SURYODAY SMALL FIN BK LTD·SMALL FINANCE BANKS - SFBS 47.44·Banks

Price

137.97

-3.78%
O:141.35
H:143.79
L:136.55
C:137.97

52W Range

115.41218
+20%/-37%

Market Cap

₹1,466.48 Cr

Traded: ₹4.22 Cr (0.29%) 0.0x

Free Float: ₹882.53 Cr (0.48% of FF traded)

Volume · 60D trend

3.03 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-4% 3M:-11% 6M:-20% 12M:+4%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E7.6
P/B0.7
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 Float60.2%
SURYODAY137.97 -3.78% NSEBSE20% 29 Oct
NOUS
BNF
MCap1.5K Cr
Vol3.03 L
RVol
Del%
TVal4.22 Cr
RS
SEEM

MTF Exposure Trend

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

Current
₹ 20.29 Cr
2.30% FF
60d high
₹ 37.62 Cr
60d low
₹ 13.79 Cr
60d mean
₹ 26.29 Cr
vs mean
▼ 22.82%

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

Jun 2026

23 Jul
Rev
--
----
OPM--
NPM--
PAT
--▲75 Cr
EPS
--▲7.1

Mar 2026

PDF
Rev
--
+28% YoY--
OPM--
NPM--
PAT
+247% YoY▲50 Cr
EPS
+247% YoY▲4.7

Dec 2025

PDF
Rev
--
+11% YoY--
OPM--
NPM--
PAT
+10% YoY▲37 Cr
EPS
+10% YoY▲3.4

Sep 2025

PDF
Rev
--
+2% YoY--
OPM--
NPM--
PAT
-33% YoY▼30 Cr
EPS
-33% YoY▼2.9

Jun 2025

PDF
Rev
--
+1% YoY--
OPM--
NPM--
PAT
-50% YoY▲35 Cr
EPS
-50% YoY▲3.3

Mar 2025

PDF
Rev
--
+6% YoY--
OPM--
NPM--
PAT
-156% YoY▼-34 Cr
EPS
-156% YoY▼-3.2

Dec 2024

PDF
Rev
--
+19% YoY--
OPM--
NPM--
PAT
-42% YoY▼33 Cr
EPS
-42% YoY▼3.1

Sep 2024

PDF
Rev
--
+35% YoY--
OPM--
NPM--
PAT
-10% YoY▼45 Cr
EPS
-10% YoY▼4.3

Jun 2024

PDF
Rev
--
+36% YoY--
OPM--
NPM--
PAT
+47% YoY▲70 Cr
EPS
+47% YoY▲6.6

Mar 2024

PDF
Rev
--
+35% YoY--
OPM--
NPM--
PAT
+56% YoY▲61 Cr
EPS
+56% YoY▲5.7

Dec 2023

PDF
Rev
--
+41% YoY--
OPM--
NPM--
PAT
+217% YoY▲57 Cr
EPS
--▲5.4

Sep 2023

PDF
Rev
--
+34% YoY--
OPM--
NPM--
PAT
+287% YoY▲50 Cr
EPS
--▲4.7

Jun 2023

PDF
Rev
--
+27% YoY--
OPM--
NPM--
PAT
+514% YoY▲48 Cr
EPS
--▲4.5

Mar 2023

PDF
Rev
--
+39% YoY--
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

Jun 2026PDF ↗
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----------------------------
Expenses362341310299309352270287271255221205212194
Operating Profit----------------------------
Other Income148908180109604047706552525134
Interest307285267261248226220207195174165154133119
Depreciation00000000000000
Profit Before Tax10266483947-473860938076686350
Tax %26.0%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 Profit7550373035-343345706157504839
Exceptional Items----------------------------
EPS (Rs)7.14.73.42.93.3-3.23.14.36.65.75.44.74.53.7
Sales Growth (YoY)--27.8%11.5%2.5%1.4%5.8%18.8%35.2%36.3%35.0%40.8%33.5%27.2%39.3%
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/E7.6413.59------------------------
P/B0.710.99------------------------

Shareholding Pattern

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

Exchange Filings

50
Board Meeting22 Oct 2026

Please find attached herewith outcome of the Board meeting of the Bank held on October 22, 2026

Board Meeting17 Oct 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 22/10/2026 ,inter alia, to consider and approve proposal to raise ....

Company Update15 Oct 2026

Please find attached herewith update regarding receipt of approval from the Reserve Bank of India for the remuneration payable to the Managing Director & CEO and Whole-time Director (Executive ....

Company Update14 Oct 2026

Please find attached herewith Intimation regarding Conference Call to discuss the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended on September 30, 2026.

