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Suryoday Small Finance Bank
Small Cap•8,214 Employees•IPO 2021
Current Price
₹128.50
2.18 (1.73%)Updated
Valuation vs Sector
P/E Ratio
20.76vs 8.78
P/B Ratio
0.71vs 1.45
Div Yield
0.00%vs 2.17%
Today's Range
123.82
₹128.50
128.67
52 Week Range
52W Low₹97.97
52W High₹161.48
₹128.50
Downside31.16%
Upside25.67%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹1,335.53 Cr
Market Cap
Total market value of companyP/E Ratio
19.17
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.73
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹6.44
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
3.46%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
7.28%
ROCE
Return on Capital Employed. >15% is goodNet Margin
15.46%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
0.64%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
32.79%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
1.44%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-49.60%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.42
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹181.31
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
22.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Strong operational efficiency with OPM of 37.90% indicates robust profitability.
- •Price to Book Value of 0.84 suggests potential undervaluation.
Weaknesses
5 points- •Significantly high debt-to-equity ratio of 6.97 raises solvency concerns.
- •Promoter holding notably low at 22.4% signals weak management commitment.
Opportunities
5 points- •Focus on financial inclusion offers substantial untapped growth potential.
- •Broader financial sector growth driven by digitalization and government initiatives.
Threats
4 points- •Intense competition from established and emerging banks pressures margins.
- •Stringent regulatory oversight; adverse policy changes could impact profitability.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Baskar Babu Ramachandran | 17 Mar 2025 | 18 Mar 2025 | 55.02 L | 1.50 L | ₹100.29 | BUY |
NARAYAN VASUDEVA RAO | 27 May 2025 | 28 May 2025 | 1,000 | 99,000 | ₹125.88 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹139.87 | +₹11.37 | +8.85% |
| R3 | ₹135.02 | +₹6.52 | +5.08% |
| R2 | ₹131.85 | +₹3.35 | +2.60% |
| R1 | ₹130.17 | +₹1.67 | +1.30% |
| PIVOT | ₹127.00 | -1.50 | -1.17% |
| CURRENT | ₹128.50 | - | - |
| S1 | ₹115.62 | -₹12.88 | -10.02% |
| S2 | ₹120.47 | -₹8.03 | -6.25% |
| S3 | ₹122.15 | -₹6.35 | -4.94% |
| S4 | ₹125.32 | -₹3.18 | -2.47% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-24.5% vs avg
3.24L
(12 Mar 2026)Delivery %+1.8% vs avg
59.5%
(12 Mar 2026)Avg Volume (20D)20-day average
4.29L
(12 Feb - 12 Mar)Avg Delivery %Trend ↓
57.7%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
DCB Bank Ltd
18.30 %
Highest Dividend Yield
Karnataka Bank Ltd
2.40 %
Peer Comparison
| Company Name |
|---|
 DCB Bank Ltd |
 ESAF Small Finance Bank Ltd |
 Fino Payments Bank Ltd |
 HDFC Bank Ltd |
 Jana Small Finance Bank Ltd |
 Karnataka Bank Ltd |
 Utkarsh Small Finance Bank Ltd |
About
Suryoday Small Finance Bank Ltd
Suryoday Small Finance Bank Limited is an Indian banking institution dedicated to financial inclusion, primarily serving individuals and businesses previously lacking adequate access to financial services. Their core business model centers on providing a comprehensive range of banking products and services to the unserved and underserved populations across India.
The bank operates through four key segments: Treasury, Retail Banking, Corporate Banking/Wholesale, and Other Banking Operations. Within Retail Banking, they offer a diverse suite of deposit accounts, including savings, current, term, fixed, and recurring deposits, catering to various customer needs and saving preferences. Their lending services are equally broad, encompassing mortgage and commercial vehicle financing, microfinance loans, working capital and personal loans, and loans targeting micro, small, and medium enterprises (MSMEs), as well as non-banking finance companies (NBFCs).
Suryoday's loan portfolio extends further to include home loans, secured business loans, joint liability group loans, two-wheeler loans, and individual loans. They also actively participate in government-sponsored schemes such as emergency credit line guarantee schemes, highlighting their commitment to supporting vulnerable populations. Beyond lending and deposits, the bank provides a full spectrum of ancillary financial services to enhance customer convenience and financial well-being.
These services include debit cards for convenient transactions, NRI banking services for customers residing outside India, and a suite of digital banking solutions encompassing internet, phone, and mobile banking, as well as other digital payment options. Recognizing the importance of comprehensive financial planning, Suryoday also offers life and general insurance services, partnering with insurance providers to offer clients a holistic financial experience. Finally, they participate in and provide access to social security schemes, further solidifying their commitment to financial inclusion and the well-being of their customers.
