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Suryoday Small Finance Bank Ltd

Suryoday Small Finance Bank Ltd

SURYODAY Share Price

NSE
₹132.493.97% (-5.48)
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SIP

With a market cap of ₹1,572 cr, stock is ranked 1,393

Stock is 2.93x as volatile as Nifty

SURYODAY Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

Avg

Can be considered moderately valued vs the market

Growth

Avg

Financials growth has been moderate for a few years

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,572 cr, stock is ranked 1,393

Stock is 2.93x as volatile as Nifty

SURYODAY Performance & Key Metrics

SURYODAY Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
8.200.761.01%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.382.121.24%

SURYODAY Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

SURYODAY Company Profile

Suryoday Small Finance Bank is engaged in business of mortgage loans, commercial vehicles loans, loans to micro, small and medium enterprises.

Investor Presentation

View older View older 

Jul 23, 2026

PDF
View Older Presentations

SURYODAY Similar Stocks (Peers)

Compare with peers Compare with peers 

SURYODAY Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
14.78
14.78
1Y Return
31.32%
31.32%
Buy Reco %
95.24
95.24
PE Ratio
18.50
18.50
1Y Return
2.24%
2.24%
Buy Reco %
100.00
100.00
PE Ratio
23.08
23.08
1Y Return
3.28%
3.28%
Buy Reco %
86.49
86.49
PE Ratio
15.22
15.22
1Y Return
3.28%
3.28%
Buy Reco %
97.56
97.56
PE Ratio
9.82
9.82
1Y Return
18.77%
18.77%
Buy Reco %
0.00
0.00
Compare with Peers

SURYODAY Sentiment Analysis

SURYODAY Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

SURYODAY Stock Summary · July 2026

Management struck a broadly steady tone, saying the bank is steadily rebalancing its franchise while keeping asset quality and funding costs under control. A key strategic shift is underway from joint liability lending toward individual loans, which now account for about 80% of monthly onboarding, even as the bank expects JLG exposure to decline further over the next 1 to 1.5 years. Asset quality remained manageable, with June 2026 GNPA at 6.5% and NNPA at 1.2%, while monthly microfinance slippages eased to below INR 20 crores and collection efficiency stayed stable. Management also pointed to INR 386 crores of CGFMU claims as an important cushion, helping strengthen provision coverage and balance-sheet resilience. On the funding side, retail deposits and CASA remained central priorities, with cost of funds improving by about 8 bps sequentially and expected to stay around 7.5% this year. Management reaffirmed FY27 credit cost guidance of 0.8% to 1.0% and said NIMs should remain broadly in line with Q1, while noting near-term profitability may ease as PSL income normalizes from roughly INR 40 crore to INR 10 crore to INR 20 crore in coming quarters.

SURYODAY Stock Growth Drivers
SURYODAY Stock Growth Drivers
6
  • Portfolio stabilization and credit quality improvement

    The bank showed clear progress in stabilizing its core portfolio, with management describing Q1 FY27

  • Secured lending expansion and branch-led growth opportunity

    Secured retail lending emerged as a meaningful growth driver, with healthy momentum in commercial vehicles

SURYODAY Stock Challenges
SURYODAY Stock Challenges
6
  • Asset quality and collections pressure

    Asset quality remains a clear pressure point despite management describing the portfolio as manageable. Reported

  • Microfinance cycle deterioration and restrained growth outlook

    Management signaled that the microfinance cycle has turned and is no longer a favorable backdrop

SURYODAY Forecast

SURYODAY Forecasts

Price

Revenue

Earnings

SURYODAY

SURYODAY

Income

Balance Sheet

Cash Flow

SURYODAY Income Statement

SURYODAY Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue509.36558.27554.65527.40530.68603.82599.50624.75691.89770.22
Operating & Other expensessubtract429.19465.55494.50489.66577.46556.99560.20576.96626.24668.32
Depreciation/Amortizationsubtract0.000.000.000.000.000.000.000.000.000.00
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract19.3322.6614.764.44-13.0011.558.8911.2315.9326.72
EPS5.736.604.273.13-3.183.322.863.444.687.07

SURYODAY Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 23PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 8PDF
May 7PDF
Jan 22PDF
+2 more
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 8PDF
Jan 23PDF
Oct 24PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 10PDF
FY 2023FY 2023

Annual report

PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
 

SURYODAY Stock Peers

SURYODAY Past Performance & Peer Comparison

SURYODAY Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Suryoday Small Finance Bank Ltd10.350.761.01%
HDFC Bank Limited14.781.852.12%
ICICI Bank Limited18.502.640.86%
Kotak Mahindra Bank Ltd23.082.460.15%
ScreenerCompare valuation on Screener

