Suryoday Small Finance Bank Limited

NSE

SURYODAY

Stock

Yield per half year: -4.84%
Dividend yield: 0%
Sector: Financials

Reporting Suryoday Small Finance Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹						21.21	11.61	15.23		17.34	16.02	-10.45
Выручка, млрд ₹	1.01	1.26	2.04	4.07	5.78	5.1	6.78	8.44	11.82	11.82	7.58	15.38
Чистая прибыль, млрд ₹	0.2744	0.151	0.1149	0.904	1.11	0.1186	-0.9303	0.777	2.16	2.16	0.6471	14.24
EV, млрд ₹				8.61	3.78	35.66	18.58	29.12	5.32	5.32	18.49	7.07
EBIT, млрд ₹	0.8363	0.477	1.33	2.8	1.44	-0.0294	-0.9303	0.5753	2.88	2.88	0.7871	14.87
EBITDA, млрд ₹	0.4181	0.2385	1.37	2.86	1.54	0.121	-0.7365	1.01	3.39	3.39	1.06	17.09
OIBDA, млрд ₹					1.97	-0.027	-0.5899	0.8069	4.11	4.11	1.25	15.84
Баланс стоимость, млрд ₹	1.98	5.01	5.38	8.8	10.66	15.97	15.05	15.85	18.05	18.05	15.12	11.11
FCF, млрд ₹	-3.52	-2.6	4.46	-5.56	4.96	-8.96	-4.38	-1.9	8.79	8.79	-0.2980	12.12
Операционный денежный поток, млрд ₹	-3.5	-2.53	4.58	-5.45	5.26	-8.76	-3.47	-0.977	-16.76	-16.76	-4.9414	-226.08
Операционная прибыль, млрд ₹	0.4181	0.2385	1.33	2.8	1.44	-0.0294	-0.7837	0.5753	2.88	2.88	0.8164	14.87
Операционные расходы, млрд ₹	0.5887	1.02	1.31	1.91	2.72	3.29	4.13	5.07	7.28	7.28	4.50	21.76
CAPEX, млрд ₹	0.0208	0.0751	0.1164	0.1103	0.2957	0.1953	0.9142	0.9263	0.5567	0.5567	0.5776	13.49

	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q1	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹									17.69				11.03				17.11					15.28	-1.11
Выручка, млрд ₹												2.01	2.09	2.44	2.76	2.73	2.98	5.09	5.58	5.55	3.08	4.46	0.66
Чистая прибыль, млрд ₹												0.13	0.1805	0.3889	0.476	0.503	0.5722	0.6084	0.7006	0.4539	0.333	0.5336	-10.26
EV, млрд ₹												29.28	28.28	29.12	35.64	34.88	36.51	29.71	35.06	9.22	5.94	23.29	-30.45
EBIT, млрд ₹										-0.3709	1.25	0.3392	0.4714	0.0689	1.27	1.35	1.53	2.54		3.34		2.01	21.34
EBITDA, млрд ₹											1.14	0.1696	0.2357	0.5022	0.6342	0.6768	0.763	1.74	-0.9272	0.6015		0.5708	-2.33
OIBDA, млрд ₹																	0.9538	6.22	-0.7006	3.49		2.49	38.31
Баланс стоимость, млрд ₹												15.27	15.45	15.85	16.33	16.84	17.43	18.05	18.78	19.25	19.6	18.62	2.37
FCF, млрд ₹	0.0175	0.0175	0.0128	0.0128	0.0242	2.84	1.38	-7.29		0.0093				0.0253								-0.6071	-61.10
Операционный денежный поток, млрд ₹	0.0175	0.0175	0.0128	0.0128	0.0242	2.97	1.46	-7.24		0.0093				0.0253								-0.5551	-61.45
Операционная прибыль, млрд ₹												0.1696	0.2357	0.5022	0.6342	0.6768	0.763	5.09	0.9272	3.34	0.7136	2.17	-1.33
Операционные расходы, млрд ₹												1.07	1.46	1.42	1.59	1.78	1.83	2.07	1.05	3.47	2.36	2.16	5.22
CAPEX, млрд ₹						0.1279	0.0779	0.0504														0.0854	-26.69

