Suryoday Small Finance Bank Limited
NSE: SURYODAY · Other Bank
Snapshot
Unlock Suryoday Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Suryoday Small Finance Bank is an Indian financial institution focused on financial inclusion by serving unserved and underserved segments. It provides a comprehensive range of banking products, including deposits, microfinance, mortgage loans, and commercial vehicle financing.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio and fee-based income from banking services and insurance distribution. It operates through a network of banking outlets and digital channels to mobilise deposits and deploy credit.
- Banking Outlets:556
- Operational States:13
Growth Outlook
Growth is expected to be driven by the expansion of its retail and MSME loan portfolios and the deepening of its digital banking infrastructure. The bank continues to focus on increasing its footprint across India to enhance financial inclusion.
Key Risks
- Credit Risk. The bank's focus on microfinance and underserved segments exposes it to higher default risks during economic downturns.
- Regulatory Risk. As a small finance bank, it is subject to stringent RBI regulations regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the cost of funds for its lending operations.
- Geographic Concentration. Operating in a limited number of states may expose the bank to regional economic shocks or localized disruptions.
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Key Metrics
NET PROFIT
₹238 Cr
TTM · standalone
EPS
₹22.39
TTM · standalone
RETURN ON EQUITY
10.7%
TTM · standalone
P/E
6.2×
Q2 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,475 Cr | 6.2× | — | — | — | 10.7% | — | -9.0% |
Jana Small Finance Bank LimitedJSFB | ₹4,072 Cr | 8.5× | — | — | — | 10.3% | — | -17.3% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,139 Cr | -1.7× | — | — | — | 18.5% | — | -41.0% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,091 Cr | -3.5× | — | — | — | — | — | +44.2% |
Capital Small Finance Bank LimitedCAPITALSFB | ₹1,238 Cr | — | — | — | — | 11.0% | — | -3.7% |
Fino Payments Bank LimitedFINOPB | ₹968 Cr | -63.2× | — | — | — | — | — | -58.9% |
Financials
Suryoday Small Finance Bank Limited
NSE: SURYODAY · Other Bank
Snapshot
Unlock Suryoday Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Suryoday Small Finance Bank is an Indian financial institution focused on financial inclusion by serving unserved and underserved segments. It provides a comprehensive range of banking products, including deposits, microfinance, mortgage loans, and commercial vehicle financing.
Business Model
The bank generates revenue primarily through net interest income earned on its diverse loan portfolio and fee-based income from banking services and insurance distribution. It operates through a network of banking outlets and digital channels to mobilise deposits and deploy credit.
- Banking Outlets:556
- Operational States:13
Growth Outlook
Growth is expected to be driven by the expansion of its retail and MSME loan portfolios and the deepening of its digital banking infrastructure. The bank continues to focus on increasing its footprint across India to enhance financial inclusion.
Key Risks
- Credit Risk. The bank's focus on microfinance and underserved segments exposes it to higher default risks during economic downturns.
- Regulatory Risk. As a small finance bank, it is subject to stringent RBI regulations regarding priority sector lending and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the cost of funds for its lending operations.
- Geographic Concentration. Operating in a limited number of states may expose the bank to regional economic shocks or localized disruptions.
Start your research today
Unlock AI insights, financials, peers and live data on Suryoday Small Finance Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹238 Cr
TTM · standalone
EPS
₹22.39
TTM · standalone
RETURN ON EQUITY
10.7%
TTM · standalone
P/E
6.2x
Q2 FY27 · standalone
Peers · Other Bank
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