SURYODAY SMALL FIN BK LTD
SURYODAY · General/Diversified · NSE
₹147
Current Market Price
Fair Value (DCF)
₹557
Margin of Safety
+279.2%
Updated 1d ago
YieldIQ Score
66/100
Piotroski F-Score
5/9
Economic Moat
Narrow
Confidence
49%
ROE
3.4%
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹1,562 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.08×
Revenue per ₹ of assets
Revenue CAGR (3Y)
25.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹146.94
Bear case
₹529.33
MoS +72.2%
Base case
₹557.19
MoS +73.6%
Bull case
₹1,971.58
MoS +92.5%
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 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | ₹844 Cr | — | ₹1323 Cr | +11.9% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | ₹77.7 Cr | — | ₹115 Cr | +10.3% |
| EPS (diluted) | ₹-4.76 | ₹-8.76 | — | ₹5.71 | — | — |
| CFO | — | — | ₹-97.7 Cr | — | ₹1320 Cr | — |
| CapEx | — | — | ₹-92.6 Cr | — | ₹-177 Cr | — |
| FCF | — | — | ₹-190 Cr | — | ₹1143 Cr | — |
| Total Assets | — | ₹8180 Cr | ₹9861 Cr | ₹12.4K Cr | ₹15.6K Cr | +17.5% |
| Total Debt | — | — | ₹2041 Cr | — | ₹2485 Cr | +5.0% |
| Shareholders' Equity | — | — | ₹1585 Cr | — | ₹1927 Cr | +5.0% |
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 CAPITAL SMALL FIN BANK L | +289.1% | 79 | Undervalued | 9.9% | — |
| DHANBANK DHANLAXMI BANK LIMITED | +91.3% | 58 | Undervalued | 7.0% | — |
| UTKARSHBNK UTKARSH SMALL FIN BANK L | +15.0% | 38 | Fairly valued | 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
SURYODAY SMALL FIN BK LTD appears undervalued by 279.2%, with a standout 25.0% 3-year revenue CAGR, but its low 3.4% ROE is a concern.
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
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 →
Compare
Head-to-head with peers
Compare SURYODAY side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, 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.