Suryoday Small Finance Bank Ltd
Ticker: SURYODAY
Decent
68/100
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Investing Reference
Price
152.48
Market Cap
1620.71
Debt/Equity
0.0000
ROE %
6.161
PB
0.8410
Promoter %
22.435
Pledge %
5.024
1Y Rev Growth %
20.072
5Y Rev Growth %
20.511
NP Margin %
5.295
NP Margin 5Y Avg %
3.142
Trading Reference
1M Return %
9.542
6M Return %
15.796
1Y Return %
1.762
% Away 52W High
6.866
% Away 52W Low
55.639
Daily Volume
337073
Investment Verdict
Hold
Score 69/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 65/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Suryoday Small Finance Bank Ltd shows steady growth potential with a focus on underserved markets.
✅ Positives
- Strong loan growth in microfinance sector
- Improving asset quality and lower NPAs
- Diverse product offerings enhancing customer base
⚠️ Negatives
- High competition in small finance banking
- Regulatory challenges affecting margins
- Dependence on rural economy fluctuations
Verdict
Moderate growth potential with manageable risks.
Recommendation: Consider buying for long-term gains.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 31/10/2025
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Business Overview
Suryoday Small Finance Bank Ltd is a prominent player in India's financial landscape, dedicated to providing accessible banking solutions to underserved segments of society. Catering primarily to low- and middle-income individuals, the bank focuses on empowering customers through tailored financial products. Its commitment to financial inclusion is vital for fostering economic growth in India. With a strong emphasis on customer service and innovative banking solutions, Suryoday is well-positioned to meet the evolving needs of its clientele.
- Focused on financial inclusion
- Tailored products for low- and middle-income customers
- Strong commitment to customer service
- Innovative banking solutions
- Contributes to economic growth in India
Investment Thesis
Suryoday Small Finance Bank presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the bank favorably in the expanding small finance sector.
- Strong promoter group with a proven track record enhances trust and stability.
- Robust growth in digital services aligns with the rising demand for tech-driven banking solutions.
- Attractive valuation metrics compared to industry peers indicate potential for upside.
- Focus on financial inclusion supports long-term growth prospects.
- Resilience in economic downturns due to diversified loan portfolio.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance
- Expansion into new regions
- Digital banking initiatives
- Strong customer base
- Government support for small finance
Risks ⚠️
- Regulatory changes impact operations
- High competition in sector
- Economic downturn affecting borrowers
- Asset quality concerns
- Interest rate fluctuations
Peer Perspective
Suryoday Small Finance Bank trades at a slight premium to peers like Ujjivan SFB and Equitas, reflecting its robust growth potential. A focus on margin stability could trigger a rerating in the coming quarters.
Future Outlook
Suryoday Small Finance Bank Ltd is well-positioned for growth, leveraging its expanding customer base and digital initiatives; however, successful execution and effective cost control will be crucial to sustaining profitability in the coming quarters.
AI FAQs for Retail Users
- Q: What does Suryoday Small Finance Bank do?A: Suryoday Small Finance Bank provides financial services, focusing on underserved segments and microfinance.
- Q: Is Suryoday Small Finance Bank listed on stock exchanges?A: Yes, Suryoday Small Finance Bank is listed on the Bombay Stock Exchange and National Stock Exchange.
- Q: What are the main services offered by Suryoday Small Finance Bank?A: The bank offers savings accounts, loans, and microfinance services to customers.
- Q: How can I invest in Suryoday Small Finance Bank shares?A: You can invest through a brokerage account or online trading platform.
- Q: What factors should I consider before investing in this stock?A: Consider the bank's financial performance, market conditions, and your investment goals.
📊 Stock Investment Checklist (100 Points)
Suryoday Small Finance Bank Ltd • Updated: 2025-09-17 17:12:28
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10BusinessHighThe small finance banking sector is growing, but competition is intense.
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10GrowthHighRevenue and profit growth have shown consistency over the past few years.
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10ProfitabilityHighROE and ROCE are decent, but OCF is slightly lower than net profit.
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8ValuationHighValuation metrics are reasonable compared to peers, but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are some concerns about disclosures.
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5DriversGoodGrowth drivers exist, but execution risks are notable.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Suryoday Small Finance Bank has a decent outlook with stable growth, but faces challenges in governance and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100