Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SURYODAY.NS
Strong BuySecond WindFLAGSuryoday Small Finance Bank Limited · Financial Services · India · $174M · Avg Vol: $830K/d
Insufficient evidence for a screen-pass. Suryoday Small Finance Bank Limited: fails the quant gate on quality (Q46/V68/M63; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
COMPANY DESCRIPTION
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8.4B | 11.8B | 13.2B | 14.6B | 20.0% | 14.1B | 19.2B | 24.0B | 28.3% |
| EPS (INR) | 7.32 | 20.34 | 10.82 | 14.30 | 25.0% | 18.43 | 28.25 | 35.25 | 57.0% |
| Shares | 106.2M | 106.2M | 106.3M | 106.3M | +0.1% | 106.3M | — | — | — |
| Debt | 20.4B | 17.3B | 24.9B | 28.5B | 11.8% | 31.4B | — | — | — |
| Equity | 15.8B | 18.0B | 19.3B | 20.8B | 9.5% | — | — | — | — |
| Op CF | -977.0M | 9.3B | 13.2B | 6.5B | -16.5% | 6.6B | — | — | — |
| Inv CF | -2.7B | -2.6B | -10.6B | -7.9B | — | — | — | — | — |
| Fin CF | 2.1B | -3.2B | 2.7B | 4.1B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SURYODAY.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SURYODAY.NS | Suryoday Small Finance Bank Limited(you) | $174M | 81 | Strong Buy |
| DHANBANK.NS | Dhanlaxmi Bank Limited | $130M | 84 | Strong Buy |
| CAPITALSFB.NS | Capital Small Finance Bank Limited | $133M | 72 | Buy |
| DCBBANK.NS | DCB Bank Limited | $780M | 88 | Strong Buy |
| SOUTHBANK.NS | The South Indian Bank Limited | $1.3B | 81 | Strong Buy |
| KTKBANK.NS | The Karnataka Bank Limited | $1.3B | 85 | Strong Buy |
| TMB.NS | Tamilnad Mercantile Bank Limited | $1.5B | 86 | Strong Buy |
| JSFB.NS | Jana Small Finance Bank Limited | $602M | 56 | Hold |
| ESAFSFB.NS | ESAF Small Finance Bank | $226M | 36 | Hold |
| UJJIVANSFB.NS | Ujjivan Small Finance Bank Limited | $1.3B | 62 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%