Check Before You Invest : Suryoday Small Finance Bank Ltd

Q: Which industry/sub-sector does Suryoday Small Finance Bank Ltd belong to?

Suryoday Small Finance Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.

Q: Is Suryoday Small Finance Bank Ltd a good quality company?

Suryoday Small Finance Bank Ltd is a average quality company, based on a somewhat consistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Suryoday Small Finance Bank Ltd undervalued or overvalued?

Suryoday Small Finance Bank Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 11.18, Historic Median: 10.51. Price to Book, Current: 0.82, Historic Median: 0.84. Price to Sales, Current: 0.79, Historic Median: 1.15. EV to EBITDA, Current: 7.66, Historic Median: 9.78

Q: Is Suryoday Small Finance Bank Ltd a good buy now?

Suryoday Small Finance Bank Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Total Income growth is 20.07% for FY-2025, which is in line with its 5-year CAGR of 20.51%, indicating stable growth.

Q: Return on Assets of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Return on Asset is 0.8%, which is in line with its 5-year historical median of 0.8%, indicating stable earnings on assets. Efficiency & Key Metrics. NIM (%), Current: 7.46, Historic Median: 7.51. PPOP (%), Current: -14.32, Historic Median: 27.17. RoA (%), Current: 0.8, Historic Median: 0.8

Q: Return on Equity (ROE) of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Return on Equity is 6.2% for FY-2025, which is above its 5-year historical median of 5.1%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -14.32% for FY-2025, which is below its 5-year median(27.17%), indicating decreasing margins.

Q: Net Interest Margin of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Net Interest Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 7.46% for FY-2025, which is in line with its 5-year median( 7.51%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

Suryoday Small Finance Bank Ltd return on invested capital (ROIC) is 15.94% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Check Before You Invest : Suryoday Small Finance Bank Ltd

BSE: 543279 NSE: SURYODAY ISIN: INE428Q01011

| Sector: BFSI | Industry: Bank - Private

Snapshot

Q.1 Which industry/sub-sector does Suryoday Small Finance Bank Ltd belong to?

Suryoday Small Finance Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.

Q.2 Is Suryoday Small Finance Bank Ltd a good quality company?

Suryoday Small Finance Bank Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Suryoday Small Finance Bank Ltd undervalued or overvalued?

Suryoday Small Finance Bank Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	11.18	10.51
Price to Book	0.82	0.84
Price to Sales	0.79	1.15
EV to EBITDA	7.66	9.78

Q.4 Is Suryoday Small Finance Bank Ltd a good buy now?

Suryoday Small Finance Bank Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Total Income growth is 20.07% for FY-2025, which is in line with its 5-year CAGR of 20.51%, indicating stable growth.

Q.2 Return on Assets of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Return on Asset is 0.8%, which is in line with its 5-year historical median of 0.8%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NIM (%)	7.46	7.51
PPOP (%)	-14.32	27.17
RoA (%)	0.8	0.8

Q.3 Return on Equity (ROE) of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Return on Equity is 6.2% for FY-2025, which is above its 5-year historical median of 5.1%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -14.32% for FY-2025, which is below its 5-year median(27.17%), indicating decreasing margins.

Q.5 Net Interest Margin of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Net Interest Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 7.46% for FY-2025, which is in line with its 5-year median( 7.51%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?

Suryoday Small Finance Bank Ltd return on invested capital (ROIC) is 15.94% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Total Asset growth is 26.14% for FY-2025, which is above its 5-year CAGR of 23.82%, indicating faster growth.

Q.8 Cost to Income ratio of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Cost to Income ratio which represents the cost incurred for every Rs.100 earned is 70.6% for FY-2025, is higher its historical 5-year median of 61.6%, indicating improved cost management.

C: How strong is the bank’s capital position and asset quality?

Q.9 Capital Adequacy ratio of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Capital Adequacy ratio (CAR) is 25.8% for FY-2025, which is above the regulatory requirement of 12%, indicating strong capital position.

Q.10 Asset Quality of Suryoday Small Finance Bank Ltd?

Suryoday Small Finance Bank Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 7.16% for FY-2025, which is in line with its 5-year median 7.16%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 4.58% which is in line with its 5-year median( 4.58%), indicating stable asset quality.

Ownership & governance

D: Promoter shareholding and pledge status of Suryoday Small Finance Bank Ltd?

Q.1 Promoter shareholding and pledge status of Suryoday Small Finance Bank Ltd?

Promoters hold 22.48% of the Suryoday Small Finance Bank Ltd, with 22.35% of their stake pledged, indicating high pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Suryoday Small Finance Bank Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Suryoday Small Finance Bank Ltd vs Industry Peers?

Suryoday Small Finance Bank Ltd AUM CAGR is 23.82%, compared to the 5-year industry median CAGR of 13.65%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NIM, PPOP, RoA) of Suryoday Small Finance Bank Ltd vs industry peers

Suryoday Small Finance Bank Ltd profit metrics are in line with the industry median level of 7.55%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NIM (%)	7.46	3.73
PPOP (%)	-14.32	17.81
RoA (%)	0.8	1.1

Q.3 Operating efficiency of Suryoday Small Finance Bank Ltd vs industry peers?

Suryoday Small Finance Bank Ltd Cost to Income (61.25) is in line with the industry median of (61.3); while the current ROE (5.1) are below than the 5-year average Industry ROE (12.2). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NIM (%)	7.46	3.73
PPOP (%)	-14.32	17.81
RoA (%)	0.8	1.1
Cost to Income (%)	70.6	61.3
ROE (%)	6.2	12.2

Valuation & price assessment

Q.1 Stock return of Suryoday Small Finance Bank Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of -7.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-7.7%	6.5%	27.2%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	11.18	10.51	13.38
Price to Book	0.82	0.84	1.38
Price to Sales	0.79	1.15	1.77
EV to EBITDA	7.66	9.78	7.70

Q.3 Valuation ratios of Suryoday Small Finance Bank Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.82 is lower than its historical median of 0.84, indicating that the stock is trading below its historical average valuation.

Check more companies

1. Bandhan Bank

2. Karur Vysya Bank

3. RBL Bank

4. City Union Bank

5. J&K Bank

6. Tamilnad Mercantile

7. South Indian Bank

8. Ujjivan Small Fin

9. Karnataka Bank

10. Equitas Small Fin.

Check trending companies

1. Indiamart Intermesh Ltd.

2. Kalpataru Projects International Ltd.

3. Alkyl Amines Chemicals Ltd.

4. Suzlon Energy Ltd.

5. Neuland Laboratories Ltd.

Check Before You Invest : Suryoday Small Finance Bank Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.