💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Suryoday Small Finance Bank Limited (the Bank) is an India-based banking company. The Bank is primarily engaged in extending microcredit to economically weaker women. The Bank follows the Grameen model with adaptations using the Joint Liability Groups (JLG) framework. The…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, reasonably priced.
Suryoday Small Finance Bank is scored on the bank / lender framework. It keeps a slim 6.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 25%/yr and profit at 25%/yr. Book value has grown 10%/yr. Return on equity is a modest 10.7%. In the latest quarter profit grew 2% versus the prior quarter.
At 10× earnings, the stock sits at the 31st percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-7%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 6.52 | 9.9 | better |
| P/B | 0.7 | 1.39 | better |
| ROE | 10.73 | 9.98 | better |
| ROA | 0.89 | 0.92 | worse |
| NIM | 6.19 | 4.25 | better |
| Net NPA | 4.21 | 0.79 | worse |
| CASA | 22.6 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 25% CAGR over 3 years — high-growth territory.
The latest year saw a +32% swing — check if it's a one-off or structural.
Operating margins have been stable around 8% — no major structural shift.
25% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 4.3× PAT — earnings are well-backed by cash; strong accrual quality. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 8% sequentially — momentum is building. Run-rate stepping up — recent quarters average 21% above earlier ones.
Quarterly net margins are expanding (6% → 9%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 22.5% — widely held; sentiment-driven.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.