Balance Sheet Suryoday Small Finance Bank Limited

Stocks

SURYODAY

INE428Q01011

Banks

End-of-day quote NSE India S.E. Other stock markets 21/07/2026			5-day change	1st Jan Change
190.41 ^INR	+4.02%		-0.61%	+35.19%

08/05	Suryoday Small Finance Bank Limited, Q4 2026 Earnings Call, May 08, 2026
08/05	Suryoday Small Finance Bank Turns to Profit in Fiscal Q4; Shares Up 7%	MT

098c11418b6b8c4ab6d1a65cdbb374d.PoSK98xVNOnI0KbTd-hKFEIr9MQ-2tFeMxGMRr1ATtQ.Ru_NgqA8VoiftMe-I40sYxsSwvF_ibImSl7PJdY2OqFuxsTPniFHsKen0Q

Published financial data: SURYODAY SMALL FINANCE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	941.82Cr	1.18TCr	1.59TCr	1.95TCr	2.16TCr
Interest Income, Total	941.82Cr	1.18TCr	1.59TCr	1.95TCr	2.16TCr
Interest On Deposits	357.37Cr	437.11Cr	626.47Cr	847.61Cr	1.06TCr
Interest Expense, Total	357.37Cr	437.11Cr	626.47Cr	847.61Cr	1.06TCr
Net Interest Income	584.46Cr	746.57Cr	962.23Cr	1.11TCr	1.1TCr
Gain (Loss) on Sale of Assets	8L	1L	80T	5L	9L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-6.02Cr	-35Cr	2.7Cr	8.12Cr	13Cr
Total Other Non Interest Income	100Cr	132.86Cr	216.68Cr	209.07Cr	346.47Cr
Non Interest Income, Total	94Cr	97Cr	219.38Cr	217.25Cr	359.67Cr
Revenues Before Provison For Loan Losses	678.01Cr	844Cr	1.18TCr	1.32TCr	1.46TCr
Provision For Loan Losses	391.98Cr	236.6Cr	166.34Cr	245.37Cr	184.48Cr
Total Revenues	286.03Cr	607.4Cr	1.02TCr	1.08TCr	1.27TCr
Salaries And Other Employee Benefits	227.23Cr	239.84Cr	357.06Cr	439.78Cr	510.7Cr
Stock-Based Compensation (IS)	93.02L	2.53Cr	3.76Cr	4.45Cr	1.79Cr
Occupancy Expense	101.17Cr	128.94Cr	159.98Cr	199.42Cr	250.88Cr
Selling General & Admin Expenses, Total	13Cr	19Cr	23Cr	28Cr	29Cr
Total Other Non Interest Expense	70Cr	116.4Cr	184.08Cr	262.06Cr	281.71Cr
Non Interest Expense, Total	413.1Cr	506.54Cr	727.7Cr	934.19Cr	1.07TCr
EBT, Excl. Unusual Items	-127.07Cr	100.86Cr	287.57Cr	143.83Cr	199.57Cr
EBT, Incl. Unusual Items	-127.07Cr	100.86Cr	287.57Cr	143.83Cr	199.57Cr
Income Tax Expense	-34Cr	23Cr	72Cr	29Cr	48Cr
Earnings From Continuing Operations	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Net Income to Company	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Net Income - (IS)	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Net Income to Common Incl Extra Items	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Net Income to Common Excl. Extra Items	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Per Share Items
Net EPS - Basic	-8.76	7.32	20.34	10.82	14.3
Basic EPS - Continuing Operations	-8.76	7.32	20.34	10.82	14.3
Basic Weighted Average Shares Outstanding	11Cr	11Cr	11Cr	11Cr	11Cr
Net EPS - Diluted	-8.76	7.32	20.15	10.75	14.29
Diluted EPS - Continuing Operations	-8.76	7.32	20.15	10.75	14.29
Diluted Weighted Average Shares Outstanding	11Cr	11Cr	11Cr	11Cr	11Cr
Normalized Basic EPS	-7.48	5.94	16.93	8.46	11.74
Normalized Diluted EPS	-7.48	5.94	16.9	8.46	11.73
Dividend Per Share	-	-	-	-	1.5
Supplemental Items
Effective Tax Rate - (Ratio)	26.79	22.97	24.9	20.07	23.85
Current Domestic Taxes	11Cr	14Cr	25Cr	45Cr	64Cr
Total Current Taxes	11Cr	14Cr	25Cr	45Cr	64Cr
Deferred Domestic Taxes	-45Cr	8.87Cr	47Cr	-16Cr	-16Cr
Total Deferred Taxes	-45Cr	8.87Cr	47Cr	-16Cr	-16Cr
Normalized Net Income	-79Cr	63Cr	179.73Cr	90Cr	124.73Cr
Non-Cash Pension Expense	50L	-88L	2.04Cr	1.79Cr	2.34Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	93.02L	2.53Cr	3.76Cr	4.45Cr	1.79Cr
Total Stock-Based Compensation	93.02L	2.53Cr	3.76Cr	4.45Cr	1.79Cr

