Suryoday Small

Market Cap: Small Cap
Industry: Bank - Private
ISIN: INE428Q01011
NSEID: SURYODAY
BSEID: 543279

INR

115.45

1.9 (1.67%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 1.15 lacs

Click here to access the older version

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.15 lacs (-52.41%) Volume

Shareholding (Mar 2025)

FII

4.67%

Held by 34 FIIs

DII

5.66%

Held by 4 DIIs

Promoter

22.44%

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

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.

Negative results in Dec 24

Stock is technically in a Mildly Bearish range

Despite the size of the company, domestic mutual funds hold only 0.05% of the company

Below par performance in long term as well as near term

Mojo Parameters

Loading Valuation Snapshot...

Stock DNA

Industry

Bank - Private

Market cap

INR 1,227 Cr (Small Cap)

Dividend Yield

0.00%

CAR

36.90%

Return on Assets

1.60%

Net NPA

3.13%

Gross NPA

5.53%

Revenue and Profits (1 Year):

Int. Earned:

487.85 Cr

(Quarterly Results - Dec 2024)

Net Profit:

33 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0%)

TimePeriod

Price Return

Dividend Return

Total Return

6 Months

-31.75%

1 Year

-38.59%

2 Years

16.32%

3 Years

-18.47%

4 Years

-56.49%

5 Years

0.0%

Suryoday Small for the last several years.

Risk Adjusted Returns v/s Sensex

Returns Beta

Beta has not been calculated since enough price history is not available

Key Factors

Quality 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%

Valuation key factors

Factor

Value

P/E Ratio

Price to Book Value

0.62

PEG Ratio

0.73

Dividend Yield

ROE (Latest)

10.69%

ROA (Latest)

1.60%

Net NPA to Book Value

14.91

Tecnicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2025

Shareholding Compare (%holding)

Majority shareholders

Non Institution

Pledged Promoter Holdings

22.3931

Mutual Funds

Held by 1 Schemes (0.04%)

FIIs

Held by 34 FIIs (4.67%)

Promoter with highest holding

Baskar Babu Ramachandran (5.18%)

Highest Public shareholder

1729 Capital (3.81%)

Individual Investors Holdings

41.42%

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -3.82% vs 3.91% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -26.64% vs -35.21% in Sep 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 487.85,
          "val2": 507.2,
          "chgp": "-3.82%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "71.36",
          "val2": "126.92",
          "chgp": "-43.78%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "3.13%",
          "val2": "0.80%",
          "chgp": "2.33%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "5.53%",
          "val2": "3.03%",
          "chgp": "2.50%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "33.30",
          "val2": "45.39",
          "chgp": "-26.64%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 35.73% vs 30.37% in Sep 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 17.93% vs 371.81% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 995.32,
          "val2": 733.33,
          "chgp": "35.73%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "271.20",
          "val2": "211.42",
          "chgp": "28.28%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.80%",
          "val2": "1.46%",
          "chgp": "-0.66%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.03%",
          "val2": "2.90%",
          "chgp": "0.13%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "115.45",
          "val2": "97.90",
          "chgp": "17.93%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 29.64% vs 33.92% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -4.11% vs 299.79% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 1483.17,
          "val2": 1144.04,
          "chgp": "29.64%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "342.56",
          "val2": "325.58",
          "chgp": "5.22%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "3.13%",
          "val2": "1.42%",
          "chgp": "1.71%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "5.53%",
          "val2": "3.06%",
          "chgp": "2.47%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "148.75",
          "val2": "155.12",
          "chgp": "-4.11%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 34.22% vs 25.68% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 177.94% vs 183.52% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 1588.7,
          "val2": 1183.68,
          "chgp": "34.22%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "453.91",
          "val2": "337.46",
          "chgp": "34.51%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.86%",
          "val2": "1.55%",
          "chgp": "-0.69%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.94%",
          "val2": "3.13%",
          "chgp": "-0.19%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "215.96",
          "val2": "77.70",
          "chgp": "177.94%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ

Dec'24

Sep'24

Change(%)

Interest Earned

487.85

507.2

-3.82%

Operating Profit (PBDIT)

71.36

126.92

-43.78%

% of Net NPAs

3.13%

0.80%

2.33%

% of Gross NPAs

5.53%

3.03%

2.50%

Exceptional Items

0.00

Net Profit

33.30

45.39

-26.64%

Values in Rs Cr.

Compare with Peers

Interest Earned

QoQ Growth in quarter ended Dec 2024 is -3.82% vs 3.91% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is -26.64% vs -35.21% in Sep 2024

All Quarterly Results

Half Yearly Results Snapshot (Standalone) - Sep'24

Sep'24

Sep'23

Change(%)

Interest Earned

995.32

733.33

35.73%

Operating Profit (PBDIT)

271.20

211.42

28.28%

% of Net NPAs

0.80%

1.46%

-0.66%

% of Gross NPAs

3.03%

2.90%

0.13%

Exceptional Items

0.00

Net Profit

115.45

97.90

17.93%

Values in Rs Cr.

Compare with Peers

Interest Earned

Growth in half year ended Sep 2024 is 35.73% vs 30.37% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is 17.93% vs 371.81% in Sep 2023

All Half Yearly Results

Nine Monthly Results Snapshot (Standalone) - Dec'24

Dec'24

Dec'23

Change(%)

Interest Earned

1483.17

1144.04

29.64%

Operating Profit (PBDIT)

342.56

325.58

5.22%

% of Net NPAs

3.13%

1.42%

1.71%

% of Gross NPAs

5.53%

3.06%

2.47%

Exceptional Items

0.00

Net Profit

148.75

155.12

-4.11%

Values in Rs Cr.

Compare with Peers

Interest Earned

YoY Growth in nine months ended Dec 2024 is 29.64% vs 33.92% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is -4.11% vs 299.79% in Dec 2023

All Nine Monthly Results

Annual Results Snapshot (Standalone) - Mar'24

Mar'24

Mar'23

Change(%)

Interest Earned

1588.7

1183.68

34.22%

Operating Profit (PBDIT)

453.91

337.46

34.51%

% of Net NPAs

0.86%

1.55%

-0.69%

% of Gross NPAs

2.94%

3.13%

-0.19%

Exceptional Items

0.00

Net Profit

215.96

77.70

177.94%

Values in Rs Cr.

Compare with Peers

Interest Earned

YoY Growth in year ended Mar 2024 is 34.22% vs 25.68% in Mar 2023

Net Profit

YoY Growth in year ended Mar 2024 is 177.94% vs 183.52% in Mar 2023

All Annual Results

Company CV

About Suryoday Small Finance Bank Ltd

Suryoday Small Finance Bank Ltd

Small Cap

Bank - Private

Suryoday Small Finance Bank Limited was originally incorporated as Suryoday Micro Finance Private Limited at Chennai, Tamil Nadu, as a Private Limited Company pursuant to Certificate of Incorporation dated 10 November 2008 issued by the Assistant Registrar of Companies, Tamil Nadu, Andaman and Nicobar Islands at Chennai. Subsequently, Bank converted into a Public Limited Company and the name of the Bank was changed to Suryoday Micro Finance Limited, dated 16 June 2015 issued by the RoC.

Company Coordinates

No Company Details Available