What is Suryoday Small Finance Bank Ltd (SURYODAY) share price return in the past 10 years?

Data is not available for this company

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

Company share prices are keep on changing according to the market conditions. The current trading price of Suryoday Small Finance Bank Ltd (SURYODAY) on 01-Jul-2026 11:11:00 at 11:11 is 176.65.

What is the P/E ratio of Suryoday Small Finance Bank?

The latest standalone P/E ratio of Suryoday Small Finance Bank as of 01-Jul-2026 is 12.26.

What is the P/B ratio of Suryoday Small Finance Bank Ltd (SURYODAY)?

The latest standalone P/B ratio of Suryoday Small Finance Bank Ltd (SURYODAY) as of 01-Jul-2026 is 0.90.

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

The 52-week high of Suryoday Small Finance Bank Ltd (SURYODAY) is Rs. 190.95 and the 52-week low is Rs. 115.30.

Suryoday Small Finance Bank Ltd (SURYODAY) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Suryoday Small Finance Bank Ltd (SURYODAY)
Brand: Suryoday Small Finance Bank

Suryoday Small Finance Bank Ltd (SURYODAY)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543279 NSE: SURYODAY Bank - Private | Small Cap | Suryoday Small Fin. Share Price

Suryoday Small Finance Bank Ltd (SURYODAY)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543279 NSE: SURYODAY Bank - Private | Small Cap | Suryoday Small Fin. Share Price

Key Metrics

Valuation Multiples

Market Cap

₹1,864 Cr.

Current Price

₹176.7

52-Week Low / High

₹115 / 191

TTM EPS

₹14.3

TTM Sales

₹2,160 Cr.

Book Value per Share

₹195.5

P/E Ratio

12.26

Higher than its 5-year historical median

Industry PE

18.5

Price to Book (P/B)

0.90

Higher than its 5-year historical median

EV/EBITDA

8.09

Lower than its 5-year historical median

Dividend Yield

Profitability Efficiency

Return on Equity (ROE)

6.20%

Return on Capital Employed (ROCE)

7.19%

Net Interest Margin (NIM)

7.46%

Return on Assets (ROA)

0.82%

Growth Momentum
1-yr vs 3-yr growth

Deposit Growth (1 Year)

Slowing versus 3-year growth rate

36.04%

Net Interest Income Growth (1 Year)

Slowing versus 3-year growth rate

14.96%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

6.61%

Asset Quality

CASA

20.9%

Gross NPA(%)

7.16%

Net NPA(%)

4.58%

Cost to Income Ratio

70.59%

Cost of Liabilities

6.38%

Reserves

₹1,972 Cr.

Equity

₹106.3 Cr.

Face Value

₹10

All Time Low / High

₹77.20 / 295.95

Suryoday Small Finance Bank stock performance

Key Ratios

Check Before You Invest

Quality

Somewhat Good

Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Strong

Check Price chart

Q.1 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.

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.

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.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.

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.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Net Interest Income (₹ Cr.)	104	138	164	339	491	411	584	747	962	1,106	1,099
YoY Gr. Rt. %	-	33.1%	18.3%	106.9%	44.8%	-16.3%	42.4%	27.7%	28.9%	15%	-
Total Income	200	255	325	597	854	853	1,035	1,281	1,808	2,171	2,520
YoY Gr. Rt. %	-	27.4%	27.5%	83.7%	43.1%	-0.2%	21.5%	23.7%	41.1%	20.1%	-
Adj EPS (₹ )	7.2	2.4	1.5	10.6	12.8	1.1	-8.8	7.3	20.3	10.8	14.3
YoY Gr. Rt. %	-	-67%	-36.4%	607.3%	20.7%	-91.3%	-882.1%	NA	177.9%	-46.8%	-
BVPS (₹ )	51.3	78	79.5	107.4	122.3	149.5	140.9	148.5	169	180.2	195.5
YoY Gr. Rt. %	-	51.9%	1.9%	35.1%	13.9%	22.2%	-5.8%	5.4%	13.9%	6.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.8	1.1	0.5	2.9	2.4	0.2	-1.3	0.9	1.9	0.8	0.8
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	3.8	1.9	0.4	0.6	4.7	6	1.6	0.9	4.6	4.2
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	30%	17.7%	23.7%	15%
Total Income	30.3%	20.5%	28%	20.1%
Adj EPS	4.7%	-3.3%	NA	-46.8%
BVPS	15%	8.1%	8.5%	6.6%
Share Price	-	-4.4%	0.7%	26%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Interest Earned / Total Income	99.39	99.55	88.29	88.79	89.76	91.04	90.96	92.4	87.87	89.99	85.7
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	9	9	7.8	9.4	9.5	6.4	7.5	7.9	8.1	7.5	5.5
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	16.7	4.3	2	12.3	11.5	0.9	-6	5.1	12.8	6.2	7.3
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	0	8.3	11	11.3	11.5	15.5	18.8	17.1	20.1	20.9	-

