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Swing Capital

Suryoday Small Finance Bank Ltd

NSE: SURYODAY BSE: 543279Banking

Incorporated in 2008, Suryoday Small Finance Bank Ltd is a leading Small Finance Bank(SFB) in India. The company started offering SFB services in 2017. They serve customers in the unbanked and underbanked segments. Before SBF, the company operated as an NBFC.[1]

₹163
52W: ₹115 — ₹191
PE 11.4 · Book ₹196 · -17% vs book
Market Cap₹1,731 Cr
Stock P/E11.4Price to Earnings
ROCE7.33%Return on Capital
ROE7.59%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 0.85 times its book value
  • +Company has delivered good profit growth of 66.5% CAGR over last 5 years
  • +Company's median sales growth is 22.8% of last 10 years

Weaknesses

  • −Company has low interest coverage ratio.
  • −Promoter holding is low: 22.5%
  • −Company has a low return on equity of 8.68% over last 3 years.
  • −Earnings include an other income of Rs.360 Cr.

Shareholding Pattern

Promoters22.48%
FIIs5.23%
DIIs5.72%
Public66.58%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters22.39%22.3%▼0.122.29%▼0.022.43%▲0.122.43%22.43%22.43%22.48%▲0.1
FIIs3.02%3.5%▲0.54.8%▲1.34.67%▼0.14.68%▲0.04.67%▼0.04.97%▲0.35.23%▲0.3
DIIs12.64%8.01%▼4.65.89%▼2.15.66%▼0.25.93%▲0.36.62%▲0.76.11%▼0.55.72%▼0.4
Public61.95%66.19%▲4.267.01%▲0.867.22%▲0.266.95%▼0.366.28%▼0.766.48%▲0.266.58%▲0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses221255271287270352309299310341
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit5761704533-3435303750
EPS ₹5.395.736.594.273.13-3.183.322.863.444.68

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 5.72% (-12.96pp change). FIIs: 5.23% (+3.55pp change). Promoters hold 22.48%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 11.4x with 7.33% ROCE. Price is -17% above book value of ₹196. Dividend yield: 0%.

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