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Suryoday Small Finance Bank share price & results

Suryoday Small Finance Bank Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Small finance bank: 717 outlets in 16 states serving 4.2M customers via micro, mortgage, vehicle & MSME loans.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue622 ₹ crore+25.7% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit75.0 ₹ crore+114.3% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity9.59 %+1.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)16.68 %−12.4 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

6 of 12 judged targets kept · 20 open · verdicts reflect calls analysed to Q1 FY27.

Suryoday Small Finance Bank Limited management guidance track record on Inve: 32 targets tracked across analysed earnings calls (6 achieved, 6 missed, 20 open).

TargetOriginal wordingSaidLatest callVerdict
CASA RatioReach the 20% range in the coming quarters.
Call transcript, Q1 FY26 · 25 Jul 2025		Q1 FY26Q1 FY27:CASA ratio reported at 21.0%, remaining above the original target range.
Call transcript, Q1 FY27 · 24 Jul 2026		Achieved
CGFMU Claim Amount₹200 crores to ₹300 crores in Q1 FY27.
Call transcript, Q3 FY26 · 23 Jan 2026		Q3 FY26Q1 FY27:The bank accounted for ₹134 crores receivable under the CGFMU scheme in Q1, which is significantly below the guided range of ₹200-300 crores.
Call transcript, Q1 FY27 · 24 Jul 2026		Missed
Cost-to-income ratioWell below the 65% mark in FY27.
Call transcript, Q3 FY26 · 23 Jan 2026		Q3 FY26Q1 FY27:Guidance further diluted to a range of '67% to 70%', moving further away from the original 'well below 65%' target.
Call transcript, Q1 FY27 · 24 Jul 2026		Revised Down

Source: Inve Guidance Tracker for Suryoday Small Finance Bank Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

6 of Suryoday Small Finance Bank Limited's 32 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 29 more targets are in the full ledger.

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Price

₹131.45 +0.91% · +₹1.19

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −14.5% 1Y

₹120₹140₹160₹180₹200Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q3 FY26 — 23 Jan 2026Q4 FY26 — 8 May 2026Q1 FY27 — 24 Jul 2026

1Y: ₹153.72 on 24 Oct 2025 → ₹131.45. High ₹194.31 (23 Jul 2026), low ₹116.44 (24 Feb 2026).

Previous close
₹130.26
Market cap
₹1.4k Cr
52-week range
₹116.44 – ₹194.31
One year
−15.80%
Price to earnings (TTM to Jun 2026)
7.21×
Return on equity (TTM to Jun 2026)
9.59%

Overview

Symbol
NSE:SURYODAY
Exchange
NSE
Currency
INR

What Suryoday Small Finance Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

Suryoday Small Finance Bank is a scheduled commercial bank built around financial inclusion, lending to semi-urban and urban households through Joint Liability Group (JLG) micro-loans and individual Vikas Loans, and graduates JLG borrowers to Vikas Loans after a curation period as their credit history builds. Alongside this inclusive-finance book it runs a secured Retail Assets business covering mortgages/loans-against-property, commercial vehicle (including used-CV) and construction-equipment financing, and MSME lending. It funds this lending through retail term deposits, CASA and digital fixed deposits gathered across its branch network and digital channels, and cross-sells a secured credit card and a UPI-based credit line to its deposit customers. Roughly 98% of its inclusive-finance portfolio carries CGFMU credit-guarantee cover.

Segments

  • Inclusive Finance (IF)
  • Retail Assets (RA)
  • Liabilities / Deposits
Customer base
4.2 million
Banking outlets
717
Geographic footprint
16 states and union territories
Employees
8,574
Branch mix
383 asset-focused outlets, 137 liability-focused outlets, 197 rural centers
Credit Line on UPI reach
~11 lakh pre-qualified customers; ~5.3 lakh sanctioned
Founded 2008Headquarters Navi Mumbai, Maharashtra, IndiaEmployees 8,574 (March 2026) Company website

How the price took the results

close before → close after

Q1 FY27
−0.6%
24 Jul
Q4 FY26
+11.5%
8 May
Q3 FY26
−4.9%
23 Jan

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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