Income Statement Suryoday Small Finance Bank Limited

Stocks

SURYODAY

INE428Q01011

Banks

End-of-day quote NSE India S.E. Other stock markets 10/07/2026			5-day change	1st Jan Change
184.31 ^INR	+4.05%		+1.19%	+30.86%

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

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Published financial data: SURYODAY SMALL FINANCE BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	776.15Cr	941.82Cr	1.18TCr	1.59TCr	1.95TCr
Interest Income, Total	776.15Cr	941.82Cr	1.18TCr	1.59TCr	1.95TCr
Interest On Deposits	365.65Cr	357.37Cr	437.11Cr	626.47Cr	847.61Cr
Total Interest On Borrowings	-	-	-	-	-
Interest Expense, Total	365.65Cr	357.37Cr	437.11Cr	626.47Cr	847.61Cr
Net Interest Income	410.5Cr	584.46Cr	746.57Cr	962.23Cr	1.11TCr
Gain (Loss) on Sale of Assets	2L	8L	1L	80T	5L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	25Cr	-6.02Cr	-35Cr	2.7Cr	8.12Cr
Total Other Non Interest Income	74Cr	100Cr	132.86Cr	216.68Cr	209.07Cr
Non Interest Income, Total	99Cr	94Cr	97Cr	219.38Cr	217.25Cr
Revenues Before Provison For Loan Losses	509.98Cr	678.01Cr	844Cr	1.18TCr	1.32TCr
Provision For Loan Losses	169.24Cr	391.98Cr	236.6Cr	166.34Cr	245.37Cr
Total Revenues	340.74Cr	286.03Cr	607.4Cr	1.02TCr	1.08TCr
Salaries And Other Employee Benefits	179.98Cr	227.23Cr	239.84Cr	357.06Cr	439.78Cr
Stock-Based Compensation (IS)	5.87Cr	93.02L	2.53Cr	3.76Cr	4.45Cr
Occupancy Expense	90Cr	101.17Cr	128.94Cr	159.98Cr	199.42Cr
Selling General & Admin Expenses, Total	9.36Cr	13Cr	19Cr	23Cr	28Cr
Total Other Non Interest Expense	43Cr	70Cr	116.4Cr	184.08Cr	262.06Cr
Non Interest Expense, Total	328.64Cr	413.1Cr	506.54Cr	727.7Cr	934.19Cr
EBT, Excl. Unusual Items	12Cr	-127.07Cr	100.86Cr	287.57Cr	143.83Cr
EBT, Incl. Unusual Items	12Cr	-127.07Cr	100.86Cr	287.57Cr	143.83Cr
Income Tax Expense	24L	-34Cr	23Cr	72Cr	29Cr
Earnings From Continuing Operations	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Net Income to Company	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Net Income - (IS)	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Net Income to Common Incl Extra Items	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Net Income to Common Excl. Extra Items	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Per Share Items
Net EPS - Basic	1.32	-8.76	7.32	20.34	10.82
Basic EPS - Continuing Operations	1.32	-8.76	7.32	20.34	10.82
Basic Weighted Average Shares Outstanding	8.97Cr	11Cr	11Cr	11Cr	11Cr
Net EPS - Diluted	1.31	-8.76	7.32	20.15	10.75
Diluted EPS - Continuing Operations	1.31	-8.76	7.32	20.15	10.75
Diluted Weighted Average Shares Outstanding	9.03Cr	11Cr	11Cr	11Cr	11Cr
Normalized Basic EPS	0.84	-7.48	5.94	16.93	8.46
Normalized Diluted EPS	0.84	-7.48	5.94	16.9	8.46
Supplemental Items
Effective Tax Rate - (Ratio)	1.98	26.79	22.97	24.9	20.07
Current Domestic Taxes	19Cr	11Cr	14Cr	25Cr	45Cr
Total Current Taxes	19Cr	11Cr	14Cr	25Cr	45Cr
