Suryoday Small Finance Bank Ltd.

161.40 -2.05 ▼-1.3%

28 March 2024, 04:01:00 PM
Volume: 20,744

Company Profile

Sector Banking Sector Icon Banking Compare with Sector peers
Industry Bank - Private Industry Icon Bank - Private Compare with Industry peers
Website http://www.suryodaybank.com
Market Cap 1,709.83 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 18.27 Trailing Twelve Months Ending 2023-12
Price-Earning Ratio (PE) 8.81 Trailing Twelve Months Ending 2023-12
Industry PE 18.02 Trailing Twelve Months Ending 2023-12
Book Value / Share 164.13 Trailing Twelve Months Ending 2023-12
Price to Book Value 0.98 Calculated using Price: 161.00
Dividend Yield 0.00 Period Ending 2023-03
No. of Shares Subscribed 10.62 Cr. 106,200,698 Shares
FaceValue 10
About Suryoday Small Finance Bank Ltd.
The bank was among the leading Small Finance Banks (SFBs) in India in terms of net interest margins, return on assets, yields and deposit growth. It has for over a decade been serving customers in the unbanked and underbanked segments in India and promoting financial inclusion. The bank commenced its microfinance operations in 2009 and has since expanded its operations across several states and union territories. Its delivery platform also includes partnering with business correspondents (BCs) for sourcing both asset and liability business and has expanded its network and presence through their reach to promote financial inclusion. It has arrangements with various payment banks in India and has been able to leverage its relationship with such payment banks to grow its deposit base. Its distribution network also comprises its ATMs, phone banking, mobile banking, tablet banking, unified payment interface, CSPs, and internet banking services.

Suryoday Small Finance Bank Ltd. Delivery

Delivered Qty
Traded Qty

Suryoday Small Finance Bank Ltd. Performance

1 Day
-1.25%
1 Week
-1.25%
1 Month
-15.98%
3 Month
+2.57%
6 Month
+0.16%
1 Year
+75.15%
2 Year
+58.55%
5 Year
10 Year

Suryoday Small Finance Bank Ltd. Fundamental Ratios

9 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) 15.42 16.73 4.34 1.95 12.26 11.47 0.9 -6.04 5.06
Return on Assets (%) 2.91 2.82 1.08 0.54 2.92 2.43 0.2 -1.25 0.86
Net Interest Margin 7.79 9 8.95 7.82 9.36 9.47 6.36 7.51 7.93
Interest Spread (%) 1.84 10.32 19.91 9.82 12.74 14.99 12.06 14.24 14.17
Yield on Advances (%) 20.34 20.23 30.95 18.22 19.78 21.71 19.49 19.82 19.68

Suryoday Small Finance Bank Ltd. Balance Sheet

Particulars 8 years 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-12* Rs. Cr.
Shh. Funds 198 501 540 1,066 1,597 1,505 1,585 1,743
Minority Int.
Deposits 22 750 2,849 3,256 3,854 5,167 6,484
Borrowings 956 1,022 718 1,265 1,667 2,551 2,765 2,563
Other Liab. 39 60 156 185 193 270 344 332
Total Liab. 1,193 1,604 2,164 5,365 6,712 8,180 9,861 11,122
Fixed Assets 2 8 14 39 43 115 164 165
Investments 0 594 311 808 1,874 2,058 2,570 2,854
Advances 983 820 1,575 3,532 3,983 4,751 6,015 7,179
Cash & Bank 173 134 207 838 597 978 833 588
Other Assets 35 49 57 148 216 279 278 337
Total Assets 1,193 1,604 2,164 5,365 6,712 8,180 9,861 11,122

Suryoday Small Finance Bank Ltd. Profit and Loss

Particulars 8 years 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-12 Rs. Cr. TTM
Interest Earned 199 254 287 767 776 942 1,184 1,473
Other Income 1 1 38 87 76 94 97 189
Total Income 200 255 325 854 853 1,035 1,281 1,662
Operating Exp. -59 -102 -131 -272 -329 -413 -507 -663
Provisions -5 -14 -55 -152 -146 -392 -237 -170
PBIT 137 139 139 430 378 230 538 830
Interest -95 -115 -123 -276 -366 -357 -437 -572
Tax -14 -9 -6 -43 0 34 -23 -64
PAT 27 15 10 111 12 -93 78 194
Adjusted EPS 7 2 2 13 1 -9 7 18