SURYODAY Stock Price Comparison

Compare SURYODAY with any stock or ETF
Compare SURYODAY with any stock or ETF
SURYODAY
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SURYODAY Holdings

SURYODAY Shareholdings

SURYODAY Promoter Holdings Trend

SURYODAY Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

SURYODAY Institutional Holdings Trend

SURYODAY Institutional Holdings Trend

Increased Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 1.38%

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

SURYODAY Shareholding Pattern

SURYODAY Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding22.48%1.68%3.97%4.70%67.17%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

SURYODAY Shareholding History

SURYODAY Shareholding History

JunSepDec '25MarJunSep4.68%4.66%4.97%5.23%5.35%4.70%

Mutual Funds Invested in SURYODAY

Mutual Funds Invested in SURYODAY

No mutual funds holding trends are available

Top 2 Mutual Funds holding Suryoday Small Finance Bank Ltd



Funds (Top 2)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.5265%0.07%-0.03%30/289 (-3)
0.0418%0.05%-0.01%71/142 (0)

Compare 3-month MF holding change on Screener

SURYODAY Insider Trades & Bulk Stock Deals

SURYODAY Insider Trades & Bulk Stock Deals

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smallcases containing SURYODAY stock

smallcases containing SURYODAY stock

Looks like this stock is not in any smallcase yet.

SURYODAY Events

SURYODAY Events

SURYODAY Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

SURYODAY Dividend Trend

No dividend trend available

SURYODAY Upcoming Dividends

SURYODAY Upcoming Dividends

No upcoming dividends are available

SURYODAY Past Dividends

SURYODAY Past Dividends

Cash Dividend

Ex DateEx DateJul 17, 2026

Final
Final | Div/Share: ₹1.50

Dividend/Share

₹1.50

Ex DateEx Date

Jul 17, 2026

SURYODAY Stock News & Opinions

SURYODAY Stock News & Opinions

Corporate
Corporate
Suryoday Small Finance Bank plans to raise funds via Non-Convertible Debentures

Suryoday Small Finance Bank Limited will hold a board meeting on Thursday, October 22, 2026, to consider and approve a proposal to raise funds by issuing Non-Convertible Debentures on a Private Placement basis, according to a regulatory filing with the National Stock Exchange of India Limited and BSE Limited.

1 week agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank allotted Rs 200 crore in debentures maturing October 9, 2036

Suryoday Small Finance Bank Limited announced that its board of directors approved the allotment of 200 Subordinated, Rated, Listed, Unsecured, Transferable, Redeemable, Fully Paid-Up Non-Convertible Debentures, categorized as Basel II Compliant Lower Tier II Capital, with an aggregate value of Rs 200 crore at a coupon rate of 10.05% per annum, fixed and payable semi-annually, on a private placement basis. The debentures, with a face value of Rs 10,00,000 each, will mature on October 9, 2036, and are proposed to be listed on the BSE Limited.

2 weeks agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank confirms share dematerialization certificate compliance

Suryoday Small Finance Bank Limited informed the National Stock Exchange of India Limited and BSE Limited that it has received a certificate from KFin Technologies Limited, its registrar and share transfer agent, regarding the dematerialization/re-materialization of shares for the quarter ended September 30, 2026, in compliance with Regulation 74(5) of the Securities and Exchange Board of India (Depositories and Participants) Regulations, 2018.

2 weeks agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank to review financial results at October 29 board meeting

Suryoday Small Finance Bank Limited will hold a meeting of its Board of Directors on October 29, 2026, to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2026, according to a regulatory filing. The trading window for the bank's designated persons and connected persons, which was closed from October 1, 2026, will reopen 48 hours after the declaration of the results.

2 weeks agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank appoints Alok Pathak as Chief Risk Officer for three years

Suryoday Small Finance Bank Limited announced the appointment of Mr. Alok Pathak as Chief Risk Officer for a three-year term, from October 1, 2026, to September 30, 2029, and the redesignation of Mr. Yogesh Dixit as “Head – Governance Projects,” effective October 1, 2026. The appointments were approved by the bank’s Board of Directors on October 1, 2026, following recommendations from the Nomination and Remuneration Committee and the Risk Management Committee, and are in accordance with RBI Master Circular No. RBI/DOR/2025 -26/180.