Deferred Domestic Taxes	-19Cr	-45Cr	8.87Cr	47Cr	-16Cr
Total Deferred Taxes	-19Cr	-45Cr	8.87Cr	47Cr	-16Cr
Normalized Net Income	7.56Cr	-79Cr	63Cr	179.73Cr	90Cr
Non-Cash Pension Expense	35L	50L	-88L	2.04Cr	1.79Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	5.87Cr	93.02L	2.53Cr	3.76Cr	4.45Cr
Total Stock-Based Compensation	5.87Cr	93.02L	2.53Cr	3.76Cr	4.45Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	502.32Cr	822.99Cr	57Cr	380.4Cr	254.98Cr
Investment Securities, Total	1.87TCr	2.06TCr	2.57TCr	2.6TCr	3.14TCr
Total investments	1.87TCr	2.06TCr	2.57TCr	2.6TCr	3.14TCr
Gross Loans	4.19TCr	5.06TCr	6.27TCr	8.25TCr	10TCr
Allowance For Loan Losses	-202.82Cr	-312.33Cr	-254.51Cr	-172.5Cr	-276.82Cr
Net Loans	3.98TCr	4.75TCr	6.02TCr	8.08TCr	9.97TCr
Gross Property Plant And Equipment	82Cr	173.47Cr	260.56Cr	316.04Cr	489.3Cr
Accumulated Depreciation	-39Cr	-58Cr	-96Cr	-147.25Cr	-199.16Cr
Net Property Plant And Equipment	43Cr	115.25Cr	164.48Cr	168.79Cr	290.14Cr
Other Intangibles, Total	-	-	-	-	-
Accrued Interest Receivable	73Cr	79Cr	82Cr	122.41Cr	147.85Cr
Other Receivables	-	-	-	-	-
Restricted Cash	91Cr	151.12Cr	776.46Cr	799.67Cr	1.45TCr
Other Current Assets, Total	22Cr	26Cr	10Cr	-	14Cr
Deferred Tax Assets Long-Term (Collected)	61Cr	106.31Cr	97Cr	51Cr	67Cr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	63Cr	71Cr	89Cr	178.26Cr	273.55Cr
Total Assets	6.71TCr	8.18TCr	9.86TCr	12TCr	16TCr
Liabilities
Accrued Expenses, Total	-	-	-	-	-
Interest Bearing Deposits	3.15TCr	3.75TCr	4.98TCr	7.13TCr	9.75TCr
Non-Interest Bearing Deposits	107.44Cr	96Cr	191.62Cr	646.53Cr	832.1Cr
Total Deposits	3.26TCr	3.85TCr	5.17TCr	7.78TCr	11TCr
Short-Term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	561.19Cr	517.04Cr	835.21Cr	1.31TCr	1.22TCr
Long-Term Debt	1.11TCr	2.03TCr	1.93TCr	1.13TCr	1.49TCr
Accrued Interest Payable	18Cr	22Cr	49Cr	86Cr	19Cr
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	23Cr	36Cr	26Cr	33Cr	25Cr
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	-	-	-	-	-
Other Non Current Liabilities	150.84Cr	216.62Cr	269.02Cr	233.26Cr	353.36Cr
Total Liabilities	5.12TCr	6.68TCr	8.28TCr	11TCr	14TCr
Common Stock, Total	106.13Cr	106.16Cr	106.16Cr	106.2Cr	106.28Cr
Additional Paid In Capital	1.19TCr	1.19TCr	1.19TCr	1.19TCr	1.19TCr
Retained Earnings	292.74Cr	201.22Cr	281.87Cr	500.02Cr	614.65Cr
Comprehensive Income and Other	11Cr	11Cr	10Cr	11Cr	18Cr
Total Common Equity	1.6TCr	1.51TCr	1.58TCr	1.8TCr	1.93TCr
Total Equity	1.6TCr	1.51TCr	1.58TCr	1.8TCr	1.93TCr
Total Liabilities And Equity	6.71TCr	8.18TCr	9.86TCr	12TCr	16TCr
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	150.46	141.78	149.28	169.96	181.31
Tangible Book Value	1.6TCr	1.51TCr	1.58TCr	1.8TCr	1.93TCr
Tangible Book Value Per Share	150.46	141.78	149.28	169.96	181.31
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	1.67TCr	2.55TCr	2.77TCr	2.44TCr	2.71TCr
Deposits at Interest - Cash	327Cr	772.9Cr	523Cr	845.53Cr	1.31TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	7.54Cr	8.65Cr	9.2Cr	13Cr	17Cr