Suryoday Small Finance Bank Ltd. Cash Flow

Particulars 8 years 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr.
Cash Fr. Operatn. -350 -231 458 -548 526 -876 -347 -98
Cash Fr. Inv. -2 -158 -84 -14 -167 -280 -158 -266
Cash Fr. Finan. 399 350 -285 658 210 915 885 213
Net Change 47 -39 88 97 569 -241 381 -150
Cash & Cash Eqvt 173 134 169 265 835 593 974 824

Suryoday Small Finance Bank Ltd. Shareholding Pattern

9 Qtrs 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%) 2023-12 (%)
Promoter 28.01 28.01 28.01 28.01 23.30 23.30 23.30 22.40 22.40
Public 71.99 71.99 71.99 71.99 76.70 76.70 76.70 77.60 77.60
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 37.97 37.97 37.97 37.97 25.43 25.43 25.43 22.45 22.45
No. of Shareholders (in Lacs)

Suryoday Small Finance Bank Ltd. Announcements

Fri, 29 Mar 2024
Announcement under Regulation 30 (LODR)-Newspaper Publication
Please find attached herewith newspaper publication regarding the dispatch of Postal Ballot Notice and e-voting related matters to the shareholders of the Bank.
Thu, 28 Mar 2024
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot
Please find attached herewith the Postal Ballot Notice of the Bank.
Thu, 28 Mar 2024
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Pursuant to Regulation 30 and other applicable provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 please find attached herewith schedule of Analyst/ Institutional Investor Meetings- Outcome.

Suryoday Small Finance Bank Ltd. Technical Scans

Thu, 28 Mar 2024
Close Crossing Last Month Low Close Crossing Last Month Low
Close Below Last Month Low Close Below Last Month Low
High Decrease in 1 Month High Decrease in 1 Month
High Increase in 1 Year High Increase in 1 Year
High Increase in 2 Years High Increase in 2 Years

Suryoday Small Finance Bank Ltd. Related Stocks

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Punjab National Bank 136,921.98 124.35 +1.3%
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HDFC Bank Ltd. Consolidated 2023-12 18.64 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-12 18.13 1,093.30 +0.9%
State Bank Of India Consolidated 2023-12 10.53 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-12 20.35 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-12 24.10 1,048.30 -0.5%
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Bank Of Baroda Consolidated 2023-12 7.23 264.05 +2.0%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-12 2.52 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-12 3.21 1,093.30 +0.9%
State Bank Of India Consolidated 2023-12 1.78 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-12 2.85 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-12 2.18 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-12 1.37 124.35 +1.3%
Bank Of Baroda Consolidated 2023-12 1.15 264.05 +2.0%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 0.89 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 0.90 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 1.57 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 0.51 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 1.59 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 0.74 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 1.03 264.05 +2.0%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 17.24 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 17.71 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 18.44 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14.19 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 8.77 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3.32 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14.92 264.05 +2.0%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 17.24 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 17.71 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 18.44 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14.19 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 8.77 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3.32 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14.92 264.05 +2.0%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 170,754.05 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 121,066.81 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 350,844.58 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 42,151.06 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 87,448.37 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 86,845.29 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 94,138.61 264.05 +2.0%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 46,148.70 1,447.90 +0.5%
ICICI Bank Ltd. Consolidated 2023-03 34,463.03 1,093.30 +0.9%
State Bank Of India Consolidated 2023-03 56,558.43 752.60 +2.5%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14,780.44 1,785.50 +0.6%
Axis Bank Ltd. Consolidated 2023-03 10,852.66 1,048.30 -0.5%
Punjab National Bank Consolidated 2023-03 3,069.34 124.35 +1.3%
Bank Of Baroda Consolidated 2023-03 14,687.88 264.05 +2.0%

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