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	200	255	325	597	854	853	1,035	1,281	1,808	2,171
Interest Income	199	254	287	530	767	776	942	1,184	1,589	1,954
Other Income ⓘ	1	1	38	67	87	76	94	97	219	217
Expenditure +	154	217	255	385	548	694	770	944	1,354	1,782
Interest Expense	95	115	123	191	276	366	357	437	626	848
Operating Expenses	59	102	131	194	272	329	413	507	728	934
Provisions	5	14	55	74	152	146	392	237	166	245
Profit Before Tax	42	24	16	138	154	12	-127	101	288	144
Taxes	14	9	6	52	43	0	-34	23	72	29
Profit After Tax	27	15	10	87	111	12	-93	78	216	115
Adjusted EPS (₹)	7.16	2.36	1.50	10.61	12.81	1.12	-8.76	7.32	20.34	10.82
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Valuation of Suryoday Small Fin. - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Share Capital ⓘ	38	64	67	82	87	106	106	106	106	106
Total Reserves ⓘ	158	436	469	794	973	1,481	1,390	1,470	1,689	1,809
Deposits	0	22	750	1,593	2,849	3,256	3,854	5,167	7,777	10,580
Borrowings ⓘ	956	1,022	718	1,124	1,265	1,667	2,551	2,765	2,443	2,710
Minority Interest	0	0	0	0	0	0	0	0	0	0
Other Liabilities	40	61	160	168	192	203	279	353	363	409
Total Liabilities ⓘ	1,193	1,604	2,164	3,761	5,365	6,712	8,180	9,861	12,378	15,614
Assets
Balance with RBI	2	27	31	48	61	103	607	784	814	1,466
Balance with Banks	171	107	176	228	777	494	370	41	366	243
Investments ⓘ	0	594	311	664	808	1,874	2,058	2,570	2,599	3,137
Advances	983	820	1,575	2,680	3,532	3,983	4,751	6,015	8,078	9,974
Net Block ⓘ	2	6	13	18	30	35	66	163	152	156
Other Assets	35	49	57	122	148	216	279	286	352	503
Total Assets ⓘ	1,193	1,604	2,164	3,761	5,365	6,712	8,180	9,861	12,378	15,614

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-350	-231	458	-548	526	-876	-347	-98	935	1,320
Cash Flow From Investing Activity ⓘ	-2	-158	-84	-14	-167	-280	-158	-266	-263	-1,059
Cash Flow From Financing Activity ⓘ	399	350	-285	658	210	915	885	213	-322	268
Net Cash Flow ⓘ	47	-39	88	97	569	-241	381	-150	349	529

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	7.20	2.40	1.50	10.60	12.80	1.10	-8.80	7.30	20.30	10.80
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	51.3	78	79.5	107.4	122.3	149.5	140.9	148.5	169	180.2
Margin Ratios
Yield on Advances (%)	20.2	31.0	18.2	19.8	21.7	19.5	19.8	19.7	19.7	19.6
Yield on Investments (%)	1,159.8	1.6	8.0	5.7	7.4	4.9	5.1	4.5	7.2	6.6
Cost of Liabilities (%)	9.9	11.0	8.4	7.0	6.7	7.4	5.6	5.5	6.1	6.4
NIM (%)	9.0	9.0	7.8	9.4	9.5	6.4	7.5	7.9	8.1	7.5
Interest Spread (%)	10.3	19.9	9.8	12.7	15.0	12.1	14.2	14.2	13.5	13.2
Performance Ratios
ROA (%)	2.8	1.1	0.5	2.9	2.4	0.2	-1.3	0.9	1.9	0.8
ROE (%)	16.7	4.3	2.0	12.3	11.5	0.9	-6.0	5.1	12.8	6.2
ROCE (%)	17.3	10.4	8.2	15.1	11.5	5.0	0.1	6.3	11.1	7.2
Efficiency Ratios
Cost to Income Ratio (%)	56.0	72.9	65.1	47.7	47.1	67.5	60.9	60.0	61.6	70.6
Operating Costs to Assets (%)	4.9	6.3	6.1	5.2	5.1	4.9	5.1	5.1	5.9	6.0
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	1.8	0.6	0.6	1.0	0.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

22.45

22.53

22.39

13.17

22.35

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Suryoday Small Finance Bank Ltd FAQs

The current trading price of Suryoday Small Fin. on 01-Jul-2026 11:11 is ₹176.7.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 30-Jun-2026 the market cap of Suryoday Small Fin. stood at ₹1,863.8 Cr

The latest P/E ratio of Suryoday Small Fin. as of 30-Jun-2026 is 12.26.