Company Update09 Oct 2026

Please find attached herewith Intimation regarding allotment of Non-Convertible Debentures

Company Update07 Oct 2026

Please find attached herewith Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026.

Board Meeting07 Oct 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/10/2026 ,inter alia, to consider and approve the Unaudited Financial ....

Company Update05 Oct 2026

Please find attached herewith Disclosure under Regulation 30 read with Schedule III of the SEBI (LODR) Regulations, 2015

Company Update01 Oct 2026

Please find attached herewith Intimation under Regulation 30 of SEBI (LODR) Regulations, 2015-Change in Senior Management Personnel

Company Update29 Sept 2026

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

Company Update22 Sept 2026

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

Board Meeting21 Sept 2026

Please find attached herewith Outcome of the meeting of the Board of Directors of the Bank held on September 21, 2026

Company Update21 Sept 2026

Please find attached herewith intimation regarding Grant of Stock Options to the Employees of the Bank under Suryoday ESOP Scheme - 2019

Board Meeting16 Sept 2026

Suryoday Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 21/09/2026 ,inter alia, to consider and approve raising of funds ....

Company Update10 Sept 2026

Please find attached herewith intimation regarding Grant of Stock Options to the employees of the Bank under Suryoday ESOP Scheme - 2019

Company Update13 Aug 2026

Please find attached herewith intimation regarding Allotment of Equity Shares of the Bank pursuant to exercise ESOP under Suryoday ESOP Scheme 2019

Company Update09 Aug 2026

Intimation regarding retirement of Mr. John Arunkumar Diaz as an Independent Director of the Bank and resignation of Mr. Krishna Kant Chaturvedi from the position of Company Secretary and ....

AGM/EGM07 Aug 2026

Please find attached herewith the Results of e-voting (i.e. Remote e-voting as well as e-voting during the AGM/ Insta-poll) on the Resolutions set out in the Notice convening 18th Annual ....

AGM/EGM06 Aug 2026

Please find attached herewith copy of the Scrutinizers Report of the Annual General Meeting of the Bank

AGM/EGM06 Aug 2026

Please find attached herewith proceedings of the 18th Annual General Meeting of the Bank

Company Update25 Jul 2026

Please find attached herewith Newspaper advertisement regarding Unaudited Financial Results of the Bank for the Quarter ended June 30, 2026.

Company Update24 Jul 2026

Please find attached herewith Intimation regarding making available the Audio Recording of the Conference Call held on July 24, 2026.

Board Meeting23 Jul 2026

Please find attached herewith Unaudited Financial Results of the Bank for the Quarter ended June 30, 2026.

Company Update23 Jul 2026

Please find attached herewith the Investor Presentation on unaudited financial result for the quarter ended June 30, 2026

Company Update23 Jul 2026

Please find attached herewith Press Release on the Unaudited Financial Results of the Bank for the Quarter ended June 30, 2026

Result23 Jul 2026

Please find attached herewith Unaudited Financial Results of the Bank for the quarter ended June 30, 2026.

Company Update15 Jul 2026

Please find attached herewith Intimation regarding Conference Call to discuss the Unaudited Financial Results of the Bank for the quarter ended on June 30, 2026.

Company Update15 Jul 2026

Please find attached herewith Newspaper Advertisements regarding the dispatch of notice of 18th AGM of the Bank and e-voting information

AGM/EGM14 Jul 2026

Please find attached herewith Notice of Eighteenth Annual General Meeting along with Annual Report for the Financial Year 2025-26

Others14 Jul 2026

Please find attached herewith Annual Report for the FY 2025-26

Others14 Jul 2026

Please find attached herewith Business Responsibility and Sustainability Reporting for the FY 2025-26

Company Update11 Jul 2026

Please find attached herewith newspaper advertisements regarding the 18th AGM of the Bank along with the related information.

Company Update10 Jul 2026

Please find attached herewith Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026.

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

Company Update03 Jul 2026

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

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

Board Meeting25 Jun 2026

Outcome of the Board Meeting

AGM/EGM25 Jun 2026

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

Corp. Action25 Jun 2026

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

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

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

Company Update22 May 2026

Please find attached herewith Schedule of Analysts/ Institutional Investor Meet

Company Update13 May 2026

Please find attached herewith Schedule of Analysts/Institutional Investor Meet

Company Update13 May 2026

Please find attached herewith Transcript of the Conference Call.

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

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

Held by Mutual Funds

2 schemes hold SURYODAY · sorted by weight

#SchemeWeight %
1

Bandhan Small Cap Fund

IDFC Mutual Fund

0.10%
2

Axis Aggressive Hybrid Fund

Axis Mutual Fund

0.05%