Suryoday Small Finance Bank (SURYODAY) Stock Overview
Provides financial products to micro-entrepreneurs and underserved communities and individuals in India. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
No risks detected for SURYODAY from our risk checks.
SURYODAY Community Fair Values
Create NarrativeSee what 9 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Suryoday Small Finance Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹173.47 |
| 52 Week High | ₹190.78 |
| 52 Week Low | ₹115.41 |
| Beta | 0.49 |
| 1 Month Change | 7.41% |
| 3 Month Change | 35.03% |
| 1 Year Change | 22.86% |
| 3 Year Change | 1.41% |
| 5 Year Change | -21.63% |
| Change since IPO | -37.56% |
Recent News & Updates
Narrative Update • Jun 05
SURYODAY: Planned Equity And Debt Raises Will Support Bullish Outlook
Analysts have lifted their fair value estimate for Suryoday Small Finance Bank slightly from ₹236 to ₹240, citing updated assumptions on discount rate, revenue growth, profit margin and future P/E that together support a modestly higher target. What's in the News A board meeting is scheduled for May 07, 2026 to consider and approve audited financial results for Q4 and the full year ended March 31, 2026, and to consider a dividend recommendation and record date, as per a company filing.Narrative Update • Apr 27
SURYODAY: Planned ₹10b Equity Raise Will Support Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236 per share, with only minor model adjustments to the discount rate, revenue growth, profit margin and future P/E underpinning the unchanged price target. What's in the News Board meeting scheduled on May 7, 2026 to consider approval of audited financial results for Q4 and the financial year ended March 31, 2026, and to consider a dividend recommendation, including fixation of the record date (Key Developments).Recent updates
Narrative Update • Jun 05
SURYODAY: Planned Equity And Debt Raises Will Support Bullish Outlook
Analysts have lifted their fair value estimate for Suryoday Small Finance Bank slightly from ₹236 to ₹240, citing updated assumptions on discount rate, revenue growth, profit margin and future P/E that together support a modestly higher target. What's in the News A board meeting is scheduled for May 07, 2026 to consider and approve audited financial results for Q4 and the full year ended March 31, 2026, and to consider a dividend recommendation and record date, as per a company filing.Narrative Update • Apr 27
SURYODAY: Planned ₹10b Equity Raise Will Support Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236 per share, with only minor model adjustments to the discount rate, revenue growth, profit margin and future P/E underpinning the unchanged price target. What's in the News Board meeting scheduled on May 7, 2026 to consider approval of audited financial results for Q4 and the financial year ended March 31, 2026, and to consider a dividend recommendation, including fixation of the record date (Key Developments).Narrative Update • Apr 13
SURYODAY: Planned ₹10b Equity Raise Will Support Bullish Outlook
Analysts have kept the fair value estimate for Suryoday Small Finance Bank steady at ₹236, with only very small tweaks to assumptions such as the discount rate, revenue growth, profit margin and future P/E. This suggests their price target is effectively unchanged despite refreshed modelling inputs.Narrative Update • Mar 27
SURYODAY: Planned Equity Raise And Director Reappointment Will Support Bullish Outlook
Analysts have maintained their fair value estimate for Suryoday Small Finance Bank at ₹236, reflecting only minor adjustments in inputs such as discount rate, revenue growth, profit margin and future P/E assumptions, rather than any change in the core view on the stock. What's in the News Board meeting scheduled for January 22, 2026, to review unaudited financial results for Q3 and the nine months ended December 31, 2025, and to consider raising up to ₹10,000 crore through various equity and equity linked instruments, including preferential allotment, QIP, private placement or rights issue (Key Developments).Narrative Update • Mar 12
SURYODAY: Planned Equity Raise And Director Reappointment Will Support Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236.0. A slightly lower discount rate and marginally adjusted long term revenue growth, profit margin and future P/E assumptions are guiding this unchanged price target. What's in the News A board meeting is scheduled for January 22, 2026 to review unaudited financial results for Q3 and the nine months ended December 31, 2025, and to consider a potential fund raise of up to ₹1,000 crore through various equity and equity linked instruments, including rights and private placements (Key Developments).Narrative Update • Feb 26
SURYODAY: Planned Fundraising And Governance Moves Will Sustain Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236.0 per share, with only minor tweaks to the discount rate, profit margin, revenue growth and future P/E assumptions helping to fine tune rather than fundamentally change their price target view. What's in the News Board meeting scheduled for January 22, 2026, to review unaudited financial results for Q3 and the nine months ended December 31, 2025, and to consider several capital related and governance items (Key Developments).Narrative Update • Feb 09