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	0.8179	0.5566	1.69	2.65	8.37	5.93	9.74	8.33	11.8	11.8	8.83	7.11
Short Term Investments ₹					-0.5417	-0.9087	5.96	7.76	23.6	23.6	7.17	-312.73
Long term investments ₹				6.64	8.08	18.74	20.58	25.7			15.95	31.09
Total Receivables ₹			0.2703	0.4247	0.567	0.7302	0.7863	0.8203	1.22	1.22	0.8248	16.56
Total Current Assets ₹	0.8179	0.5566	1.96	3.08	7.83	5.02	3.79	0.5665	13.02	13.02	6.05	10.71
Чистые активы, млрд ₹			0.1354	0.1898	0.3873	0.4322	1.15	1.64		1.64	0.7599	53.93
Активы, млрд ₹	11.93	16.04	21.56	37.61	53.65	67.12	81.8	98.61	123.78	123.78	84.99	18.20
Short Term Debt ₹			5.25	4.59	5.41	6.12	5.55	8.63	14.1	14.1	7.96	21.12
Задолженность, млрд ₹	9.95	11.04	16.17	28.81	42.98	51.15	66.75	82.76	105.73	105.73	69.87	19.73
Чистый долг, млрд ₹	8.74	4.41	5.29	8.61	3.78	10.97	8.63	19.32	-11.8	-11.8	6.18	-225.57
Долг, млрд ₹				11.27	12.16	16.9	18.37	27.65	24.43	24.43	19.90	14.97
Interest income ₹				5.3	7.67	7.76	9.42	11.84			8.40	17.44
Расходы на обслуживание долга ₹			1.21	1.9	2.76	3.66	3.57	4.37	6.26	6.26	4.12	17.80
Чист. проц. доходы, млрд ₹				3.4	4.91	4.1	5.84	7.47	15.89	11.84	7.64	26.48
Амортизация, млрд ₹	-0.4181	-0.2385	0.0466	0.0559	0.0978	0.1503	0.1938	0.4333	0.5135	0.5135	0.2777	39.33
Себестоимость, млрд ₹									-6.26	-6.26	-6.2600	0.00
Товарно материальные запасы ₹			-2.34	-3.19	-9.51	-7.43	11.35	10.07	10.58	10.58	3.01	-202.16

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹							4.4	6.67	8.33	8.48	7.26	5.88	11.8	9.21	10.73	8.52	9.23	7.70
Short Term Investments ₹					0.0358					3.97			23.6	18.43			11.51	376.33
Long term investments ₹			18.38	20.6	20.58	28	24.24	24.72	25.7	27.22	29.05	28.54					27.05	2.92
Total Receivables ₹	0.7302	6.73	1.87	1.93	0.7863	1.31	0.2442	1.59	0.8203	3.97							1.59	24.83
Total Current Assets ₹							4.4	6.67	9.15	4.51	7.26	5.88	11.8	9.21	10.73	8.52	9.23	7.70
Чистые активы, млрд ₹	0.4322	0.4202	0.4144	0.5312	1.15	1.5	1.58	1.72	1.64	1.58							1.60	1.04
Активы, млрд ₹							83.85	89	98.61	102.08	108.56	111.22	123.78	127.44	135	139.26	127.34	4.60
Short Term Debt ₹					5.55				8.63				14.1				9.43	36.45
Задолженность, млрд ₹							23.5	23.61	82.76	25.48	24.8	25.63	105.73	108.66	115.75	119.66	95.09	36.09
Чистый долг, млрд ₹							19.1	16.95	19.32	17	17.54	19.75	12.63	14.19	-10.73	-8.52	5.46	-184.52
Долг, млрд ₹					18.37	26.83	23.5	23.61	27.65	25.48	24.8	25.63	24.43	23.41			24.75	-1.68
Interest income ₹			2.34	2.55	2.37	2.81	2.81	2.92	3.29	3.58	3.75	4.11					3.53	7.08
Расходы на обслуживание долга ₹							1.05	1.08	1.19	1.33	1.54	1.65	1.74	1.95	2.07	2.2	1.92	5.92
Чист. проц. доходы, млрд ₹					1.46	1.77	1.76	1.83	2.1	2.25	2.21	2.46	4.45	4.88			3.25	16.75
Амортизация, млрд ₹						-0.1011	-0.1696	-0.2357	0.4333	-0.6342	-0.6768	-0.763	-0.8017	-0.9272	-2.74		-1.1817	32.27
Себестоимость, млрд ₹															-2.07		-2.0700	0.00
Товарно материальные запасы ₹					-10.56				-9.25								-9.9050	-6.41

