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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,573.52
6.74
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,202.72
N/A
0.82

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

1.01
0.93

P:E (Median)

8 Years
5 Years
3 Years

-
-
8.64

P:BV (Average)

8 Years
5 Years
3 Years

-
-
0.93

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
11.22

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 507.20 375.24 35.17% 488.12 358.09 36.31% 444.66 329.44 34.97% 410.71 291.75 40.77%
Interest Exp. 207.22 154.18 34.40% 194.89 133.39 46.11% 173.88 119.33 45.71% 165.02 108.30 52.37%
Net Interest Income 299.98 221.06 35.70% 293.23 224.70 30.50% 270.78 210.11 28.88% 245.69 183.45 33.93%
NIM 0.00 9.40 -100.00% 10.00 10.10 -0.99% 10.10 10.40 -2.88% 9.80 9.20 6.52%
Other Income 47.45 51.75 -8.31% 70.15 51.04 37.44% 64.70 33.97 90.46% 51.90 25.65 102.34%
Total Income 554.65 426.99 29.90% 558.27 409.13 36.45% 509.36 363.41 40.16% 462.61 317.40 45.75%
Operating Exp. 220.51 178.46 23.56% 219.10 158.67 38.09% 207.15 142.38 45.49% 183.43 145.85 25.77%
Operating Profit 126.92 94.35 34.52% 144.28 117.07 23.24% 128.33 101.70 26.18% 114.16 63.25 80.49%
Provision 66.77 26.67 150.36% 51.56 53.65 -3.90% 48.16 51.47 -6.43% 37.86 39.68 -4.59%
PBT 60.15 67.68 -11.13% 92.72 63.42 46.20% 80.17 50.23 59.61% 76.30 23.57 223.72%
PBTM 11.86 18.04 -34.26% 19.00 17.71 7.28% 18.03 15.25 18.23% 18.58 8.08 129.95%
TAX 14.76 17.38 -15.07% 22.66 15.82 43.24% 19.33 11.32 70.76% 19.08 5.52 245.65%
PAT 45.39 50.30 -9.76% 70.06 47.60 47.18% 60.84 38.91 56.36% 57.22 18.05 217.01%
PATM 8.95% 13.40% 14.35% 13.29% 13.68% 11.81% 13.93% 6.19%
EPS 4.27 4.74 -9.92% 6.59 4.48 47.10% 5.73 3.67 56.13% 5.39 1.70 217.06%
Gross NPA 273.02 197.73 38.08% 240.99 190.78 26.32% 242.37 191.40 26.63% 223.26 228.85 -2.44%
Gross NPA% 3.03 2.90 4.48% 2.84 3.04 -6.58% 2.94 3.13 -6.07% 3.06 4.23 -27.66%
Net NPA 70.19 97.94 -28.33% 38.91 100.55 -61.30% 69.87 92.97 -24.85% 102.01 146.02 -30.14%
Net NPA% 0.80 1.46 -45.21% 0.47 1.63 -71.17% 0.86 1.55 -44.52% 1.42 2.74 -48.18%
CASA 0.00 15.70 -100.00% 17.70 14.90 18.79% 20.10 17.11 17.48% 18.50 14.10 31.21%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 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 1,109.68 962.23 746.57 584.45 410.50 490.50 -94.80 -55.06 -28.40 -9.45 -4.09 Interest Earned 1,850.69 1,588.70 1,183.68 941.82 776.15 766.68 0.00 0.00 0.00 0.00 0.00 Interest Expended 741.01 626.47 437.11 357.37 365.65 276.18 94.80 55.06 28.40 9.45 4.09 Int. income Growth 32.21% 28.89% 27.74% 42.38% -16.31% 617.41% -72.18% -93.87% -200.53% -131.05% Other Income 234.20 219.38 97.42 93.56 76.40 87.45 11.28 7.73 4.24 2.60 1.14 Total Income 2,084.89 1,181.61 843.99 678.01 486.90 577.95 -83.52 -47.33 -24.16 -6.85 -2.95 Total Expenditure 830.19 842.70 699.80 785.70 459.77 414.20 -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 513.69 338.91 144.19 -107.69 27.13 163.75 34.08 19.72 8.94 -3.39 -7.10 EBITDA Margin 55.14% 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 309.34 287.57 100.86 -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 75.83 71.61 23.17 -34.04 0.24 43.04 14.37 8.64 4.06 0.91 0.23 Tax Rate 24.51% 24.90% 22.97% 26.79% 1.98% 27.95% 34.37% 33.90% 31.52% 31.82% 35.38% PAT 233.51 215.96 77.69 -93.03 11.86 110.94 27.44 16.85 8.82 1.95 0.43 PAT before Minority Interest 233.51 215.96 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 17.38% 18.28% 9.21% -13.72% 2.44% 19.20% 0 0 0 0 0 PAT Growth 50.79% 177.98% 0 -884.40% -89.31% 304.30% 62.85% 91.04% 352.31% 353.49% EPS 21.99 20.34 7.32 -8.76 1.12 10.45 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%