The latest P/B ratio of Suryoday Small Fin. as of 30-Jun-2026 is 0.90.

The 52-week high of Suryoday Small Fin. is ₹190.9 and the 52-week low is ₹115.3.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suryoday Small Fin. is ₹2,160 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Suryoday Small Finance Bank Ltd is a average quality company.

The key valuation ratios of Suryoday Small Finance Bank Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Suryoday Small Finance Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About Suryoday Small Finance Bank Ltd

The bank was among the leading Small Finance Banks (SFBs) in India in terms of net interest margins, return on assets, yields and deposit growth. It has for over a decade been serving customers in the unbanked and underbanked segments in India and promoting financial inclusion. The bank commenced its microfinance operations in 2009 and has since expanded its operations across several states and union territories. Its delivery platform also includes partnering with business correspondents (BCs) for sourcing both asset and liability business and has expanded its network and presence through their reach to promote financial inclusion. It has arrangements with various payment banks in India and has been able to leverage its relationship with such payment banks to grow its deposit base. Its distribution network also comprises its ATMs, phone banking, mobile banking, tablet banking, unified payment interface, CSPs, and internet banking services.

Business area of the bank

The bank currently offers a variety of asset and liability products and services designed for inclusive finance and general banking customers. Its asset products consist of its inclusive finance portfolio (comprising loans to JLG customers), commercial vehicle loans, affordable housing loans, micro business loans, unsecured micro and small enterprise and small and medium enterprise loans, secured business loans, financial intermediary group loans and other loans. The bank has leveraged the use of technology across all aspects of its operations. In particular, it uses digital technology for customer acquisition and also customer lifecycle management. Its employees use tablets to service customers in the unbanked and underbanked segments which has led to greater customer convenience and improved operational efficiency. It also has a robust back-end operating system supported by its core banking system and document management system.

Major events and milestones

2008: Incorporation of Suryoday Micro Finance, founded and promoted by Baskar Babu Ramachandran, Ganesh Rao and V. L. Ramakrishnan.
2009: Received RBI license for establishing an NBFC and commenced microfinance operations.
2009: Investment by Aavishkaar Goodwell India Micro Finance Development Company Limited in Bank.
2012: Investment from HDFC Holdings Limited and HDFC Standard Life Insurance Company Limited in Bank.
2013: Investment by Lok Capital II LLC in Bank.
2014: Investment by IFC in Bank.
2014: Received listing permission from BSE in wholesale debt segment to issue debt securities.
2015: We became a public limited company in June 2015.
2015: 159 branches and 0.49 million customers as on March 31, 2015.
2015: Received in-principle approval from RBI to establish an SFB.
2015: Investment by DWM (International) Mauritius in Bank.
2016: Received RBI final Approval to commence its SFB operations.
2017: Commenced operations as an SFB in January 2017.
2017: Included in second schedule to the RBI Act.
2018: A new cluster of retail assets to provide finance for commercial vehicles, housing, MSME and loan against property upon initiating SFB operations.
2019: Investments by DEG in Bank.
2020: Investments by Kotak Mahindra Life Insurance Company Limited and Teachers Insurance and Annuity Association of America in Bank.

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Suryoday Small Finance Bank Ltd (SURYODAY)

Suryoday Small Finance Bank Ltd (SURYODAY)

Suryoday Small Finance Bank stock performance

Check Before You Invest

Quality

Valuation

Price Trend

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of Suryoday Small Fin. - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Margin Ratios

Performance Ratios

Efficiency Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Suryoday Small Finance Bank Ltd FAQs

What is the share price of Suryoday Small Fin.?

What is the market cap of Suryoday Small Fin.?

What is the P/E ratio of Suryoday Small Fin.?

What is the P/B ratio of Suryoday Small Fin.?

What is the 52-week high and low of Suryoday Small Fin.?

What is the TTM revenue of Suryoday Small Fin.?

Is Suryoday Small Finance Bank Ltd a good quality company?

Is Suryoday Small Finance Bank Ltd undervalued or overvalued?

Is Suryoday Small Finance Bank Ltd a good buy now?

About Suryoday Small Finance Bank Ltd

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