SURYODAY SMALL FIN BK LTD·SMALL FINANCE BANKS - SFBS 66.11·Banks

Price

177.13

+0.84%
O:175.65
H:179.61
L:175.65
C:177.13

52W Range

115.41190.78
+53%/-7%

Market Cap

₹1,882.71 Cr

Traded: ₹3.32 Cr (0.18%) 0.0x

Free Float: ₹828.77 Cr (0.40% of FF traded)

Volume · 60D trend

1.87 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:+2% 3M:+10% 6M:+34% 12M:+14%

Valuation

P/E12.4
P/B0.9
P/S--
EV/EBIT--

Business Strength

ROE-0.5%
ROCE-0.5%
OPM--
NPM--

Growth (3Y CAGR)

EPS+32.2%
Sales+22.0%
Profit+25.0%
3Y Return+4.0%

Balance Sheet

Debt/Equity8.2
Debt17,116 Cr
Pledge22.4%
CWIP/Fixed Asset0.0%

Cash Position

CFO/NP428.9%
FCF577 Cr
FCF 3Y Avg2,599 Cr
Cash/MCap87.0%

Others

Div Yield0.0%
Div Payout10.0%
Cash Conv. Cycle--
Tradeable Free Float44.0%

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 12.67 Cr
1.53% FF
60d high
₹ 12.69 Cr
60d low
₹ 6.72 Cr
60d mean
₹ 9.52 Cr
vs mean
▲ 33.09%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
+27.0%
+23.0%
+22.0%
--
+11.0%
Decelerating
ROE
+6.0%
+5.0%
+9.0%
--
--
Stable
Return
--
-6.0%
+4.0%
+19.0%
--
Accelerating
Profit
+19.0%
+67.0%
+25.0%
--
+32.0%
Stable

Quarterly Results

Mar 2026

PDF
Rev
--
----
OPM--
NPM--
PAT
+247% YoY50 Cr
EPS
+247% YoY4.7

Dec 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+10% YoY37 Cr
EPS
+10% YoY3.4

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-33% YoY30 Cr
EPS
-33% YoY2.9

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-50% YoY35 Cr
EPS
-50% YoY3.3

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-156% YoY-34 Cr
EPS
-156% YoY-3.2

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-42% YoY33 Cr
EPS
-42% YoY3.1

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-10% YoY45 Cr
EPS
-10% YoY4.3

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+47% YoY70 Cr
EPS
+47% YoY6.6

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+56% YoY61 Cr
EPS
+56% YoY5.7

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+217% YoY57 Cr
EPS
--5.4

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+287% YoY50 Cr
EPS
--4.7

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+514% YoY48 Cr
EPS
--4.5

Mar 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+181% YoY39 Cr
EPS
--3.7

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage4.7x
Promoter Pledge22.4%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow652 Cr
Investing Cash Flow-792 Cr
Financing Cash Flow412 Cr
Free Cash Flow577 Cr

Detailed Financials

Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Sales--------------------------
Expenses341310299309352270287271255221205212194
Operating Profit--------------------------
OPM %--------------------------
Other Income908180109604047706552525134
Interest285267261248226220207195174165154133119
Depreciation0000000000000
Profit Before Tax66483947-473860938076686350
Tax %24.0%24.0%23.0%25.0%-28.0%12.0%25.0%24.0%24.0%25.0%26.0%25.0%23.0%
Net Profit50373035-343345706157504839
Exceptional Items--------------------------
EPS (Rs)4.73.42.93.3-3.23.14.36.65.75.44.74.53.7
Sales Growth (YoY)--------------------------
Sales Growth (QoQ)--------------------------
OP Growth (YoY)--------------------------
OP Growth (QoQ)--------------------------
Profit Growth (YoY)247.0%10.0%-33.0%-50.0%-156.0%-42.0%-10.0%47.0%56.0%217.0%287.0%514.0%181.0%
EPS Growth (YoY)247.2%9.9%-33.0%-49.6%-155.5%-41.9%-9.9%47.1%56.1%--------
EPS Growth (QoQ)36.0%20.3%-13.9%204.4%-201.6%-26.7%-35.2%15.0%6.3%13.7%5.8%22.1%--
OP Margin--------------------------
Net Margin--------------------------
Material Cost %--------------------------
Employee Cost %23.7%23.5%24.3%23.3%24.6%21.5%21.6%23.3%24.4%22.7%22.4%21.0%22.2%
P/S--------------------------
P/E12.39------------------------
P/B0.91------------------------

