ALFA Finder| Revenue growth | Gross advances grew 32.5% YoY; deposits grew 29.4% YoY. |
|---|---|
| Margins | NIMs expected to remain stable; cost of funds around 7.5%. |
| Demand visibility | Strong credit demand; bank expects credit growth to outpace deposits. |
| Management confidence | Confident, highlighting strategic shift from JLG to individual loans. |
Growth
Gross advances grew 32.5% YoY; retail deposits reached 87.3% of total base, showing improved granularity.
Outlook
Management targets 1.3%-1.4% ROA for FY27, aiming for 1.8%-1.9% by Q4 FY27.
Risks
High exposure to microfinance remains sensitive to rural inflation and credit cycles; slippages in mortgages need monitoring.
Last quarter's promises, checked
Delivered
- Guided 1.2% ROA for Q1 FY27 → delivered 1.3%-1.4% (= BEAT)
- Guided slippages ₹75-₹90Cr/qtr → delivered ₹74Cr in MFI (= BEAT)
- Guided 30% growth in advances → delivered 32.5% YoY (= BEAT)
Partly delivered
- Guided CGFMU claim ₹450-₹550Cr → delivered ₹387Cr received (= PARTIAL)
Missed
- Guided deposit growth to align with advances → delivered 29.4% vs 32.5% (= MISS)
Earnings Call Transcript filed with NSE, NSE: SURYODAY. Summary written with AI assistance from the document.
Suryoday Small Finance Bank Ltd: key numbers
- Share price
- ₹159.73
- Market cap
- ₹1,698 Cr
- Revenue (annual)
- ₹2,160 Cr
- Net profit (annual)
- ₹152.0 Cr
- P/E (TTM)
- 7.1×Sector 20.8×
- Promoter holding
- 22.48%+0.00% QoQ
- FII holding
- 4.70%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Suryoday Small Finance Bank Ltd
All →Suryoday Small Finance Bank Earnings Call Transcript: Key Takeaways
Suryoday SFB reported strong asset quality improvement and growth, though NIM remained flat despite windfall insurance claims.
- Call
- Guides 32% growth
Suryoday Small Finance Bank Investor Presentation: Key Takeaways
Suryoday SFB reported strong Q2FY27 performance with PAT growing 151.7% YoY. Focus continues on pivoting towards individual loans and retail assets which now comprise 59.2% of the mix.
Suryoday Small Finance Bank Management Change
Suryoday Small Finance Bank announced that Mr. Ranjit Jayant Shah, Non-Executive Non-Independent Director, will cease to hold office effective November 2, 2026, upon tenure completion.
Suryoday Small Finance Bank Results Update
Suryoday Small Finance Bank released a press release on its unaudited Q2 and H1 FY27 results. The release highlights profit after tax of Rs.151.7 Cr for H1 FY27, up 131% year on year.
Suryoday Small Finance Bank Q2 FY27 Results: Net Profit ₹76.5 Cr, Up 151.6% YoY
Suryoday Small Finance Bank Ltd reported revenue from operations of ₹702.9 Cr (+35.3% YoY) and net profit of ₹76.5 Cr (+151.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹76.5 Cr · +151.6% YoY
Suryoday Small Finance Bank Debt & Borrowing: ₹100 Cr
Suryoday Small Finance Bank's board approved the issuance of up to Rs. 100 Crore in unsecured, subordinated Lower Tier II Non-Convertible Debentures.
- Value
- ₹100.0 Cr