Suryoday Small Finance Bank, 543279, SURYODAY Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,194.64
5.70
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,823.84
N/A
0.61

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-0.82
0.49
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

29.06
14.25
-

PAT CAGR (%)

10 Years
5 Years
3 Years

0.98
0.89

P:E (Median)

8 Years
5 Years
3 Years

-
-
6.81

P:BV (Average)

8 Years
5 Years
3 Years

-
-
0.89

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
9.85

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 487.85 410.71 18.78% 507.20 375.24 35.17% 488.12 358.09 36.31% 444.66 329.44 34.97%
Interest Exp. 219.58 165.02 33.06% 207.22 154.18 34.40% 194.89 133.39 46.11% 173.88 119.33 45.71%
Net Interest Income 268.27 245.69 9.19% 299.98 221.06 35.70% 293.23 224.70 30.50% 270.78 210.11 28.88%
NIM 8.40 9.80 -14.29% 9.70 9.40 3.19% 10.00 10.10 -0.99% 10.10 10.40 -2.88%
Other Income 39.55 51.90 -23.80% 47.45 51.75 -8.31% 70.15 51.04 37.44% 64.70 33.97 90.46%
Total Income 527.40 462.61 14.01% 554.65 426.99 29.90% 558.27 409.13 36.45% 509.36 363.41 40.16%
Operating Exp. 236.46 183.43 28.91% 220.51 178.46 23.56% 219.10 158.67 38.09% 207.15 142.38 45.49%
Operating Profit 71.36 114.16 -37.49% 126.92 94.35 34.52% 144.28 117.07 23.24% 128.33 101.70 26.18%
Provision 33.62 37.86 -11.20% 66.77 26.67 150.36% 51.56 53.65 -3.90% 48.16 51.47 -6.43%
PBT 37.74 76.30 -50.54% 60.15 67.68 -11.13% 92.72 63.42 46.20% 80.17 50.23 59.61%
PBTM 7.74 18.58 -58.34% 11.86 18.04 -34.26% 19.00 17.71 7.28% 18.03 15.25 18.23%
TAX 4.44 19.08 -76.73% 14.76 17.38 -15.07% 22.66 15.82 43.24% 19.33 11.32 70.76%
PAT 33.30 57.22 -41.80% 45.39 50.30 -9.76% 70.06 47.60 47.18% 60.84 38.91 56.36%
PATM 6.83% 13.93% 8.95% 13.40% 14.35% 13.29% 13.68% 11.81%
EPS 3.13 5.39 -41.93% 4.27 4.74 -9.92% 6.59 4.48 47.10% 5.73 3.67 56.13%
Gross NPA 528.95 223.26 136.92% 273.02 197.73 38.08% 240.99 190.78 26.32% 242.37 191.40 26.63%
Gross NPA% 5.53 3.06 80.72% 3.03 2.90 4.48% 2.84 3.04 -6.58% 2.94 3.13 -6.07%
Net NPA 292.32 102.01 186.56% 70.19 97.94 -28.33% 38.91 100.55 -61.30% 69.87 92.97 -24.85%
Net NPA% 3.13 1.42 120.42% 0.80 1.46 -45.21% 0.47 1.63 -71.17% 0.86 1.55 -44.52%
CASA 19.50 18.50 5.41% 17.90 15.70 14.01% 17.70 14.90 18.79% 20.10 17.11 17.48%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12
Net Interest Income 1,132.26 962.23 746.57 584.45 410.50 490.50 -94.80 -55.06 -28.40 -9.45 -4.09 Interest Earned 1,927.83 1,588.70 1,183.68 941.82 776.15 766.68 0.00 0.00 0.00 0.00 0.00 Interest Expended 795.57 626.47 437.11 357.37 365.65 276.18 94.80 55.06 28.40 9.45 4.09 Int. income Growth 25.59% 28.89% 27.74% 42.38% -16.31% 617.41% -72.18% -93.87% -200.53% -131.05% Other Income 221.85 219.38 97.42 93.56 76.40 87.45 11.28 7.73 4.24 2.60 1.14 Total Income 2,149.68 1,181.61 843.99 678.01 486.90 577.95 -83.52 -47.33 -24.16 -6.85 -2.95 Total Expenditure 883.22 842.70 699.80 785.70 459.77 414.20 -34.08 -19.72 -8.94 3.39 7.10 Employee Cost - 360.82 242.37 228.16 185.84 171.37 41.79 24.52 13.61 8.59 0.00 % Of Sales - 22.71% 20.48% 24.23% 23.94% 22.35% 0 0 0 0 0 Opt. & Establishment Exp. - 418.24 307.49 204.32 157.83 110.53 -79.53 -45.51 -23.79 -6.04 7.64 % Of Sales - 26.33% 25.98% 21.69% 20.33% 14.42% 0 0 0 0 0 Provisions - 166.34 236.60 391.98 146.16 151.86 6.34 3.65 1.98 1.42 0.00 % Of Sales - 10.47% 19.99% 41.62% 18.83% 19.81% 0 0 0 0 0 EBITDA 470.89 338.91 144.19 -107.69 27.13 163.75 34.08 19.72 8.94 -3.39 -7.10 EBITDA Margin 54.19% 35.22% 19.31% -18.43% 6.61% 33.38% 0 0 0 0 0 Depreciation 0.00 51.35 43.33 19.38 15.03 9.78 1.34 1.19 0.37 0.29 0.27 PBT 270.78 287.57 100.86 -127.07 12.10 153.98 41.81 25.49 12.88 2.86 0.65 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 61.19 71.61 23.17 -34.04 0.24 43.04 14.37 8.64 4.06 0.91 0.23 Tax Rate 22.60% 24.90% 22.97% 26.79% 1.98% 27.95% 34.37% 33.90% 31.52% 31.82% 35.38% PAT 209.59 215.96 77.69 -93.03 11.86 110.94 27.44 16.85 8.82 1.95 0.43 PAT before Minority Interest 209.59 215.96 77.69 -93.03 11.86 110.94 27.44 16.85 8.82 1.95 0.43 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 15.48% 18.28% 9.21% -13.72% 2.44% 19.20% 0 0 0 0 0 PAT Growth 8.02% 177.98% 0 -884.40% -89.31% 304.30% 62.85% 91.04% 352.31% 353.49% EPS 19.72 20.32 7.31 -8.75 1.12 10.44 2.58 1.59 0.83 0.18 0.04

