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Suryoday Small Finance Bank Limited (SURYODAY.NS)
Navi Mumbai, IN
Suryoday Small Finance Bank Limited (Suryoday SFB) operates as an Indian small finance bank with a core mission of advancing financial inclusion by reaching out to previously unbanked and underserved populations. The bank organizes its operations across several key divisions: Treasury, Retail Banking, Wholesale Banking, and other banking activities. Customers can access a diverse range of deposit products, including savings accounts, current accounts, and various types of term deposits such as fixed and recurring deposits. On the lending side, Suryoday SFB provides financing for mortgages and commercial vehicles. It also offers tailored credit solutions for Micro, Small, and Medium Enterprises (MSMEs), as well as Non-Banking Finance Companies (NBFCs). Further expanding its loan portfolio, the bank facilitates home loans, business loans secured by property, joint liability group loans, and emergency credit line guarantee schemes. Beyond core banking, Suryoday SFB extends its services to include life, general, and group health insurance offerings, alongside national pension and social security programs. It also provides essential banking tools like debit cards and specialized services for Non-Resident Indians (NRIs). The bank ensures modern accessibility through its comprehensive suite of digital platforms, including internet, phone, tablet, and mobile banking services. As of March 31, 2021, Suryoday SFB maintained a substantial physical presence, with 556 banking outlets distributed across 13 states and union territories. The institution, which was established in 2008 and is headquartered in Navi Mumbai, India, initially operated under the name Suryoday Micro Finance Limited before rebranding to Suryoday Small Finance Bank Limited in January 2017.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.79% | +7.23% | +29.06% | +30.28% | +24.62% | +22.57% | +40.36% | +36.04% | -28.56% | -37.85% | -37.85% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+16.1% Q1'26: +30.4% (vs Q1'25)
-
EPS growth+32.9% Q1'26: +247.2% (vs Q1'25)
-
FCF margin— Q1'26: -123.9% (vs Q1'25)
-
EBIT margin— Q1'26: +9.5% (vs Q1'25)
-
ROIC— Q1'26: +6.4% (vs Q1'25)
-
Share dilution-0.6% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 11.89× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
12.81B
est: 8.44B (+51.8%)
|
18.08B
est: 11.05B (+63.6%)
|
21.71B
est: 13.56B (+60.1%)
|
14.76B
14.76B – 14.76B
+8.8% YoY
|
18.87B
18.87B – 18.87B
+27.8% YoY
|
22.72B
22.72B – 22.72B
+20.4% YoY
|
| EBITDA |
1.44B
est: 223.18M (+546.1%)
|
—
est: 292.20M (-100.0%)
|
1.99B
est: 358.63M (+456.1%)
|
390.23M
390.23M – 390.23M
+8.8% YoY
|
498.86M
498.86M – 498.86M
+27.8% YoY
|
600.85M
600.85M – 600.85M
+20.4% YoY
|
| EBIT |
1.01B
est: 13.57M (+7,332.0%)
|
-513.46M
est: 17.77M (-2,989.9%)
|
1.44B
est: 21.81M (+6,495.8%)
|
23.73M
23.73M – 23.73M
+8.8% YoY
|
30.33M
30.33M – 30.33M
+27.8% YoY
|
36.53M
36.53M – 36.53M
+20.4% YoY
|
| Net Income |
776.91M
est: 780.73M (-0.5%)
|
2.16B
est: 2.39B (-9.6%)
|
1.15B
est: 1.72B (-33.3%)
|
1.57B
1.57B – 1.57B
-8.6% YoY
|
2.73B
2.73B – 2.73B
+73.6% YoY
|
3.32B
3.32B – 3.32B
+21.4% YoY
|
| SGA |
54.60M
est: 40.25M (+35.6%)
|
70.48M
est: 52.70M (+33.7%)
|
120.52M
est: 64.68M (+86.3%)
|
70.38M
70.38M – 70.38M
+8.8% YoY
|
89.97M
89.97M – 89.97M
+27.8% YoY
|
108.37M
108.37M – 108.37M
+20.4% YoY
|
| EPS |
7.32
est: 7.30 (+0.3%)
|
20.34
est: 22.46 (-9.4%)
|
10.82
est: 16.20 (-33.2%)
|
14.80
14.80 – 14.80
-8.6% YoY
|
25.70
25.70 – 25.70
+73.6% YoY
|
31.20
31.20 – 31.20
+21.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.01% | 67.6K | 0.65% |
| 2 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.00% | 244.9K | 0.07% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Baskar Babu Ramachandran | Co-Founder, MD, Chief Executive Officer & Executive Director | 19M | male |
| Hemant Premchand Shah | Whole- Time Executive Director | 17M | male |
| K. Anand Balaji | Head of Micro Mortgages & Administration and Head Credit-Inclusive Finance | — | male |
| Kanishka Chaudhary | Chief Financial Officer | — | male |
| Kartiklingam Nadar | Vice President & Head Operations | — | male |
| Shankar Surender | Chief Compliance Officer | — | male |
| Vikas Deshmukh | Chief Technology Officer | — | male |
| Basanth Kumar L. | Head of Legal | — | male |
| Vishal Singh | Chief Information Officer & Head of Digital Banking | — | male |
| Himadri Das | Head of Investor Relations | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SURYODAY.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
