Suryoday Small Peer Comparison

NSE: SURYODAY | BSE: 543279

₹159.73

₹9.36 (6.22%)

As on 12-Nov-2026IST

Market cap

₹1,698 Cr

Revenue (TTM)

₹2,471 Cr

P/E Ratio

7.1

P/B Ratio

0.8

Div. Yield

0.9 %

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	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Market cap (₹ Cr)	1,698	11,973	6,612	4,421	2,324
Interest Income (₹ Cr)	2,471	7,809	7,554	5,930	4,162
Net Interest Income (₹ Cr)	1,277.86	4,529.12	3,887.05	3,011.33	2,177.41
NIM (%)	--	8.40	--	7.50	--
RoA (%)	1.25	2.05	1.14	1.03	0.91
Price to Earnings	7.13	10.42	9.39	9.31	8.58
Price-To-Book	0.77	1.61	1.01	0.92	1.15

Income Statement (₹ Cr)

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Interest Earned	2,470.68	7,808.56	7,554.42	5,930.03	4,161.61
Other Income	445.56	1,153.77	1,099.53	966.13	932.33
Total Income	2,916.24	8,962.33	8,653.95	6,896.16	5,093.94
Interest Expended	1,192.82	3,279.44	3,667.37	2,918.70	1,984.20
Operating Expenses	1,243.38	3,586.74	3,469.84	2,649.39	1,904.56
Operating Profit before Prov. & Cont.	384.06	1,710.13	1,264.97	1,165.66	711.97
Provisions and Contingencies	160.46	569.48	593.21	852.96	847.44
Profit Before Tax	199.57	911.03	128.13	326.43	-228.40
Taxes	81.57	377.39	219.17	0.00	86.86
Profit after Tax	238.01	1,149.28	704.36	475.11	270.88
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	238.01	1,149.28	704.36	475.11	270.88

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Shareholder's Funds	2,217.66	7,531.91	6,553.15	4,920.65	2,027.20
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	16,183.72	50,643.01	52,482.72	38,220.80	28,465.63
Borrowings	2,531.95	3,025.53	6,885.81	5,247.91	1,783.67
Other Liabilities & Provisions	509.73	1,434.84	2,524.78	1,725.62	413.16
Total Liabilities	19,883.96	57,541.21	60,610.36	47,447.73	30,867.98

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash and Balance with Reserve Bank of India	1,332.84	2,911.01	6,028.71	3,051.64	872.85
Balances with Banks and Money at Call	218.94	70.84	938.26	282.78	186.13
Investments	4,418.16	13,125.76	12,246.50	10,062.07	6,369.93
Advances	14,558.59	44,753.26	46,751.47	35,445.41	23,334.94
Net Block	293.17	457.27	526.56	190.68	226.16
Other Assets	614.45	1,239.99	1,506.57	1,026.48	1,339.35
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	19,883.96	57,541.21	60,610.36	47,447.73	30,867.98

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash From Operating Activities	652.33	1,843.20	-3,315.83	593.64	-1,960.29
Cash Flow from Investing Activities	-791.57	-2,480.67	-185.42	-4,132.66	-191.67
Cash from Financing Activities	412.13	911.35	3,641.25	1,640.54	1,347.37
Net Cash Inflow / Outflow	272.90	273.88	140.00	-1,898.47	-804.59

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Yield on Advances	16.77	17.43	15.89	15.82	16.38
Yield on Investments	6.16	7.23	8.45	5.60	7.71
Interest Spread	10.57	11.24	9.39	9.14	9.96
NIM (%)	0.00	8.40	0.00	7.50	0.00
ROE (%)	11.08	16.02	11.11	10.12	14.21
ROA (%)	1.25	2.05	1.14	1.03	0.91
Cost to Income Ratio	73.67	65.65	71.67	67.76	71.64

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Revenue Growth (%)	25.21	20.77	15.83	21.12	19.31
EBIT Growth (%)	-1.32	1.24	-5.19	-1.87	27.80
Net Profit Growth (%)	264.99	175.64	872.17	15.58	145.82
EPS Growth (%)	264.97	174.26	871.17	15.07	145.76
Book Value Growth (%)	7.99	18.40	0.82	10.98	-8.48

	Suryoday Small	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Price / Earnings	7.13	10.42	9.39	9.31	8.58
Price / Book Value	0.77	1.61	1.01	0.92	1.15
Dividend Yield (%)	0.94	0.00	0.00	0.00	0.00
EV/EBITDA	78.94	13.02	16.10	20.33	14.30
Market Cap (₹ Cr)	1,262.26	9,816.32	5,896.04	3,788.22	1,026.13

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.