SURYODAY SMALL FIN BK LTD
SURYODAY · General/Diversified · NSE
₹165
Current Market Price
Fair Value (P/B + Residual Income)
₹204
Discount to FV
+23.7%
Updated just now
YieldIQ Score
65/100
Piotroski F-Score
9/9
Economic Moat
Narrow
Confidence
23%
ROE
6.0%
Debt/Equity
1.29
Cost of Equity
11.1%
Market Cap
₹1,752 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
20.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹164.85
Bear case
Discount -14.5%
Base case
Discount +19.2%
Bull case
Discount +37.6%
Ratio Trends
SURYODAY · last 5 annual periods
ROE
6.0%
ROCE
—
Operating Margin
—
Debt / Equity
1.29×
PE
13.0×
EV / EBITDA
—
Historical Financials
SURYODAY · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹678 Cr | ₹844 Cr | ₹1182 Cr | ₹1323 Cr | ₹1458 Cr | +21.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹-93.0 Cr | ₹77.7 Cr | ₹216 Cr | ₹115 Cr | ₹152 Cr | — |
| EPS (diluted) | ₹-8.76 | — | ₹20.19 | — | — | — |
| CFO | ₹-347 Cr | ₹-97.7 Cr | ₹935 Cr | ₹1320 Cr | ₹652 Cr | — |
| CapEx | ₹-91.4 Cr | ₹-92.6 Cr | ₹-55.7 Cr | ₹-177 Cr | ₹-75.6 Cr | — |
| FCF | ₹-438 Cr | ₹-190 Cr | ₹879 Cr | ₹1143 Cr | ₹577 Cr | — |
| Total Assets | ₹8180 Cr | ₹9861 Cr | ₹12.4K Cr | ₹15.6K Cr | ₹19.9K Cr | +24.9% |
| Total Debt | ₹1837 Cr | ₹2041 Cr | ₹1726 Cr | ₹2485 Cr | ₹3122 Cr | +14.2% |
| Shareholders' Equity | ₹1505 Cr | ₹1585 Cr | ₹1805 Cr | ₹1927 Cr | ₹2078 Cr | +8.4% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
SURYODAY vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 ESAFSFB ESAFSFB | — | — | Pending | -26.8% | — |
FINOPB FINOPB | — | — | Pending | 12.4% | — |
 CAPITALSFB CAPITALSFB | — | — | Pending | 9.7% | — |
 DHANBANK DHANBANK | — | — | Pending | 7.0% | 7.5× |
 UTKARSHBNK UTKARSHBNK | — | — | Pending | 0.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for SURYODAY in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. SURYODAY SMALL FIN BK LTD (SURYODAY.NS) trades at 164.85 vs a model fair value of 204.00, a gap of 23.7%. Piotroski F-score: 9/9. Moat la...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of SURYODAY →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for SURYODAY →
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Head-to-head with peers
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse SURYODAYNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.