Share

IFRS

Reporting Annual Quarterly

	2015	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS				8.52	10.48	1.31	-8.76	7.32	20.19		20.19	6.11	14.01
Цена акции ао						145.65	121.8	156.6	135.49	127.07	127.07	137.32	-2.69
Число акций ао, млн	33.15	98.24	69.82	82.03	106.13	107.27	106.14	106.16	106.96		106.96	106.53	0.16
FCF/акцию	-77.13	-26.48	63.87	-67.81	46.76	-83.51	-41.26	-17.93	82.18		82.18	-2.7520	11.94

	2013Q4	2014Q4	2015Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS											1.22	1.7	3.66	4.48	4.61	5.36	5.7	6.55	4.24	3.12			4.99	-10.26
Цена акции ао									126.9	113.86	93.54	103.86	104.35	132.52	173.11	160.32					101.5	127.07	138.90	-0.84
Число акций ао, млн	26.52	33.15	33.15	98.24	69.82	82.03	106.13	107.27				106.16				106.75							101.67	5.41
FCF/акцию	0.0057	0.0679		0.1784	0.1831	0.2949	13.01						0.2382										2.78	5.95

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	13.89	3.02	2.13	10.27	10.4	0.7424	-6	5.03	12.74		12.74	16.86	4.58	4.14
ROA, %	2.3	0.9413	0.533	2.4	2.07	0.1766	-1.25	0.8614	1.94		1.94	4.25	0.7596	-1.29
ROIC, %						0.3792	19.68					9.84	10.03	620.41
ROS, %		12.02	5.63	22.2	19.18	2.32	-13.72	9.21	18.28	18.28	18.28	55.44	6.87	51.11
ROCE, %		9.53	24.61	31.82	13.52	-0.1838	-1.14	0.5863	2.68	15.93	15.93	24.54	3.57	-344.10
Ebit margin, %					26.62	-0.5756	-13.72	6.82	24.34	24.34	24.34		8.24	-311.47
Рентаб EBITDA, %		18.98	67.27	70.15	26.62	2.37	-10.86	11.95	28.68	28.68	28.68	62.66	12.16	64.65
Чистая рентаб, %	27.26	12.02	5.63	22.2	19.18	2.32	-13.72	9.21	18.28		18.28	55.44	7.05	-0.96
Operation Margin, %		18.98	64.98	68.78	24.93	-0.5756	-11.56	6.82	24.34	24.34	24.34	57.78	8.67	-311.47
Доходность FCF, %						-42.24	-37.71	-12.5					-30.8167	-33.36

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		0.8511	1.17	2.45	2.91	3.16	3.5	3.6	4.01	2.51	1.79		16.86	3.08	-12.55
ROA, %		0.155	0.2028	0.3944	0.4663	0.4776	0.5207	0.5178	0.5578	0.3459	0.2428		4.25	0.4370	-14.15
ROS, %			8.63	15.93	17.26	18.44	19.23	11.94	12.55	8.18	10.82	18.28	55.44	12.35	8.89
ROCE, %	8.23	0.5621	0.7209	0.4348	1.66	1.84	1.68	2.83		2.86		15.93	24.54	5.03	53.99
Ebit margin, %						49.62	51.28	49.88		60.24		24.34		47.07	-13.28
Рентаб EBITDA, %		8.46	11.27	20.58	23	24.81	25.64	34.14	-16.61	10.84		28.68	62.66	16.54	2.27
Чистая рентаб, %		6.48	8.63	15.93	17.26	18.44	19.23	11.94	12.55	8.18	10.82		55.44	12.54	-10.86
Operation Margin, %			11.27	20.58	23	24.81	25.64	100	16.61	60.24	23.18	24.34	57.78	44.87	-24.62

