Dashboard/SURYODAY

SURYODAY

FAIRLY_VALUED

Suryoday Small Finance Bank Limited

Banking · NSE

↑ 8.8% vs fair value

52W Low

₹115

+39.3% from low

52W High

₹191

-15.7% from high

News sentiment

9 bull23 neu5 bear

✦

Analyst Note

6d ago

Suryoday Small Finance Bank is fairly valued with a margin of safety of -1.6%. The stock's current trading price of ₹160.8 is slightly above its fair value of ₹176.22. The bank has shown strong revenue growth of 73% in the last year, but its return on equity has been deteriorating. Sentiment has turned bearish over the last week despite a bullish 30-day trend. This stock suits conservative investors seeking stable returns.

6 articles

Suryoday Small Finance Bank Q4 FY26: Remarkable Turnaroun... - Markets Mojo

Google News: SURYODAY·14d ago

▲ BULLISH

Fundamental and Technical Picks: How to trade BSE, Lupin, Cochin Shipyard, Suryoday, other buzzing stocks - Zee Business

Google News: SURYODAY·14d ago

– NEUTRAL

Suryoday Small Finance Bank reports Q4 profit at Rs 49 crore - The Economic Times

Google News: SURYODAY·15d ago

– NEUTRAL

Suryoday Small Finance Bank Ltd Hits New 52-Week High of Rs 163.3 on Back of Strong Technical Signals - Markets Mojo

Google News: SURYODAY·16d ago

▲ BULLISH

Suryoday Small Finance Bank Ltd is Rated Hold - Markets Mojo

Google News: SURYODAY·18d ago

– NEUTRAL

Suryoday Small Finance Bank Ltd: Valuation Shift Signals Price Attractiveness Change - Markets Mojo

Google News: SURYODAY·18d ago

– NEUTRAL

Valuation Gauge

FAIRLY_VALUED+8.8% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹161

Fair Value

₹176

Fair Value Analysis

₹176

Based on balance sheet strength analysis and book value multiple for Banking sector companies | Sector-cheap: P/E at 81th percentile vs sector peers. | CAUTION: ROCE declining (latest 2.8%) — returns on capital are falling; verify this isn't a value trap. | COVID-resilient: PAT dropped from ₹90Cr (FY2019) to ₹-93Cr (FY2022) during COVID but has fully recovered.

Medium confidence

Balance Sheet Value

42% weight

₹164

P/B Multiple

58% weight

₹185

Price vs Market

SURYODAY

Nifty 50

Technical Pulse

Plain English — no jargon

RSI 53.7Neutral

52-week range-16.3% from high

L 115.41H 190.78

20-day avg₹161▼ 0.9%

50-day avg₹144▲ 11.1%

📍

Price PositionNeutral

Not enough price history to assess trend.

💪

Momentum (RSI)Neutral

RSI is 54 — neutral momentum, neither overbought nor oversold.

📈

Short-term TrendNeutral

Below 20-day but above 50-day average — short-term weakness but medium trend intact.

→Combined Verdict

Fairly valued with neutral momentum. Hold if you own it. No urgent reason to buy or sell.

Shareholding Pattern

Stock Health Score

B+

Financially Healthy

7.3 / 10

Profitability

6/10

ROE of 7.6% is below the Banking sector benchmark of 15%

Debt & Leverage

10/10

D/E ratio of 1.5x is well within the Banking sector norm of 8.0x — strong balance sheet

Valuation vs Peers

8/10

P/E of 11.7x is slightly below the Banking sector median of 15x — reasonably valued

Cash Flow

7/10

Positive operating cash flow of ₹577 Cr — healthy for Banking sector

Earnings Growth

8/10

5yr EPS CAGR of 25.1% is in line with the Banking sector average of 23.2%

Dividend

4/10

No dividend — typical for growth-stage companies

Company Health Timeline

10-year financial health at a glance

FY17

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

FY26

Revenue Growthⓘ

OPM %ⓘ

Net Profitⓘ

Free Cash Flowⓘ

ROE %ⓘ

ROCE %ⓘ

Debt / Equityⓘ

Interest Cov.ⓘ

Health Score

Strong

Moderate

Weak

Poor

No data

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

-7.8%

Free cash flow / market cap

Revenue Growth (YoY)