3 weeks agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank closes trading window ahead of financial results announcement

Suryoday Small Finance Bank Limited informed the National Stock Exchange of India Limited and BSE Limited that the trading window for dealing in securities of the bank will be closed from October 1, 2026, until the announcement of the unaudited financial results for the quarter and half year ending September 30, 2026, and 48 hours thereafter.

1 month agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank plans to raise funds via Non-Convertible Debentures, board meeting set

Suryoday Small Finance Bank Limited will hold a board meeting on Monday, September 21, 2026, to consider and approve a proposal to raise funds by issuing Non-Convertible Debentures (Tier II Bonds) on a Private Placement basis, according to a regulatory filing with the National Stock Exchange of India Limited and BSE Limited.

1 month agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank’s equity capital increased with stock option allotment

Suryoday Small Finance Bank Limited announced the allotment of 6,825 equity shares on August 13, 2026, following the exercise of stock options under the Suryoday ESOP Scheme 2019, increasing the bank’s paid-up equity share capital from Rs 106,28,98,240 comprising 10,62,89,824 shares to Rs 106,29,66,490 comprising 10,62,96,649 shares.

2 months agoCapital Market - Live
Earnings
Earnings
Suryoday Small Finance Bank standalone net profit rises 113.10% in the June 2026 quarter

Net profit of Suryoday Small Finance Bank rose 113.10% to Rs 75.18 crore in the quarter ended June 2026 as against Rs 35.28 crore during the previous quarter ended June 2025. Total Operating Income rose 25.69% to Rs 622.36 crore in the quarter ended June 2026 as against Rs 495.17 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Total Operating Income622.36495.17 26 OPM %41.8837.61 - PBDT101.9046.83 118 PBT101.9046.83 118 NP75.1835.28 113 Powered by Capital Market - Live

3 months agoCapital Market - Live
Spotlight
Spotlight
Suryoday SFB's PAT rises over twofold to Rs 75 crore in Q1 FY27

Total income for the period under added up to Rs 770.22 crore, up 27.6% YoY. Net interest income jumped by 27.8% to Rs 315.73 crore in Q1 FY27 from Rs 247.14 crore in Q1 FY26. Operating profit increased by 27.2% YoY to Rs 138.56 crore in the June 2026 quarter. Provisions (other than tax) and Contingencies fell by 41% to Rs 36.66 crore in Q1 FY27 from Rs 62.09 crore in Q1 FY26. Profit before tax in Q1 FY27 stood at Rs 101.90 crore, which is 2.18 times the pre-tax profit of Rs 46.83 crore posted in Q1 FY26. Gross NPA as on 30 June 2026 was 6.60% as against 8.46% as on 30 June 2025. Net NPA was at 1.27% as on 30 June 2026 as compared with 5.64% as on 30 June 2025 Suryoday Small Finance Bank is a scheduled commercial bank. It commenced operations as an NBFC over a decade ago, with a clear focus on serving customers in the unbanked and underbanked segments and promoting financial inclusion. The scrip had surged 7.62% to end at Rs 194.90 on the BSE today. Powered by Capital Market - Live

3 months agoCapital Market - Live

Frequently asked questions

  1. The share price of SURYODAY as on 23rd October 2026 is ₹132.49. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Suryoday Small Finance Bank Ltd (SURYODAY) share are
    • Past 1 week: -9.75%
    • Past 1 month: -10.78%
    • Past 3 months: -31.82%
    • Past 6 months: -8.97%
    • Past 1 year: -10.97%
    • Past 3 years: -13.41%
    • Past 5 years: -24.55%

  3. The peers or stocks similar to Suryoday Small Finance Bank Ltd (SURYODAY) include:

  4. The current dividend yield of Suryoday Small Finance Bank Ltd (SURYODAY) is 1.01.

  5. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Suryoday Small Finance Bank Ltd (SURYODAY) is ₹1572.87 Cr as of 23rd October 2026.

  6. The 52-week high of Suryoday Small Finance Bank Ltd (SURYODAY) is ₹218 and the 52-week low is ₹115.41.

  7. The P/E (price-to-earnings) ratio of Suryoday Small Finance Bank Ltd (SURYODAY) is 10.35. The P/B (price-to-book) ratio is 0.76.

  8. Suryoday Small Finance Bank Ltd (SURYODAY) belongs to the Financials sector & Private Banks sub-sector.

  9. You can directly buy Suryoday Small Finance Bank Ltd (SURYODAY) shares on Tickertape. Simply sign up, connect your demat account and place your order.