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					178.89	-12.48	12.61	7.93		7.93	36.27	46.74	-54.11
P/BV					1.33	0.6615	0.6183	0.9485		0.9485	3.47	0.8896	-8.10
P/S					4.16	1.47	1.16	1.45		1.45	11.13	2.06	-23.16
P/FCF					-2.37	-2.65	-8	1.97	1.97	1.97	9.16	-1.8160	-196.37
E/P					0.0056	-0.0801	0.051	0.1245	0.1245	0.1245	0.14	0.0451	85.95
EV/EBIT				2.46	-1214.87	-19.98	50.62	1.85	1.85	1.85		-236.1060	-127.32
EV/EBITDA			3.01	0.86	9.08	-25.23	28.87	1.57		1.57	37.90	3.03	12.79
EV/S				0.6542	6.99	2.74	3.45	0.4501	0.4501	0.4501	13.64	2.82	-42.22
EV/FCF				0.7624	-3.98	-4.24	-15.3	0.6051	0.6051	0.6051	11.75	-4.4620	-168.61
Debt/EBITDA			3.94	2.76	4.3	-24.94	27.42	7.21	7.21	7.21	17.05	4.24	10.89
Netdebt/Ebitda	18.51	3.86	3.01	2.46	90.69	-11.71	19.16	-3.48	-3.48	-3.48	-0.36	18.24	-152.10
Debt/Ratio				0.2266	0.2518	0.2246	0.2804	0.1974	0.1974	0.1974	0.30	0.2303	-4.75
Debt/Equity				1.14	1.06	1.22	1.75	1.35	5.86	5.86	7.29	2.25	40.77
Debt/Net Income				10.96	142.56	-19.74	35.59	11.31	11.31	11.31	13.96	36.21	-39.76
PEG									-0.9395	-0.9395		-0.9395	0.00
Бета							-0.6607	5.27	0.1027	0.1027	1.32	1.57	-153.77
Индекс Альтмана					0.4872	0.2937	0.3667	0.232	0.248	0.248	1.01	0.3255	-12.63

	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			-45.14	61.09	12.62	15.86	10.99	8.67	7.94	8.78	8.53	6.91			36.27	8.17	-4.44
P/BV			0.6666	0.7137	0.6183	0.2432	0.207	0.1958	0.9466	1.11	1.04	0.7377			3.47	0.8060	30.38
P/S			1.37	5.27	1.16	2.01	1.7	1.54	1.26	1.28	1.04	0.7504			11.13	1.17	-13.39
P/FCF														1.97	9.16	1.97	0.00
E/P	0.0027			0.0164				0.0334						0.1245	0.14	0.0442	160.59
EV/EBIT							25.77	23.93	11.7		2.76			1.85		13.20	-40.95
EV/EBITDA		9.96	8.16	7.16	14.19	56.19	14.05	12.13	7.79	15.57	4.24				37.90	10.76	-21.31
EV/S						12.92	12.78	12.27	5.83	6.28	1.66	1.93		0.4501	13.64	3.23	-40.09
EV/FCF														0.6051	11.75	0.6051	0.00
Debt/EBITDA		23.44	19.25	17.91	55.07	40.18	36.64	33.59	14.05	-25.24				7.21	17.05	13.25	-27.76
Netdebt/Ebitda			112.61	71.91	38.48	26.81	25.92	25.89	7.26	-15.31	-17.84			-3.48	-0.36	-0.6960	-166.94
Debt/Ratio						0.2497	0.2284	0.2305	0.1974	0.1837				0.1974	0.30	0.2075	-2.88
Debt/Equity						1.56	1.47	1.47	1.35	1.25				5.86	7.29	2.28	31.86
Debt/Net Income						53.54	49.3	44.79	40.15	33.41				11.31	13.96	35.79	-25.51
PEG														-0.9395		-0.9395	0.00
Бета													2.92	0.1027	1.32	1.51	-81.25
Индекс Альтмана	0.3764			0.2447									0.2346	0.248	1.01	0.2759	-9.91

Dividends

IFRS

Reporting Annual

	2021	2022	2023	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0061	7.51	7.51			5.01	971.77
Дивиденд				0
Див доход, ао, %				0	1.31
Дивиденды / прибыль, %	5.15	-807.07	966.32	966.32	18.58	54.80	472.49

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	5.11	3.83	13.49	10.98	4.71	4.71	-1.62
Персонал, чел				6 025	6 025		0.00

	CAGR 5

	CAGR 5