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	822.99Cr	57Cr	380.4Cr	254.98Cr	275.52Cr
Investment Securities, Total	2.06TCr	2.57TCr	2.6TCr	3.14TCr	3.69TCr
Total investments	2.06TCr	2.57TCr	2.6TCr	3.14TCr	3.69TCr
Gross Loans	5.06TCr	6.27TCr	8.25TCr	10TCr	13TCr
Allowance For Loan Losses	-312.33Cr	-254.51Cr	-172.5Cr	-276.82Cr	-322.3Cr
Net Loans	4.75TCr	6.02TCr	8.08TCr	9.97TCr	13TCr
Gross Property Plant And Equipment	173.47Cr	260.56Cr	316.04Cr	489.3Cr	560.49Cr
Accumulated Depreciation	-58Cr	-96Cr	-147.25Cr	-199.16Cr	-262.45Cr
Net Property Plant And Equipment	115.25Cr	164.48Cr	168.79Cr	290.14Cr	298.04Cr
Accrued Interest Receivable	79Cr	82Cr	122.41Cr	147.85Cr	219.56Cr
Restricted Cash	151.12Cr	776.46Cr	799.67Cr	1.45TCr	1.7TCr
Other Current Assets, Total	26Cr	10Cr	-	14Cr	7.99Cr
Deferred Tax Assets Long-Term (Collected)	106.31Cr	97Cr	51Cr	67Cr	85Cr
Other Long-Term Assets, Total	71Cr	89Cr	178.26Cr	273.55Cr	726.64Cr
Total Assets	8.18TCr	9.86TCr	12TCr	16TCr	20TCr
Liabilities
Interest Bearing Deposits	3.75TCr	4.98TCr	7.13TCr	9.75TCr	13TCr
Non-Interest Bearing Deposits	96Cr	191.62Cr	646.53Cr	832.1Cr	997.42Cr
Total Deposits	3.85TCr	5.17TCr	7.78TCr	11TCr	14TCr
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	517.04Cr	835.21Cr	1.31TCr	1.22TCr	1.32TCr
Long-Term Debt	2.03TCr	1.93TCr	1.13TCr	1.49TCr	1.81TCr
Accrued Interest Payable	22Cr	49Cr	86Cr	19Cr	32Cr
Other Current Liabilities - (Bank / Utility Template)	36Cr	26Cr	33Cr	25Cr	32Cr
Other Non Current Liabilities	216.62Cr	269.02Cr	233.26Cr	353.36Cr	625.21Cr
Total Liabilities	6.68TCr	8.28TCr	11TCr	14TCr	18TCr
Common Stock, Total	106.16Cr	106.16Cr	106.2Cr	106.28Cr	106.29Cr
Additional Paid In Capital	1.19TCr	1.19TCr	1.19TCr	1.19TCr	1.19TCr
Retained Earnings	201.22Cr	281.87Cr	500.02Cr	614.65Cr	757.19Cr
Comprehensive Income and Other	11Cr	10Cr	11Cr	18Cr	26Cr
Total Common Equity	1.51TCr	1.58TCr	1.8TCr	1.93TCr	2.08TCr
Total Equity	1.51TCr	1.58TCr	1.8TCr	1.93TCr	2.08TCr
Total Liabilities And Equity	8.18TCr	9.86TCr	12TCr	16TCr	20TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11Cr	11Cr	11Cr	11Cr	11Cr
ECS Total Common Shares Outstanding	11Cr	11Cr	11Cr	11Cr	11Cr
Book Value / Share	141.78	149.28	169.96	181.31	195.53
Tangible Book Value	1.51TCr	1.58TCr	1.8TCr	1.93TCr	2.08TCr
Tangible Book Value Per Share	141.78	149.28	169.96	181.31	195.53
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	2.55TCr	2.77TCr	2.44TCr	2.71TCr	3.12TCr
Deposits at Interest - Cash	772.9Cr	523Cr	845.53Cr	1.31TCr	1.58TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	8.65Cr	9.2Cr	13Cr	17Cr	22Cr
Net Debt	1.68TCr	2.61TCr	1.99TCr	2.12TCr	2.18TCr
Full Time Employees	5.22T	6.02T	7.44T	8.65T	8.57T
Number Of Offices	565	577	695	710	717

