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Suryoday Small Finance Bank Limited (SURYODAY) Stock Price & Analysis
SURYODAY Stock Chart & Stats
- Day’s Range
- INR 134.05 - INR 142.60
- 52-Week Range
- INR 115.30 - INR 217.50
- Previous Close
- INR 134.10
- Volume
- 6.78M
- Average Volume (3M)
- 18.57K
- Market Cap
- INR 14.34B
- Enterprise Value
- INR 25.27B
- Total Cash (Recent Filing)
- INR 16.04B
- Total Debt (Recent Filing)
- INR 26.41B
- Price to Earnings (P/E)
- 6.0
- Beta
- 0.98
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jul 17, 2026
- Dividend Yield
- 1.11%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Growth
Strong multi-year revenue expansion alongside three consecutive years of rising net income indicates that the turnaround has developed meaningful operating momentum. Continued growth in retail and small-business banking can broaden the earnings base and support reinvestment in the bank’s inclusion-focused franchise.
Improving Capital Position
A growing equity base and declining debt-to-equity trend improve the bank’s capacity to absorb losses and support measured balance-sheet expansion. Although leverage remains material, the direction of change strengthens financial resilience and provides a better foundation for future lending growth.
FY2026 Cash Flow Rebound
The strong FY2026 rebound in operating and free cash flow provides important support for reported earnings and internal funding capacity. If maintained, better cash conversion could reduce reliance on external financing and give management greater flexibility to support lending and technology investment.
Bears Say
Volatile Profit Margins
Margin compression after the FY2024 peak shows that revenue growth has not translated into consistently stable profitability. Persistent spread or operating-margin volatility could make earnings less predictable, limit internal capital generation, and weaken the durability of the current recovery.
Meaningful Leverage
Debt remaining above equity leaves the bank exposed to greater balance-sheet and funding pressure than a less leveraged institution. This can constrain flexibility during weaker periods, increase the importance of sustained profitability, and limit the pace at which growth can be pursued safely.
Inconsistent Cash Conversion
Repeated years of negative operating and free cash flow indicate that reported earnings have not consistently converted into cash. The large year-to-year swings make funding needs harder to plan and raise uncertainty about whether the latest cash-flow improvement can persist through the cycle.
Suryoday Small Finance Bank Limited News
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Company Description
Suryoday Small Finance Bank Limited
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.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Baskar Babu Ramachandran
- Employees
- 8,574
- Website
- suryoday.bank.in
- Address
- Tower No. 1, Seawoods Grand Central, Navi Mumbai, MH, 400706, IN
Suryoday Small Finance Bank Limited (SURYODAY) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 5 | 12 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 2 | 0 | 10 |
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