SURYODAY: Planned Capital Raise Will Support Bullish Outlook
Analysts have kept their target for Suryoday Small Finance Bank steady at ₹236, citing only modest tweaks to assumptions such as a slightly lower discount rate and a marginally reduced forward P/E multiple, rather than any major shift in their overall view. What's in the News Board meeting scheduled for January 22, 2026, at 14:15 IST to consider unaudited Q3 and nine-month financial results for the period ended December 31, 2025 (Key Developments).Narrative Update • Jan 26
SURYODAY: Planned Capital Raise Will Support Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236.0, with the unchanged target reflecting updated assumptions for discount rate, revenue growth, profit margin and future P/E that they view as broadly offsetting each other. What's in the News Board meeting scheduled for January 22, 2026 at 14:15 IST to review unaudited financial results for Q3 and the nine months ended December 31, 2025 (Key Developments).Narrative Update • Jan 10
SURYODAY: Planned Capital Raise And Board Actions Will Support Bullish Outlook
Analysts have kept their fair value estimate for Suryoday Small Finance Bank steady at ₹236, with only minor tweaks to discount rate, revenue growth, profit margin and forward P/E assumptions. As a result, the headline price target remains unchanged, while the underlying model inputs are slightly refined.Narrative Update • Dec 15
SURYODAY: Upcoming Capital Raise And Board Decisions Will Support Bullish Outlook
Analysts have raised their price target on Suryoday Small Finance Bank from ₹178 to ₹236, citing expectations of slightly faster revenue growth and a richer future earnings multiple, despite broadly stable profit margins and a marginally lower discount rate. What's in the News Board meeting scheduled on November 6, 2025, to review and approve unaudited financial results for Q2 and the half year ended September 30, 2025 (company filing) Directors to consider raising equity capital via preferential allotment, QIP, private placement, or a mix of equity linked instruments and warrants, subject to shareholder and regulatory approvals (company filing) Proposal on the agenda to issue debt instruments, including bonds and non convertible debentures, contingent on necessary shareholder and statutory approvals (company filing) Valuation Changes The consensus analyst price target has risen significantly from ₹178 to ₹236.
New Narrative • Mar 17
RBI Rate Cut And Digital Initiatives May Improve Bank's Future Prospects
Anticipated RBI rate cuts and microfinance reforms could enhance Suryoday's loan growth and stabilize revenue.Analysis Article • Sep 06
Why We Think Suryoday Small Finance Bank Limited's (NSE:SURYODAY) CEO Compensation Is Not Excessive At All
Key Insights Suryoday Small Finance Bank will host its Annual General Meeting on 12th of September CEO Baskar...Shareholder Returns
| SURYODAY | IN Banks | IN Market | |
|---|---|---|---|
| 7D | 1.7% | -0.02% | 0.6% |
| 1Y | 22.9% | 1.0% | -0.2% |
Return vs Industry: SURYODAY exceeded the Indian Banks industry which returned 1% over the past year.
Return vs Market: SURYODAY exceeded the Indian Market which returned -0.2% over the past year.
Price Volatility
| SURYODAY volatility | |
|---|---|
| SURYODAY Average Weekly Movement | 6.3% |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 7.0% |
| 10% most volatile stocks in IN Market | 10.1% |
| 10% least volatile stocks in IN Market | 4.5% |
Stable Share Price: SURYODAY has not had significant price volatility in the past 3 months compared to the Indian market.
Volatility Over Time: SURYODAY's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2008 | 8,649 | Baskar Ramachandran | suryoday.bank.in |
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, and current accounts; and term and fixed deposits, recurring, and double joy deposits.
Suryoday Small Finance Bank Limited Fundamentals Summary
| SURYODAY fundamental statistics | |
|---|---|
| Market cap | ₹18.26b |
| Earnings (TTM) | ₹1.52b |
| Revenue (TTM) | ₹12.74b |
12.1x
P/E Ratio0.9x
P/B RatioIs SURYODAY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SURYODAY income statement (TTM) | |
|---|---|
| Revenue | ₹12.74b |
| Cost of Revenue | ₹0 |
| Gross Profit | ₹12.74b |
| Other Expenses | ₹11.22b |
| Earnings | ₹1.52b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 14.30 |
| Gross Margin | 100.00% |
| Net Profit Margin | 11.93% |
| Debt/Equity Ratio | 150.2% |
How did SURYODAY perform over the long term?
See historical performance and comparisonDividends
0.9%
Current Dividend Yield10%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/24 18:29 |
| End of Day Share Price | 2026/06/24 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Suryoday Small Finance Bank Limited is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | Centrum Broking Limited |
| Tanay Jain | Centrum Broking Limited |