Shareholding Pattern

Shareholders:95.0K (+0.7%)
Current MixMar 2026

Exchange Filings

50
Board Meeting06 Jul 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 23/07/2026 ,inter alia, to consider and approve the Unaudited Financial ....

Company Update03 Jul 2026

Please find attached herewith Communication to Shareholders of the Bank regarding Intimation of Tax Deduction on Dividend.

Company Update03 Jul 2026

Please find attached herewith Disclosure under Regulation 30 read with Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Company Update01 Jul 2026

Please find attached herewith disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Update on CGFMU claim

Insider Trading / SAST25 Jun 2026

Intimation of Closure of Trading Window for dealing in securities of the Bank in terms of the SEBI (Prohibition of Insider Trading) Regulations, 2015

Corp. Action25 Jun 2026

Please find attached herewith Intimation of Record date for payment of the Final Dividend

AGM/EGM25 Jun 2026

Please find attached herewith intimation for date of Annual General Meeting of the Bank.

Board Meeting25 Jun 2026

Outcome of the Board Meeting

AGM/EGM09 Jun 2026

Please find attached herewith results of e-voting on the resolutions put to vote through electronic means vide Postal Ballot Notice dated May 07, 2026, along with the Scrutinizer''s Report.

Company Update05 Jun 2026

Please find attached herewith intimation of receipt of approval of the RBI for the Re-appointment/continuation of the Joint Statutory Auditors of the Bank.

Board Meeting01 Jun 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 25/06/2026 ,inter alia, to consider and approve raising of funds ....

Company Update22 May 2026

Please find attached herewith Schedule of Analysts/ Institutional Investor Meet

Company Update22 May 2026

Please find attached herewith Annual Secretarial Compliance Report pursuant to Regulation 24A of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the Financial ....

Company Update13 May 2026

Please find attached herewith Transcript of the Conference Call.

Company Update13 May 2026

Please find attached herewith Schedule of Analysts/Institutional Investor Meet

Company Update12 May 2026

Please find attached herewith the intimation regarding approval of RBI for the re-appointment of Part-Time Chairman of the Bank.

Company Update09 May 2026

Please fins attached newspaper advertisement regarding Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026

Company Update09 May 2026

Please find attached herewith Newspaper Advertisement regarding dispatch of Postal Ballot Notice and E-voting related information.

AGM/EGM08 May 2026

Please find attached herewith Intimation regarding Postal Ballot Notice of the Bank.

Company Update08 May 2026

Please find attached herewith the Intimation regarding making available the Audio Recording of the Conference Call held on May 08, 2026.

Company Update08 May 2026

Please find attached herewith Investor Presentation (Revised) on the Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026.

Company Update07 May 2026

Press Release on the Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026

Company Update07 May 2026

Investor Presentation on the Audited Financial Results of the Bank for Quarter (Q-4) and financial year ended March 31, 2026

Result07 May 2026

Please find attached herewith outcome of Board Meeting of the Bank.

Result07 May 2026

Please find attached herewith Approval of the Audited Financial Results of the Bank for the Quarter (Q4) and Financial Year ended March 31, 2026 and other matters.

Board Meeting07 May 2026

Please find attached herewith Approval of the Audited Financial Results of the Bank for the Quarter (Q-4) and Financial Year ended March 31, 2026, and other matters

Company Update30 Apr 2026

Please find attached herewith Intimation regarding Conference Call to discuss the Audited Financial Results of the Bank for the quarter (Q4) and Financial Year ended March 31, 2026.

