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Suryoday Small Finance Bank Ltd

Suryoday Small Finance Bank Ltd

SURYODAY Share Price

NSE
184.624.39% (-8.48)
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With a market cap of ₹2,052 cr, stock is ranked 1,220

Stock is 3.14x as volatile as Nifty

SURYODAY Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

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 ₹2,052 cr, stock is ranked 1,220

Stock is 3.14x as volatile as Nifty

SURYODAY Performance & Key Metrics

SURYODAY Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
10.700.990.78%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.162.121.18%

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
15.05
15.05
1Y Return
26.36%
26.36%
Buy Reco %
97.50
97.50
PE Ratio
18.96
18.96
1Y Return
2.87%
2.87%
Buy Reco %
100.00
100.00
PE Ratio
19.84
19.84
1Y Return
2.20%
2.20%
Buy Reco %
81.08
81.08
PE Ratio
14.47
14.47
1Y Return
14.33%
14.33%
Buy Reco %
94.87
94.87
PE Ratio
9.92
9.92
1Y Return
8.47%
8.47%
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 · May 2026

Management struck a cautious but constructive tone, emphasizing improving asset quality and a pivot toward granular retail growth while managing legacy stress; GNPA stood at 6.5% and management reiterated ROA guidance rising from about 1.2% in Q1 to roughly 1.6% by Q4. They underscored strategic priorities including accelerating migration from group JLG lending to individual Vikas loans, expanding digitally sourced deposits and cross‑sell opportunities, disciplined branch rollout and tight operating‑cost control, and active remediation of localized stressed pockets in commercial vehicles and a few large mortgages. Management said the credit‑guarantee mechanism materially mitigated earnings impact and that claim timing can be flexed into early quarters to smooth outcomes, even as slippages have improved QoQ and some legacy provisions remain on the book. They balanced growth ambitions (measured expansion into secured retail segments and a cautious new UPI short‑tenor product rollout) with a conservative capital posture and reiterated near‑term targets for improving profitability and materially lower credit‑cost run‑rates into FY27.

SURYODAY Stock Growth Drivers
SURYODAY Stock Growth Drivers
7
  • Digital liability and product ecosystem driving low‑cost, granular growth

    The bank’s digital strategy is producing tangible franchise benefits: digital channels account for roughly half

  • Strategic shift to individual lending and multi‑product customer graduation

    The bank has materially rebalanced its inclusive finance mix from group JLG lending toward individual

SURYODAY Stock Challenges
SURYODAY Stock Challenges
5
  • Persistently elevated and concentrated asset‑quality stress

    The bank faces a continuing run of slippages and localized stress that keep headline asset

  • Sustained provisioning and credit‑cost disconnect despite lower slippages

    Reported credit cost remained largely unchanged quarter‑on‑quarter despite a ~40% decline in slippages, reflecting a

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 Ltd13.510.990.78%
HDFC Bank Ltd15.051.882.09%
ICICI Bank Ltd18.962.710.84%
Kotak Mahindra Bank Ltd19.842.110.17%

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

Decreased 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 decreased by 1.40%

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%1.59%3.88%5.35%66.70%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

SURYODAY Shareholding History

SURYODAY Shareholding History

MarJunSepDec '25MarJun4.67%4.68%4.66%4.97%5.23%5.35%

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)
1.4077%0.10%0.01%70/279 (+9)
0.0388%0.05%0.02%66/133 (+50)

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

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 days 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

4 days agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank schedules board meeting

Suryoday Small Finance Bank will hold a meeting of the Board of Directors of the Company on 23 July 2026.

2 weeks agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank to convene AGM

Suryoday Small Finance Bank announced that the Annual General Meeting(AGM) of the bank will be held on 6 August 2026.

1 month agoCapital Market - Live
Spotlight
Spotlight
Suryoday SFB gains after board to mull fundraising plan

The board will evaluate raising capital through the issuance of equity shares, equity-linked securities, warrants, or other eligible instruments. The fundraising may be undertaken through a rights issue, preferential allotment, private placement, qualified institutional placement (QIP), or any other permissible route, subject to shareholder approvals. In addition, the board will consider raising funds through debt instruments, including bonds, non-convertible debentures (NCDs), and other debt securities. 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 bank reported standalone net profit of Rs 49.72 crore in Q4 FY26 compared with net loss of Rs 33.78 crore in Q4 FY25. Total income increased 30.83% YoY to Rs 691.89 crore in Q4 FY26.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Corporate
Board of Suryoday Small Finance Bank recommends final dividend

Suryoday Small Finance Bank announced that the Board of Directors of the Company at its meeting held on 7 May 2026, inter alia, have recommended the final dividend of Rs 1.5 per equity Share (i.e. 15%) , subject to the approval of the shareholders.