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	-93Cr	78Cr	215.96Cr	114.96Cr	151.97Cr
Depreciation, Depletion & Amortization	19Cr	43Cr	51Cr	56Cr	67Cr
Total Depreciation, Depletion & Amortization	19Cr	43Cr	51Cr	56Cr	67Cr
(Gain) Loss On Sale of Asset - (CF)	-8L	-1L	-80T	-5L	-4L
(Gain) Loss on Sale of Investments - (CF)	11Cr	-12Cr	-9.6Cr	-93Cr	-6.85Cr
Total Asset Writedown	-	6L	-	-	-
Provision for Credit Losses	326.22Cr	284.87Cr	142.1Cr	267.33Cr	188.97Cr
Stock-Based Compensation (CF)	93.02L	2.53Cr	3.76Cr	4.45Cr	1.79Cr
Change in Other Net Operating Assets (Collected)	-1.22TCr	-1.81TCr	-2.17TCr	-1.82TCr	-3.17TCr
Other Operating Activities	16Cr	-1.23Cr	95Cr	-12Cr	1.38Cr
Cash from Operations	-940.64Cr	-1.41TCr	-1.68TCr	-1.48TCr	-2.76TCr
Capital Expenditure	-91Cr	-93Cr	-56Cr	-176.93Cr	-76Cr
Sale of Property, Plant, and Equipment	9L	1L	2L	5L	22.39L
Investment in Marketable and Equity Securities, Total	-66Cr	-74Cr	-279.2Cr	-869.33Cr	-618.19Cr
Other Investing Activities, Total	-	-99Cr	71Cr	-13Cr	-98Cr
Cash from Investing	-157.6Cr	-265.7Cr	-263.36Cr	-1.06TCr	-791.57Cr
Long-Term Debt Issued, Total	1.45TCr	750.22Cr	-	267.31Cr	412.08Cr
Total Debt Issued	1.45TCr	750.22Cr	-	267.31Cr	412.08Cr
Long-Term Debt Repaid, Total	-565.28Cr	-536.14Cr	-322.43Cr	-	-
Total Debt Repaid	-565.28Cr	-536.14Cr	-322.43Cr	-	-
Issuance of Common Stock	32.24L	-	51.33L	1.01Cr	6L
Net Increase (Decrease) in Deposit Accounts - (CF)	594.13Cr	1.31TCr	2.61TCr	2.8TCr	3.41TCr
Other Financing Activities, Total	-	-61.04L	-	-	-
Cash from Financing	1.48TCr	1.53TCr	2.29TCr	3.07TCr	3.83TCr
Net Change in Cash	380.92Cr	-149.93Cr	349.45Cr	529.31Cr	272.9Cr
Supplemental Items
Cash Income Tax Paid (Refund)	15Cr	-1.34Cr	14Cr	59Cr	58Cr
Net Debt Issued / Repaid	884.72Cr	214.08Cr	-322.43Cr	267.31Cr	412.08Cr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	-1.25	0.86	1.94	0.82	0.86
Return On Equity %	-6	5.03	12.74	6.16	7.59
Return on Common Equity	-6	5.03	12.74	6.16	7.59
Shareholders Value Added	-279.15Cr	-107.7Cr	13Cr	-108.96Cr	-88Cr
Margin Analysis
SG&A Margin	122.61	65.72	54.52	63.61	70.14
Net Interest Income / Total Revenues %	204.33	122.91	94.78	102.61	86.25
EBT Excl. Non-Recurring Items Margin %	-44.43	16.61	28.32	13.34	15.67
Income From Continuing Operations Margin %	-32.52	12.79	21.27	10.66	11.93
Net Income Margin %	-32.52	12.79	21.27	10.66	11.93
Net Avail. For Common Margin %	-32.52	12.79	21.27	10.66	11.93
Normalized Net Income Margin	-27.77	10.38	17.7	8.34	9.79
Asset quality
Nonperforming Loans / Total Loans %	11.8	3.05	2.94	7.16	6.55
Nonperforming Loans / Total Assets %	7.3	1.94	1.96	4.7	4.35
Nonperforming Assets / Total Assets %	7.3	1.94	1.96	4.7	4.35
NPAs / Loans and OREO	11.8	3.05	2.94	7.16	6.55
NPAs / Equity	39.69	12.08	13.43	38.08	41.58
Allowance for Credit Losses / Net Charge-offs %	144.02	106.35	225.84	218.3	65.2
