Suryoday Small Finance Bank Limited (SURYODAY) Fair Value & Analysis
Financial Services · IN · Market cap ₹19.4B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +7.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹116.44 – ₹183.70 · fair‑value band ₹139.40 – ₹232.34 · the ₹182.15 price screens below the ₹185.87 fair value. As of Jul 3, 2026.
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Suryoday Small Finance Bank Limited (SURYODAY) currently trades at ₹182.15, while our model-based Fair Value estimate is ₹185.87 — implying the stock looks roughly 2.0% undervalued today. We read business quality at 62/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Suryoday Small Finance Bank Limited generated revenue of ₹12.7B at a net margin of 11.9%. Revenue grew 73.0% year over year. It earns a return on equity of 7.6%. Net debt stands at ₹10.2B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, and current accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, commercial vehicle, and car loans; micro home loans and micro LAP; home loan; secured business loan; personal loan; MSME loan; merchant loan for business; small business loan; and supply chain finance, as well as joint liability group and individual unsecured loans. In addition, the company offers debit and credit cards; life and general insurance services; social security schemes and mutual funds and broking services; inward and outward remittance services; and internet banking and mobile banking services. The company was incorporated in 2008 and is based in Navi Mumbai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Suryoday Small Finance Bank Limited reported revenue of ₹25.2B in FY2026 versus ₹10.4B in FY2022, a compound +24.9%/yr. Reported net income was ₹1.5B in FY2026.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.