COMPANY FACTS - SURYODAY
Registered Address
1101, Sharda Terraces,, Plot 65, Sector 11, CBD Belapur,
Navi Mumbai
MAHARASHTRA
IN
Website:https://www.suryodaybank.com/
Investor Relations:http://www.suryodaybank.com/financials
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 8,214
IPO Date: 26/03/2021
MANAGEMENT - SURYODAY
Sri. Krishna Nair
Non-Executive Part-time Chairman
Mr. Baskar Ramachandran
Chief Executive Officer, Managing Director, Executive Director
Mr. Kanishka Chaudhary
Chief Financial Officer
Mr. Krishna Chaturvedi
Compliance Officer, Company Secretary
Mr. Hemant Shah
Additional Whole-time Director
Mr. Gaurav Popat
Chief of Internal Vigilance, Chief Audit Officer
Mr. Aleem Remtula
Non- Executive Directors
Mr. Ranjit Shah
Non-Executive Director
Ms. Swati Datye
Additional Independent Director
Mr. John Diaz
Independent Director
Mr. Jyotin Mehta
Independent Director
Mr. Deepak Sharma
Additional Independent Director
Investor Questions Answered
Suryoday Small Finance Bank Ltd (SURYODAY) Stock FAQs
Get answers to the most common questions about Suryoday Small Finance Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Suryoday Small Finance Bank Ltd (SURYODAY) is ₹128.5. Today, the stock has gained by ₹2.18 (1.73%), trading in a range of ₹123.82 to ₹128.67. The stock opened at ₹126 with a trading volume of 1,57,016 shares.
Suryoday Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,335.53 crores, P/E ratio of 19.17, ROE of 3.46%, and ROCE of 7.28%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Suryoday Small Finance Bank Ltd (SURYODAY) is ₹161.48, while the 52-week low is ₹97.97. Currently trading at ₹128.5, the stock is 48.1% away from its 52-week low and 20.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Suryoday Small Finance Bank Ltd stock at ₹128.5 depends on multiple factors. The stock is currently trading with a P/E ratio of 19.17 and P/B ratio of N/A. Today's performance shows a gain of 1.73%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Suryoday Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹128.5, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Suryoday Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 19.17, P/B Ratio: N/A, ROE: 3.46%, ROCE: 7.28%, Dividend Yield: 0.00%, EPS: ₹6.44, Book Value: ₹181.31, Debt-to-Equity: 1.42, and Current Ratio: N/A. The company's market cap stands at ₹1,335.53 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Suryoday Small Finance Bank Ltd stock opened at ₹126 and is currently trading at ₹128.5, showing a gain of ₹2.18 (1.73%). The intraday high is ₹128.67 and low is ₹123.82. The trading volume stands at 1,57,016 shares, indicating moderate market participation today.
Suryoday Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 19.17, which means investors are willing to pay ₹19.17 for every ₹1 of earnings. With an EPS of ₹6.44, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Suryoday Small Finance Bank Ltd has a market capitalization of ₹1,335.53 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹128.5) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Suryoday Small Finance Bank Ltd has a book value of ₹181.31 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹128.5, which is 29.1% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Suryoday Small Finance Bank Ltd has a Return on Equity (ROE) of 3.46% and Return on Capital Employed (ROCE) of 7.28%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Suryoday Small Finance Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Suryoday Small Finance Bank Ltd has a debt-to-equity ratio of 1.42, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Suryoday Small Finance Bank Ltd has an Earnings Per Share (EPS) of ₹6.44, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹128.5 and P/E ratio of 19.17, investors are paying 19.17 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Suryoday Small Finance Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Suryoday Small Finance Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Suryoday Small Finance Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (19.17), ROE (3.46%), debt-to-equity (1.42), and growth rates. 2) Technical Analysis - Check 52-week range (₹97.97 - ₹161.48), moving averages, and chart patterns. 3) Valuation - Compare current price (₹128.50) with book value (₹181.31) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Suryoday Small Finance Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹128.5 is 1185x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Suryoday Small Finance Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹97.97 - ₹161.48). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.42 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,57,016 shares. 5) Valuation Risk - P/E of 19.17 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Suryoday Small Finance Bank Ltd operates in the industry with key metrics: P/E ratio of 19.17, ROE of 3.46%, market cap of ₹1,335.53 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.42), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Suryoday Small Finance Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹128.5, with a 52-week range of ₹97.97 to ₹161.48. Based on fundamentals like P/E (19.17), ROE (3.46%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Suryoday Small Finance Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹128.50. 2) Fundamental Deterioration - Declining ROE (currently 3.46%), increasing debt (D/E: 1.42), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Suryoday Small Finance Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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