Allowance for Credit Losses / Nonperforming Loans %	52.28	132.97	71.17	37.72	37.29
Allowance for Credit Losses / Total Loans %	6.17	4.06	2.09	2.7	2.44
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	180.75	98.86	217.78	193.49	37.32
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	20.83	17.13	15.24	13.33	11.28
Total Average Equity / Total Average Assets %	20.83	17.13	15.24	13.33	11.28
Total Equity + Allowance for Loan Losses / Total Loans %	35.9	29.34	23.97	21.5	18.18
Gross Loans / Total Deposits %	131.52	121.34	106.08	96.9	94.33
Net Loans / Total Deposits %	123.41	116.42	103.87	94.28	92.03
Tier 1 Capital Ratio %	34.44	30.84	26.54	24.45	19.59
Total Capital Ratio %	37.86	33.72	28.41	25.83	20.45
Core Tier 1 Capital Ratio	34.44	30.84	26.54	24.45	19.59
Tier 2 Capital Ratio	3.42	2.88	1.87	1.38	0.86
Interbank Ratio	38.98	4.16	9.23	5.24	10.84
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.64	1.23	1.46	1.17	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	42.38	27.74	28.89	14.96	-0.67
Non Interest Income, 1 Yr. Growth %	22.46	4.13	125.19	-0.97	65.55
Provision For Loan Losses, 1 Yr. Growth %	168.19	-39.64	-29.69	47.73	-24.81
Total Revenues, 1 Yr. Growth %	-16.05	112.35	67.15	6.15	18.17
Earnings From Cont. Operations, 1 Yr. Growth %	-884.72	-183.51	177.97	-46.77	32.19
Net Income, 1 Yr. Growth %	-884.72	-183.51	177.97	-46.77	32.19
Normalized Net Income, 1 Yr. Growth %	-1.15T	-179.37	185.11	-49.98	38.75
Diluted EPS Before Extra, 1 Yr. Growth %	-769.08	-183.5	175.33	-46.65	32.93
Gross Loans, 1 Yr. Growth %	20.97	23.83	34.96	24.25	28.78
Allowance For Loan Losses, 1 Yr. Growth %	53.99	-18.51	75.25	60.48	16.43
Net Loans, 1 Yr. Growth %	19.29	26.61	34.3	23.48	29.12
Non Performing Loans, 1 Yr. Growth %	51.75	-67.96	26.63	202.78	17.76
Non Performing Assets, 1 Yr. Growth %	51.75	-67.96	26.63	202.78	17.76
Total Assets, 1 Yr. Growth %	21.87	20.55	25.52	26.15	27.34
Total Deposits, 1 Yr Growth %	18.25	34.07	50.53	36.03	32.27
Tangible Book Value, 1 Yr. Growth %	-5.75	5.29	13.9	6.77	7.85
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	-5.75	5.29	13.9	6.77	7.85
Total Equity, 1 Yr. Growth %	-5.75	5.29	13.9	6.77	7.85
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.16	34.86	28.31	21.72	6.86
Non Interest Income, 2 Yr. CAGR %	3.43	12.92	53.13	49.33	28.04
Provision For Loan Losses, 2 Yr. CAGR %	60.66	27.23	-34.86	1.84	5.39
Total Revenues, 2 Yr. CAGR %	-18.07	33.51	88.4	33.22	12
Earnings From Cont. Operations, 2 Yr. CAGR %	-8.42	155.99	52.36	21.65	-16.11
Net Income, 2 Yr. CAGR %	-8.42	155.99	52.36	21.65	-16.11
Normalized Net Income, 2 Yr. CAGR %	-9.16	188.77	50.43	19.42	-16.69
Diluted EPS Before Extra, 2 Yr. CAGR %	-18.73	136.36	51.62	21.2	-15.79
Gross Loans, 2 Yr. CAGR %	18.16	22.39	27.65	29.49	26.49