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Shareholder's Funds 1,804.96 1,584.73 1,505.12 1,596.90 1,066.23 87.49 64.12 28.69 Share Capital 106.20 106.16 106.16 106.13 86.59 26.70 23.37 13.43 Total Reserves 1,688.66 1,469.79 1,389.75 1,480.66 972.53 60.50 40.48 15.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 7,777.27 5,166.72 3,853.88 3,255.68 2,848.71 0.00 0.00 0.00 Borrowings 2,442.98 2,765.41 2,551.34 1,666.62 1,264.62 0.00 0.00 0.00 Other Liabilities & Provisions 352.48 344.36 269.85 192.79 184.96 0.00 0.00 0.00 Total Liabilities 12,377.69 9,861.22 8,180.19 6,711.99 5,364.52 87.49 64.12 28.69 Net Block 152.18 163.15 66.03 34.95 30.49 1.04 0.71 0.36 Gross Block 299.43 259.24 124.25 73.98 54.96 2.10 1.43 0.85 Accumulated Depreciation 147.25 96.08 58.22 39.03 24.47 1.05 0.72 0.49 Total Non-Current Assets 12,026.14 9,574.88 7,901.50 6,496.33 5,216.47 99.42 45.21 21.13 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 16.62 1.33 49.22 8.27 8.24 0.00 0.00 0.05 Cash and balance with RBI 813.78 784.23 607.45 102.80 60.53 0.00 0.00 0.00 Balance with banks and money at call 366.29 40.93 370.24 493.84 777.07 0.00 0.00 0.00 Investments 2,599.30 2,570.19 2,057.68 1,873.70 808.20 98.38 44.50 20.72 Advances 8,077.97 6,015.05 4,750.88 3,982.77 3,531.94 0.00 0.00 0.00 Other Assets 351.55 286.35 278.68 215.66 148.05 0.00 0.00 0.00 Total Assets 12,377.69 9,861.23 8,180.18 6,711.99 5,364.52 99.42 45.21 21.13 Contingent Liabilities 4.38 22.29 4.15 4.75 4.62 6.57 13.51 13.25 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 169.01 148.45 140.91 149.51 122.31 32.66 27.32 21.20