-8.9%

Year-on-year revenue change

Profit Growth (YoY)

-13.2%

Year-on-year PAT change

Operating Cash Flow

₹652 Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹14.3

P/E Ratio

11.7x

P/B Ratio

0.9x

ROE

7.6%

ROCE

—

Debt / Equity

—

Beta

—

Div Yield

—

FCF (Cr)

₹577 Cr

Revenue (Cr)

₹1,458 Cr

EPS Growth 5Y

25.1%

Mkt Cap (Cr)

₹1,779 Cr

52W High

₹190.8

52W Low

₹115.4

Book Value/Share

₹194.5

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
2026-03-31	₹2.2K Cr	₹-160 Cr	-7.0%	₹152 Cr	₹14.30
2025-03-31	₹2.0K Cr	₹-18 Cr	-1.0%	₹115 Cr	₹10.82
2024-03-31	₹1.6K Cr	₹120 Cr	8.0%	₹216 Cr	₹20.34
2023-03-31	₹1.2K Cr	₹47 Cr	4.0%	₹78 Cr	₹7.32
2022-03-31	₹942 Cr	₹-201 Cr	-21.0%	₹-93 Cr	₹-8.76
2021-03-31	₹776 Cr	₹-49 Cr	-6.0%	₹12 Cr	₹1.12
2020-03-31	₹767 Cr	₹77 Cr	10.0%	₹111 Cr	₹12.84
2019-03-31	₹530 Cr	₹81 Cr	15.0%	₹90 Cr	₹11.08
2018-03-31	₹287 Cr	₹-18 Cr	-6.0%	₹10 Cr	₹1.50
2017-03-31	₹244 Cr	₹15 Cr	6.0%	₹15 Cr	₹2.36
2016-03-31	₹199 Cr	₹28 Cr	14.0%	₹27 Cr	₹7.16
2015-03-31	₹118 Cr	₹26 Cr	22.0%	₹17 Cr	₹5.11

Compounded Growth Rates

Sales Growth

3Y+22.2%

5Y+22.7%

10Y+26.9%

Profit Growth

3Y+24.9%

5Y+66.2%

10Y+18.9%

EPS Growth

3Y+25.0%

5Y+66.4%

10Y+7.2%

Peer Comparison

Banking

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
CENTRALBK Central Bank of India	₹31.2	₹51.3	+39.2%	6.8	13.2%	UNDERVALUED
CANBK Canara Bank	₹128.5	₹204.4	+37.1%	5.3	17.6%	UNDERVALUED
CANARABNK Canara Bank	₹128.5	₹201.1	+36.1%	—	—	UNDERVALUED
IDBI IDBI Bank Limited	₹72.6	₹98.8	+26.5%	8.1	14.2%	FAIRLY_VALUED
BANKINDIA Bank of India	₹139.9	₹186.5	+25.0%	6.3	12.1%	FAIRLY_VALUED
MAHABANK Bank of Maharashtra	₹80.3	₹104.8	+23.4%	8.6	22.7%	FAIRLY_VALUED
BANKBARODA Bank of Baroda	₹266.8	₹344.4	+22.5%	6.8	12.7%	FAIRLY_VALUED
PNB Punjab National Bank	₹102.9	₹129.9	+20.8%	6.4	13.0%	FAIRLY_VALUED

Institutional Activity

Bulk deals, block deals, short selling & delivery volume — NSE data

Insider Trading

Community Pulse

What is Dalal Street saying?

r/IndiaInvestments · r/Dalal_Street_Investments · r/IndianStockMarket

No Reddit mentions found yet for SURYODAY.

StockTwits

What traders are saying right now

StockTwits

No StockTwits activity found for SURYODAY.

Search Interest

Google Trends · India · Last 90 days"Suryoday Small Finance Bank"

Trends

Interest score (0 = low, 100 = peak)

90-day trend

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Telegram Channels

ET Markets · CNBC TV18 · Moneycontrol · Zee Business · NDTV Profit

No Telegram mentions found yet for SURYODAY.

Exchange Filings

BSE announcements · last 90 days

NSE ↗BSE ↗

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