Net Debt	1.07TCr	1.68TCr	2.61TCr	1.99TCr	2.12TCr
Full Time Employees	5.13T	5.22T	6.02T	7.44T	8.65T
Number Of Offices	556	565	577	695	710

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	12Cr	-93Cr	78Cr	215.96Cr	114.96Cr
Depreciation, Depletion & Amortization	15Cr	19Cr	43Cr	51Cr	56Cr
Total Depreciation, Depletion & Amortization	15Cr	19Cr	43Cr	51Cr	56Cr
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-2L	-8L	-1L	-80T	-5L
(Gain) Loss on Sale of Investments - (CF)	21Cr	11Cr	-12Cr	-9.6Cr	-93Cr
Total Asset Writedown	-	-	6L	-	-
Provision for Credit Losses	169.33Cr	326.22Cr	284.87Cr	142.1Cr	267.33Cr
Stock-Based Compensation (CF)	5.87Cr	93.02L	2.53Cr	3.76Cr	4.45Cr
Change in Accounts Payable	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-1.46TCr	-1.22TCr	-1.81TCr	-2.17TCr	-1.82TCr
Other Operating Activities	-49Cr	16Cr	-1.23Cr	95Cr	-12Cr
Cash from Operations	-1.28TCr	-940.64Cr	-1.41TCr	-1.68TCr	-1.48TCr
Capital Expenditure	-20Cr	-91Cr	-93Cr	-56Cr	-176.93Cr
Sale of Property, Plant, and Equipment	2L	9L	1L	2L	5L
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-260.46Cr	-66Cr	-74Cr	-279.2Cr	-869.33Cr
Other Investing Activities, Total	-	-	-99Cr	71Cr	-13Cr
Cash from Investing	-279.97Cr	-157.6Cr	-265.7Cr	-263.36Cr	-1.06TCr
Long-Term Debt Issued, Total	995Cr	1.45TCr	750.22Cr	-	267.31Cr
Total Debt Issued	995Cr	1.45TCr	750.22Cr	-	267.31Cr
Long-Term Debt Repaid, Total	-593Cr	-565.28Cr	-536.14Cr	-322.43Cr	-
Total Debt Repaid	-593Cr	-565.28Cr	-536.14Cr	-322.43Cr	-
Issuance of Common Stock	512.95Cr	32.24L	-	51.33L	1.01Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	406.96Cr	594.13Cr	1.31TCr	2.61TCr	2.8TCr
Other Financing Activities, Total	-	-	-61.04L	-	-
Cash from Financing	1.32TCr	1.48TCr	1.53TCr	2.29TCr	3.07TCr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-241.36Cr	380.92Cr	-149.93Cr	349.45Cr	529.31Cr
Supplemental Items
Cash Income Tax Paid (Refund)	30Cr	15Cr	-1.34Cr	14Cr	59Cr
Net Debt Issued / Repaid	402Cr	884.72Cr	214.08Cr	-322.43Cr	267.31Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.2	-1.25	0.86	1.94	0.82
Return On Equity %	0.89	-6	5.03	12.74	6.16
Return on Common Equity	0.89	-6	5.03	12.74	6.16
Shareholders Value Added	-147.93Cr	-279.15Cr	-107.7Cr	13Cr	-108.96Cr
Margin Analysis
SG&A Margin	83.98	122.61	65.72	54.52	63.61
Net Interest Income / Total Revenues %	120.47	204.33	122.91	94.78	102.61
EBT Excl. Non-Recurring Items Margin %	3.55	-44.43	16.61	28.32	13.34
Income From Continuing Operations Margin %	3.48	-32.52	12.79	21.27	10.66
Net Income Margin %	3.48	-32.52	12.79	21.27	10.66
Net Avail. For Common Margin %	3.48	-32.52	12.79	21.27	10.66
Normalized Net Income Margin	2.22	-27.77	10.38	17.7	8.34
Asset quality
Nonperforming Loans / Total Loans %	9.41	11.8	3.05	2.94	7.16
Nonperforming Loans / Total Assets %	5.87	7.3	1.94	1.96	4.7
Nonperforming Assets / Total Assets %	5.87	7.3	1.94	1.96	4.7
