ALFA Finder| Management target | Revenue 32.5% FY27 |
|---|
| Revenue growth | 32.5% YoY Gross Advances growth. |
|---|---|
| Margins | NIM at 7.2%; expected to stabilize at 7.5-8.0%. |
| Demand visibility | High in Retail Assets (Mortgage and CV). |
| Management confidence | Strong; emphasizing 'Year of Building Momentum and Consistency'. |
Growth
Gross Advances grew 32.5% YoY to ₹14,376 Cr; Deposits increased 29.4% YoY to ₹14,634 Cr; NII rose 27.8% YoY.
Outlook
FY27 guidance targets 30-35% growth in advances and deposits, with RoA target of 1.3%-1.4%. Plans to add 100 branches.
Risks
Higher cost to income ratio at 70.1% and potential concentration in unsecured micro-banking segments.
Last quarter's promises, checked
Delivered
- ROA 1.6% target (implied) → achieved 1.6% ROA (= BEAT)
- Receiving large CGFMU claim → received ₹386 Cr (= BEAT)
- Shift toward individual loans → 80% of IF monthly onboarding (= BEAT)
Partly delivered
- CASA ratio maintenance → stood at 21% (= PARTIAL)
- Reducing JLG exposure → ongoing transition, but still significant segment (= PARTIAL)
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