Allowance For Loan Losses, 2 Yr. CAGR %	81.85	12.02	-25.68	67.7	36.69
Net Loans, 2 Yr. CAGR %	15.98	22.89	30.4	28.77	26.27
Non Performing Loans, 2 Yr. CAGR %	142.91	-30.27	-36.31	95.81	88.83
Non Performing Assets, 2 Yr. CAGR %	142.91	-30.27	-36.31	95.81	88.83
Total Assets, 2 Yr. CAGR %	23.49	21.21	23.01	25.83	26.75
Total Deposits, 2 Yr CAGR %	16.25	25.98	42.06	43.1	34.14
Tangible Book Value, 2 Yr. CAGR %	18.81	-0.38	9.51	10.27	7.31
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	18.81	-0.38	9.51	10.27	7.31
Total Equity, 2 Yr. CAGR %	18.81	-0.38	9.51	10.27	7.31
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	19.75	15.03	32.84	23.7	13.75
Non Interest Income, 3 Yr. CAGR %	11.82	3.66	42.14	32.42	54.55
Provision For Loan Losses, 3 Yr. CAGR %	74.45	15.93	4.41	-14.46	-7.96
Total Revenues, 3 Yr. CAGR %	-4.99	12.54	43.9	55.62	28
Earnings From Cont. Operations, 3 Yr. CAGR %	0.96	-11.2	163.12	7.31	25.06
Net Income, 3 Yr. CAGR %	0.96	-11.2	163.12	7.31	25.06
Normalized Net Income, 3 Yr. CAGR %	-3.8	-13.15	187.55	4.22	25.54
Diluted EPS Before Extra, 3 Yr. CAGR %	-12.67	-17.99	148.7	7.04	24.99
Gross Loans, 3 Yr. CAGR %	22.7	20.02	25.38	26.51	29.25
Allowance For Loan Losses, 3 Yr. CAGR %	72.31	39.16	-5.25	-3.94	48.49
Net Loans, 3 Yr. CAGR %	21.03	19.42	26.58	28.05	28.89
Non Performing Loans, 3 Yr. CAGR %	129.19	23.65	-14.93	7.1	65.28
Non Performing Assets, 3 Yr. CAGR %	129.19	23.65	-14.93	7.1	65.28
Total Assets, 3 Yr. CAGR %	29.56	22.5	22.63	24.05	26.34
Total Deposits, 3 Yr CAGR %	34.18	21.95	33.68	40.02	39.39
Tangible Book Value, 3 Yr. CAGR %	19.57	14.12	4.17	8.59	9.46
Common Equity, 3 Yr. CAGR %	19.57	14.12	4.17	8.59	9.46
Total Equity, 3 Yr. CAGR %	19.57	14.12	4.17	8.59	9.46
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	35.39	35.11	23.1	17.66	21.76
Non Interest Income, 5 Yr. CAGR %	53.19	20.69	26.8	19.96	36.32
Provision For Loan Losses, 5 Yr. CAGR %	94.87	34.05	17.64	10.07	4.77
Total Revenues, 5 Yr. CAGR %	17.89	32.41	24.94	20.4	30.18
Earnings From Cont. Operations, 5 Yr. CAGR %	43.86	46.55	19.03	0.72	66.56
Net Income, 5 Yr. CAGR %	43.86	46.55	19.03	0.72	66.56
Normalized Net Income, 5 Yr. CAGR %	39.74	41.41	15.04	-1.35	75.18
Diluted EPS Before Extra, 5 Yr. CAGR %	24.76	32.98	8.89	-4.12	61.27
Gross Loans, 5 Yr. CAGR %	43.93	31.47	24.66	23.1	25.83
Allowance For Loan Losses, 5 Yr. CAGR %	-	56.23	23.09	23.99	9.71
Net Loans, 5 Yr. CAGR %	42.11	30.84	24.69	23.08	26.46
Non Performing Loans, 5 Yr. CAGR %	63.42	27.61	37.33	48.61	17.03
Non Performing Assets, 5 Yr. CAGR %	63.42	27.61	37.33	48.61	17.03
Total Assets, 5 Yr. CAGR %	38.52	35.54	26.9	23.82	24.26
Total Deposits, 5 Yr CAGR %	180.77	47.12	37.31	30.01	33.86
Tangible Book Value, 5 Yr. CAGR %	24.63	24.1	15.44	12.57	5.41
Common Equity, 5 Yr. CAGR %	24.63	24.1	15.44	12.57	5.41
Total Equity, 5 Yr. CAGR %	24.63	24.1	15.44	12.57	5.41