Board Meeting21 Apr 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 07/05/2026 ,inter alia, to consider and approve the Audited Financial ....

Company Update07 Apr 2026

Please find attached herewith intimation regarding appointment of Senior Management Personnel.

Company Update06 Apr 2026

Please find attached herewith Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026.

Company Update03 Apr 2026

Please find attached herewith Disclosure under Regulation 30 read with Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Insider Trading / SAST25 Mar 2026

Intimation of Closure of Trading Window for dealing in securities of the Bank in terms of the SEBI (Prohibition of Insider Trading) Regulations, 2015

Insider Trading / SAST19 Mar 2026

The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for Baskar Babu Ramachandran

Company Update18 Mar 2026

Please find attached herewith Intimation regarding purchase of 50,000 Equity Shares of the Bank by the Promoter and Managing Director & CEO of the Bank as per the Trading Plan

Company Update18 Mar 2026

Please find attached herewith Schedule of Analysts/ Institutional Investor Meet.

Company Update13 Mar 2026

Please find attached herewith Schedule of Analyst/Institutional Investor Meet

Company Update12 Mar 2026

Please find attached herewith Intimation about approval of Board of Directors for the appointment of Mr. Sunil Satyapal Gulati and Mr. Alok Sethi as Additional Directors (under Independent Category)

Company Update09 Mar 2026

Please find attached herewith Schedule of Analysts / Institutional Investor Meet.

Company Update05 Mar 2026

Please find attached herewith Schedule of Analyst/Institutional Investor Meet

AGM/EGM02 Mar 2026

Please find attached herewith Results of e-voting (i.e., Remote e-voting) on the Resolutions put to vote through electronic means vide the Postal Ballot Notice dated January 22, 2026, along ....

Company Update25 Feb 2026

Please find attached Clarification regarding Raising of Funds for an aggregate amount not exceeding Rs. 1,000 Crore.

Company Update12 Feb 2026

Please find attached herewith intimation regarding appointment/re-appoiment of Senior Management Personnel

Company Update10 Feb 2026

Please find attached herewith Intimation regarding Grant of Stock Options

Company Update30 Jan 2026

Intimation regarding Newspaper Advertisements for Postal Ballot, Remote e-voting and related matters

Company Update29 Jan 2026

Please find attached herewith Transcript of the Conference Call held on January 23, 2026 on the Un-audited Financial Results of the Bank for the Quarter (Q3) and Nine Months ended December 31, 2025.

AGM/EGM29 Jan 2026

Please find attached herewith Intimation regarding Postal Ballot Notice of the Bank.

Company Update24 Jan 2026

Newspaper Advertisements regarding Unaudited Financial Results of the Bank for the Quarter (Q-3) and Nine months ended December 31, 2025.

Company Update23 Jan 2026

Disclosure regarding making available the Audio Recording of the Conference Call held on January 23, 2026, on the Un-audited Financial Results of the Bank for the Quarter (Q-3) and Nine ....

Result23 Jan 2026

Please find attached herewith Unaudited Financial Results of the Bank for the quarter (Q3) and Nine Months ended December 31, 2025.

Board Meeting22 Jan 2026

Please find attached herewith Outcome of the meeting of the Board of Directors of the Bank held on January 22, 2026 - Approval of the Unaudited Financial Results of the Bank for the Quarter ....

Annual Reports

14

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

Credit Ratings

6
crisilRating update
21 Nov 2025Report
icraRating update
18 Mar 2025Report
crisilRating update
22 Nov 2024Report
icraRating update
19 Mar 2024Report
crisilRating update
24 Nov 2023Report
icraRating update
21 Mar 2023Report

Concalls

22

Jan 2026

31 Jan 2026

Nov 2025

30 Nov 2025

Jul 2025

31 Jul 2025

May 2025

31 May 2025

Jan 2025

31 Jan 2025

Oct 2024

31 Oct 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

Jun 2023

30 Jun 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Aug 2022

31 Aug 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

May 2021

31 May 2021