2 months agoCapital Market - Live
Earnings
Earnings
Suryoday Small Finance Bank reports standalone net profit of Rs 49.72 crore in the March 2026 quarter

Net profit of Suryoday Small Finance Bank reported to Rs 49.72 crore in the quarter ended March 2026 as against net loss of Rs 33.78 crore during the previous quarter ended March 2025. Total Operating Income rose 27.84% to Rs 601.59 crore in the quarter ended March 2026 as against Rs 470.58 crore during the previous quarter ended March 2025. For the full year,net profit rose 32.18% to Rs 151.97 crore in the year ended March 2026 as against Rs 114.97 crore during the previous year ended March 2025. Total Operating Income rose 10.57% to Rs 2160.29 crore in the year ended March 2026 as against Rs 1953.75 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Total Operating Income601.59470.58 28 2160.291953.75 11 OPM %43.2825.30 -41.7339.63 - PBDT65.65-46.78 LP 199.57143.83 39 PBT65.65-46.78 LP 199.57143.83 39 NP49.72-33.78 LP 151.97114.97 32 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Corporate
Suryoday Small Finance Bank announces board meeting date

Suryoday Small Finance Bank will hold a meeting of the Board of Directors of the Company on 7 May 2026.

3 months agoCapital Market - Live
Spotlight
Spotlight
Suryoday SFB rallies after Q4 deposits rises 32% YoY to Rs 13,958 crore

Gross advances jumped 29% YoY to Rs 13,201 crore in Q4 FY26, compared with Rs 10,251 crore in Q4 FY25. Disbursement surged 46% to Rs 3,077 crore in Q4 FY26, compared with Rs 2,101 crore in Q4 FY25. In Q4 FY26, retail deposits rose 3% YoY to Rs 12,003 crore while bulk deposits fell 2% YoY to Rs 1,955 crore. CASA stood at Rs 3,141 crore in Q4 FY26, up 42% compared with Rs 2,212 crore.CASA ratio stood at 22.5% in Q4 FY26 as against 20.9% in Q4 FY25. As of 31st March 2026, gross non-performing assets (GNPA) stood at Rs 864 crore, provision stood at Rs 317 crore, net non-performing assets (NNPA) stood at Rs 547 crore. 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 bank has a wide presence across 15 states and Union Territories in India through its 710 banking outlets, with a strong presence in Maharashtra, Tamil Nadu, and Odisha. It offers a wide array of services to customers through its asset and liability products via multiple delivery channels. The bank reported a 9.79% increase in consolidated net profit to Rs 36.56 crore on 18.46% increase in total income to Rs 624.75 crore in Q3 FY26 over Q3 FY25.

3 months agoCapital Market - Live
Spotlight
Spotlight
Suryoday SFB total deposits jumps 32% YoY in Q4 FY26

Gross advances jumped 29% YoY to Rs 13,201 crore in Q4 FY26, compared with Rs 10,251 crore in Q4 FY25. Disbursement surged 46% to Rs 3,077 crore in Q4 FY26, compared with Rs 2,101 crore in Q4 FY25. In Q4 FY26, retail deposits rose 3% YoY to Rs 12,003 crore while bulk deposits fell 2% YoY to Rs 1,955 crore. CASA stood at Rs 3,141 crore in Q4 FY26, up 42% compared with Rs 2,212 crore.CASA ratio stood at 22.5% in Q4 FY26 as against 20.9% in Q4 FY25. As of 31st March 2026, gross non-performing assets (GNPA) stood at Rs 864 crore, provision stood at Rs 317 crore, net non-performing assets (NNPA) stood at Rs 547 crore. 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 bank has a wide presence across 15 states and Union Territories in India through its 710 banking outlets, with a strong presence in Maharashtra, Tamil Nadu, and Odisha. It offers a wide array of services to customers through its asset and liability products via multiple delivery channels. The bank reported a 9.79% increase in consolidated net profit to Rs 36.56 crore on 18.46% increase in total income to Rs 624.75 crore in Q3 FY26 over Q3 FY25. The counter fell 0.04% to settle at Rs 125.65 on the BSE. The stock market will remain closed today, 4 April 2026, on account of Good Friday.

3 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Suryoday Small Finance Bank Ltd (SURYODAY) today?

    The share price of SURYODAY as on 27th July 2026 is ₹184.62. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Suryoday Small Finance Bank Ltd (SURYODAY) share?

    The past returns of Suryoday Small Finance Bank Ltd (SURYODAY) share are
    • Past 1 week: 3.10%
    • Past 1 month: 7.28%
    • Past 3 months: 23.59%
    • Past 6 months: 41.48%
    • Past 1 year: 42.84%
    • Past 3 years: 6.32%
    • Past 5 years: -10.79%

  3. What are the peers or stocks similar to Suryoday Small Finance Bank Ltd (SURYODAY)?

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

  4. What is the dividend yield % of Suryoday Small Finance Bank Ltd (SURYODAY) share?

    The current dividend yield of Suryoday Small Finance Bank Ltd (SURYODAY) is 0.78.

  5. What is the market cap of Suryoday Small Finance Bank Ltd (SURYODAY) share?

    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 ₹2052.46 Cr as of 27th July 2026.

  6. What is the 52 week high and low of Suryoday Small Finance Bank Ltd (SURYODAY) share?

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

  7. What is the PE and PB ratio of Suryoday Small Finance Bank Ltd (SURYODAY) stock?

    The P/E (price-to-earnings) ratio of Suryoday Small Finance Bank Ltd (SURYODAY) is 13.51. The P/B (price-to-book) ratio is 0.99.

  8. Which sector does Suryoday Small Finance Bank Ltd (SURYODAY) belong to?

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

  9. How to buy Suryoday Small Finance Bank Ltd (SURYODAY) shares?

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