NPAs / Loans and OREO	9.41	11.8	3.05	2.94	7.16
NPAs / Equity	24.65	39.69	12.08	13.43	38.08
Allowance for Credit Losses / Net Charge-offs %	211.78	144.02	106.35	225.84	218.3
Allowance for Credit Losses / Nonperforming Loans %	51.52	52.28	132.97	71.17	37.72
Allowance for Credit Losses / Total Loans %	4.85	6.17	4.06	2.09	2.7
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	176.72	180.75	98.86	217.78	193.49
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 %	22.05	20.83	17.13	15.24	13.33
Total Average Equity / Total Average Assets %	22.05	20.83	17.13	15.24	13.33
Total Equity + Allowance for Loan Losses / Total Loans %	43	35.9	29.34	23.97	21.5
Gross Loans / Total Deposits %	128.56	131.52	121.34	106.08	96.9
Net Loans / Total Deposits %	122.33	123.41	116.42	103.87	94.28
Tier 1 Capital Ratio %	47.23	34.44	30.84	26.54	24.45
Total Capital Ratio %	51.47	37.86	33.72	28.41	25.83
Core Tier 1 Capital Ratio	47.23	34.44	30.84	26.54	24.45
Tier 2 Capital Ratio	4.24	3.42	2.88	1.87	1.38
Interbank Ratio	41.19	38.98	4.16	9.23	5.24
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	-	-	-
EBT + Interest Expense / Interest Expense	1.03	0.64	1.23	1.46	1.17
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-16.31	42.38	27.74	28.89	14.96
Non Interest Income, 1 Yr. Growth %	13.75	22.46	4.13	125.19	-0.97
Provision For Loan Losses, 1 Yr. Growth %	11.45	168.19	-39.64	-29.69	47.73
Total Revenues, 1 Yr. Growth %	-20.03	-16.05	112.35	67.15	6.15
Earnings From Cont. Operations, 1 Yr. Growth %	-89.31	-884.72	-183.51	177.97	-46.77
Net Income, 1 Yr. Growth %	-89.31	-884.72	-183.51	177.97	-46.77
Normalized Net Income, 1 Yr. Growth %	-92.14	-1.15T	-179.37	185.11	-49.98
Diluted EPS Before Extra, 1 Yr. Growth %	-90.13	-769.08	-183.5	175.33	-46.65
Gross Loans, 1 Yr. Growth %	15.42	20.97	23.83	34.96	24.25
Allowance For Loan Losses, 1 Yr. Growth %	114.75	53.99	-18.51	75.25	60.48
Net Loans, 1 Yr. Growth %	12.76	19.29	26.61	34.3	23.48
Non Performing Loans, 1 Yr. Growth %	288.82	51.75	-67.96	26.63	202.78
Non Performing Assets, 1 Yr. Growth %	288.82	51.75	-67.96	26.63	202.78
Total Assets, 1 Yr. Growth %	25.12	21.87	20.55	25.52	26.15
Total Deposits, 1 Yr Growth %	14.29	18.25	34.07	50.53	36.03
Tangible Book Value, 1 Yr. Growth %	49.77	-5.75	5.29	13.9	6.77
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	49.77	-5.75	5.29	13.9	6.77
Total Equity, 1 Yr. Growth %	49.77	-5.75	5.29	13.9	6.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.82	9.16	34.86	28.31	21.72
Non Interest Income, 2 Yr. CAGR %	21.92	3.43	12.92	53.13	49.33
Provision For Loan Losses, 2 Yr. CAGR %	51.41	60.66	27.23	-34.86	1.84
Total Revenues, 2 Yr. CAGR %	1.08	-18.07	33.51	88.4	33.22
Earnings From Cont. Operations, 2 Yr. CAGR %	-63.79	-8.42	155.99	52.36	21.65
Net Income, 2 Yr. CAGR %	-63.79	-8.42	155.99	52.36	21.65
Normalized Net Income, 2 Yr. CAGR %	-70.89	-9.16	188.77	50.43	19.42
Diluted EPS Before Extra, 2 Yr. CAGR %	-68.45	-18.73	136.36	51.62	21.2