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Cash From Operating Activity 934.73 -97.70 -346.51 -876.34 525.82 -71.00 -6.78 12.75 PBT 287.57 100.86 -127.06 12.10 153.97 12.88 2.86 0.65 Adjustment 224.84 293.32 423.34 192.10 168.78 -1.73 -0.98 4.83 Adjustments for Liabilities & Assets 436.59 -493.21 -627.43 -1,050.45 271.37 -78.60 -6.74 7.81 Refund/(Payment) of direct taxes -14.27 1.34 -15.36 -30.09 -68.31 -3.55 -1.93 -0.54 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -263.36 -265.70 -157.60 -279.97 -166.76 3.77 -0.02 0.28 Net Fixed Assets -55.48 -87.10 -91.22 -19.05 -61.10 -0.67 -0.53 Other Investment Activity -581.75 -418.17 -453.44 -249.01 -59.43 -2.12 -1.15 Cash from Financing Activity -321.92 213.47 885.04 914.95 210.06 78.63 33.42 -3.63 Closing Cash & Equivalent 1,173.64 824.18 974.11 593.19 834.55 53.70 42.29 15.68 Net Cash Inflow / Outflow 349.45 -149.93 380.92 -241.36 569.12 11.40 26.61 9.40 Opening Cash & Equivalents 824.18 974.11 593.19 834.55 265.43 42.30 15.68 6.28

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12
Book Value 169.01 148.45 140.91 149.51 122.31 32.66 27.32 21.20 NIM 8.12 7.93 7.51 6.36 9.47 0.00 0.00 0.00 Yield on Advances 19.67 19.68 19.82 19.49 21.71 0.00 0.00 0.00 Yield on Investments 7.15 4.45 5.13 4.85 7.42 0.00 0.00 0.00 Cost of Liabilities 6.13 5.51 5.58 7.43 6.71 0.00 0.00 0.00 Interest Spread 13.54 14.17 14.24 12.06 14.99 0.00 0.00 0.00 ROCE 11.06% 6.26% 0.05% 4.98% 11.46% 14.26% 9.57% 7.44% Cost Income Ratio 61.59 60.02 60.93 67.50 47.08 0.00 0.00 0.00 Core Cost Income Ratio 61.73 57.60 60.39 68.41 47.67 0.00 0.00 0.00 Operating Costs to Assets 5.88 5.14 5.05 4.90 5.07 0.00 0.00 0.00 Loans/Deposits 0.31 0.54 0.66 0.51 0.44 0.00 0.00 0.00 Cash/Deposits 0.10 0.15 0.16 0.03 0.02 0.00 0.00 0.00 Investment/Deposits 0.33 0.50 0.53 0.58 0.28 0.00 0.00 0.00 Inc Loan/Deposits 31.41% 53.52% 66.20% 51.19% 44.39% 0.00% 0.00% 0.00% Credit Deposits 103.87% 116.42% 123.28% 122.33% 123.98% 0.00% 0.00% 0.00% Interest Expended / Interest earned 39.43% 36.93% 37.94% 47.11% 36.02% 0.00% 0.00% 0.00% Interest income / Total funds 12.84% 12.00% 11.51% 11.56% 14.29% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.06% 4.43% 4.37% 5.45% 5.15% 0.00% 0.00% 0.00% CASA 20.13% 17.11% 18.79% 15.44% 11.45% 0.00% 0.00% 0.00%