performance; however, this is not a recommendation to buy or sell shares.
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 Financial Statements
Comprehensive financial data for Suryoday Small Finance Bank Ltd including income statement, balance sheet and cash flow
About SURYODAY (Suryoday Small Finance Bank Ltd)
Suryoday Small Finance Bank Ltd (SURYODAY) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹1.52K (Cr). Suryoday Small Finance Bank Ltd has delivered a Return on Equity (ROE) of 6.16% and a ROCE of 7.28%. The debt-to-equity ratio stands at 7.11, reflecting the company's capital structure. Investors tracking SURYODAY share price can monitor key metrics including P/E ratio, promoter holding of 22.43%, and quarterly earnings growth.
Company Details
Key Leadership
SURYODAY Share Price: Frequently Asked Questions
What is the current share price of Suryoday Small Finance Bank Ltd (SURYODAY)?
As of 17 Feb 2026, 10:24 am IST, Suryoday Small Finance Bank Ltd share price is ₹125.64. The SURYODAY stock has a market capitalisation of ₹1.52K (Cr) on NSE/BSE.
Is SURYODAY share price Overvalued or Undervalued?
SURYODAY share price 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 Suryoday Small Finance Bank Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SURYODAY share price?
The 52-week high of SURYODAY share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Suryoday Small Finance Bank Ltd share price?
Key factors influencing SURYODAY share price include 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 in SURYODAY shares.
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 share price P/E of 23.29x and ROE of 6.16% against the industry averages to determine competitive standing.
What is the P/E ratio of SURYODAY and what does it mean?
SURYODAY share price has a P/E ratio of 23.29x compared to the industry average of 24.58x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently Suryoday Small Finance Bank Ltd generates profits from shareholders capital.
How is SURYODAY 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.
What is SURYODAY dividend yield and is it a good dividend stock?
SURYODAY offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Suryoday Small Finance Bank Ltd shares.
How has SURYODAY share price 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% pledged. High promoter holding often indicates strong management confidence in Suryoday Small Finance Bank Ltd.
What is SURYODAY market capitalisation category?
SURYODAY has a market capitalisation 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 Suryoday Small Finance Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SURYODAY 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 quarterly performance?
Recent quarterly performance shows Suryoday Small Finance Bank Ltd 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 Suryoday Small Finance Bank Ltd stock.