Gross Loans, 2 Yr. CAGR %	23.58	18.16	22.39	27.65	29.49
Allowance For Loan Losses, 2 Yr. CAGR %	82.28	81.85	12.02	-25.68	67.7
Net Loans, 2 Yr. CAGR %	21.92	15.98	22.89	30.4	28.77
Non Performing Loans, 2 Yr. CAGR %	181.67	142.91	-30.27	-36.31	95.81
Non Performing Assets, 2 Yr. CAGR %	181.67	142.91	-30.27	-36.31	95.81
Total Assets, 2 Yr. CAGR %	33.59	23.49	21.21	23.01	25.83
Total Deposits, 2 Yr CAGR %	42.94	16.25	25.98	42.06	43.1
Tangible Book Value, 2 Yr. CAGR %	34.68	18.81	-0.38	9.51	10.27
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	34.68	18.81	-0.38	9.51	10.27
Total Equity, 2 Yr. CAGR %	34.68	18.81	-0.38	9.51	10.27
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	35.27	19.75	15.03	32.84	23.7
Non Interest Income, 3 Yr. CAGR %	37.77	11.82	3.66	42.14	32.42
Provision For Loan Losses, 3 Yr. CAGR %	45.75	74.45	15.93	4.41	-14.46
Total Revenues, 3 Yr. CAGR %	31.69	-4.99	12.54	43.9	55.62
Earnings From Cont. Operations, 3 Yr. CAGR %	1.04	0.96	-11.2	163.12	7.31
Net Income, 3 Yr. CAGR %	1.04	0.96	-11.2	163.12	7.31
Normalized Net Income, 3 Yr. CAGR %	-12.14	-3.8	-13.15	187.55	4.22
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.37	-12.67	-17.99	148.7	7.04
Gross Loans, 3 Yr. CAGR %	37.9	22.7	20.02	25.38	26.51
Allowance For Loan Losses, 3 Yr. CAGR %	95.03	72.31	39.16	-5.25	-3.94
Net Loans, 3 Yr. CAGR %	36.42	21.03	19.42	26.58	28.05
Non Performing Loans, 3 Yr. CAGR %	90.92	129.19	23.65	-14.93	7.1
Non Performing Assets, 3 Yr. CAGR %	90.92	129.19	23.65	-14.93	7.1
Total Assets, 3 Yr. CAGR %	46.02	29.56	22.5	22.63	24.05
Total Deposits, 3 Yr CAGR %	63.16	34.18	21.95	33.68	40.02
Tangible Book Value, 3 Yr. CAGR %	43.67	19.57	14.12	4.17	8.59
Common Equity, 3 Yr. CAGR %	43.67	19.57	14.12	4.17	8.59
Total Equity, 3 Yr. CAGR %	43.67	19.57	14.12	4.17	8.59
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	31.6	35.39	35.11	23.1	17.66
Non Interest Income, 5 Yr. CAGR %	141.23	53.19	20.69	26.8	19.96
Provision For Loan Losses, 5 Yr. CAGR %	106.33	94.87	34.05	17.64	10.07
Total Revenues, 5 Yr. CAGR %	27.61	17.89	32.41	24.94	20.4
Earnings From Cont. Operations, 5 Yr. CAGR %	-15.45	43.86	46.55	19.03	0.72
Net Income, 5 Yr. CAGR %	-15.45	43.86	46.55	19.03	0.72
Normalized Net Income, 5 Yr. CAGR %	-21.97	39.74	41.41	15.04	-1.35
Diluted EPS Before Extra, 5 Yr. CAGR %	-29.5	24.76	32.98	8.89	-4.12
Gross Loans, 5 Yr. CAGR %	33.62	43.93	31.47	24.66	23.1
Allowance For Loan Losses, 5 Yr. CAGR %	-	-	56.23	23.09	23.99
Net Loans, 5 Yr. CAGR %	32.3	42.11	30.84	24.69	23.08
Non Performing Loans, 5 Yr. CAGR %	200.37	63.42	27.61	37.33	48.61
Non Performing Assets, 5 Yr. CAGR %	200.37	63.42	27.61	37.33	48.61
Total Assets, 5 Yr. CAGR %	41.28	38.52	35.54	26.9	23.82
Total Deposits, 5 Yr CAGR %	-	180.77	47.12	37.31	30.01
Tangible Book Value, 5 Yr. CAGR %	51.89	24.63	24.1	15.44	12.57
Common Equity, 5 Yr. CAGR %	51.89	24.63	24.1	15.44	12.57
Total Equity, 5 Yr. CAGR %	51.89	24.63	24.1	15.44	12.57