ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
- Our view on the NBFC sector has turned a little cautious, and hence, we have exited from Suryoday Small Finance in the Model Portfolio. We have not changed the score of the company.
2
Negative results in Dec 24
- PBT LESS OI(Q) At Rs -1.81 cr has Fallen at -109.6 %
- PAT(Q) At Rs 33.30 cr has Fallen at -43.0 %
- GROSS NPA(Q) Highest at 5.53 %
3
Stock is technically in a Mildly Bearish range
- A key technical factor - KST has been Bearish since 09 Apr 2025
4
Despite the size of the company, domestic mutual funds hold only 0.05% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
5
Below par performance in long term as well as near term
- Along with generating -38.43% returns in the last 1 year, the stock has also underperformed BSE 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Suryoday Small for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Suryoday Small
-38.59%
-0.96
40.13%
SENSEX
0.45%
0.04
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
24.50%
Net Profit Growth (5y)
51.88%
Advance to Deposit
115.82%
Capital Adequacy Ratio (Tier 1)
36.90%
Gross NPA (latest)
5.53%
Gross NPA (avg)
4.82%
Coverage Ratio (avg)
48.42%
Cost to Income (avg)
61.98%
Net Interest Margin (avg)
8.98%
Operating Profit to Assets (avg)
10.17%
ROA (avg)
0.51%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.62
PEG Ratio
0.73
Dividend Yield
NA
ROE (Latest)
10.69%
ROA (Latest)
1.60%
Net NPA to Book Value
14.91
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
INTEREST EARNED(HY)
At Rs 995.05 cr has Grown at 26.60 %
-18What is not working for the Company
PBT LESS OI(Q)
At Rs -1.81 cr has Fallen at -109.6 %
PAT(Q)
At Rs 33.30 cr has Fallen at -43.0 %
GROSS NPA(Q)
Highest at 5.53 %
PBDIT(Q)
Lowest at Rs 31.81 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 6.52%
NON-OPERATING INCOME(Q)
is 104.80 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 3.13
NET NPA(Q)
Highest at 3.13 %
Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Interest Earned - Half Yearly
At Rs 995.05 cr has Grown at 26.60 %
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Here's what is not working for Suryoday Small
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -1.81 cr has Fallen at -109.6 %
over average PBT of the previous four quarters of Rs 18.79 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 33.30 cr has Fallen at -43.0 %
over average PAT of the previous four quarters of Rs 58.38 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Gross NPA - Quarterly
Highest at 5.53 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 31.81 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 6.52%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -1.81 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 104.80 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 3.13
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Highest at 3.13 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
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