| Management target | Revenue 30.0% FY27 |
|---|
| Revenue growth | Guided at 30% for FY27. |
|---|---|
| Margins | Yields expected to stabilize around 17%; cost of funds ~7.5%. |
| Demand visibility | Strong demand for loans; scaling individual loan portfolio. |
| Management confidence | High; citing stabilization and CGFMU claim support. |
Growth
Gross advances grew 32.5% YoY; Deposits grew 29.4% YoY. Retail deposits constitute 87.3% of total base.
Outlook
Guided for ROA of 1.3%-1.4% and ROE of 13%-14%. Plans to add 50 branches; targeting 12 lakh digital users.
Risks
Potential stress in used commercial vehicle portfolio due to fuel prices; caution maintained during microfinance cycle turns.
Last quarter's promises, checked
Delivered
- Guided Q1FY27 ROA 1.2% → delivered 1.3% (= BEAT)
- Targeted slippages INR 75-90 Cr → delivered INR 74 Cr (= BEAT)
- Targeted Cost-to-Income <70% → delivered 67-68% (= BEAT)
Partly delivered
- Targeted 20-30% Asset Growth → delivered 32.5% (= BEAT)
- Guided NIM 8-9% → delivered ~8.5% (= PARTIAL)
Missed
- Guided CGFMU claim INR 450-550 Cr → delivered INR 0 (Pending Q1/Q2) (= MISS)
Investor Presentation filed with BSE, NSE: SURYODAY. Summary written with AI assistance from the document.
Suryoday Small Finance Bank Ltd: key numbers
- Share price
- ₹149.12
- Market cap
- ₹1,585 Cr
- Revenue (annual)
- ₹2,160 Cr
- Net profit (annual)
- ₹152.0 Cr
- P/E (TTM)
- 8.3×Sector 22.0×
- Promoter holding
- 22.48%+0.00% QoQ
- FII holding
- 5.35%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 Q1FY27 PAT of ₹75.2 Cr (+113.1% YoY) driven by strong growth in the mortgage and vehicle segments, and improved asset quality with NNPA at 1.2%.
- Call
- Guides 32% growth
Suryoday Small Finance Bank Management Change
Suryoday Small Finance Bank has appointed Ms. Geeta Krishnan as the Company Secretary and Compliance Officer, effective September 24, 2026.
Suryoday Small Finance Bank Debt & Borrowing: ₹200 Cr
Suryoday Small Finance Bank's board approved issuing up to Rs. 200 Crore in non-convertible debentures. The board also appointed Ms. Geeta Krishnan as interim Company Secretary.
- Value
- ₹200.0 Cr
- Execution
- Tenure not exceeding 10 years
Suryoday Small Finance Bank Employee Stock Options
Suryoday Small Finance Bank's NRC approved 2,46,026 ESOPs at ₹195.53 per option under the 2019 scheme. No cash transaction occurs at the grant stage.
Suryoday Small Finance Bank Board Meeting Date
Suryoday Small Finance Bank will hold a board meeting on September 21, 2026, to consider raising funds via the issuance of Non-Convertible Debentures.
Suryoday Small Finance Bank Employee Stock Options
Suryoday Small Finance Bank granted 1,59,672 employee stock options to eligible staff under the Suryoday ESOP Scheme-2019. These options are subject to future vesting.