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Suryoday Small Finance Bank Ltd

Q3 FY26Banks

Suryoday Small Finance Bank Q3 FY26 earnings call: Revenue & Margins

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹159
Market cap₹1.6K Cr
P/E8.4
Updated23 Aug 2026
Read4 min read

The short version

Paying book in the Microfinance Institution (MFI) segment increased by around Rs. Q3 portfolio grew ~7%, translating to ~20% Q-o-Q earnings growth.

From Suryoday Small Finance Bank Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Paying book in the Microfinance Institution (MFI) segment increased by around Rs. 180 crores quarter-on-quarter, with this growth trend expected to continue into Q4.
  • Collection efficiency in the MFI business has reached around 99.4% and is projected to improve to 99.5% by January-February.
  • Slippages in Q4 are expected to be about Rs. 100 crores at the bank level.
  • Disbursements show a shift towards individual loans, with 80% of MFI disbursements being Vikas loans currently.
  • Portfolio grew about 7% this quarter, translating into a 20% Q-o-Q earnings growth; a more substantial earnings uptick is expected starting Q1 FY27.

2 more points management made on revenue & sales performance

Profitability & Margins

See what Suryoday Small Finance Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • No specific details regarding current or future capex or strategic investments are explicitly mentioned in the provided excerpts.
  • The management emphasizes a focus on strengthening the foundation, improving portfolio quality, and scaling key businesses like individual lending and digital initiatives.
  • There is mention of new products and growth in retail asset segments expected to improve the portfolio mix.
  • Capital raise plans are described purely as "enabling" resolutions without immediate intent to raise funds at current prices; aimed at maintaining capital adequacy above 21-22%.
  • The bank prioritizes capital adequacy and liquidity over immediate large-scale investments.

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1AU Small Finance
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Suryoday Small Finance Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The document does not explicitly mention details on the current or expected order book or pending orders for Suryoday Small Finance Bank Limited. The discussion primarily focuses on: - Portfolio quality and growth, especially in the Microfinance Institution (MFI) paying book. - Increase in paying book by around Rs. 180 crores quarter-on-quarter in Q3. - Focus on asset quality stabilization and credit costs.

2 more points management made on order book & pipeline

Continue your research

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Frequently Asked Questions

What were Suryoday Small Finance Bank Ltd Q3 FY26 results?

Paying book in the Microfinance Institution (MFI) segment increased by around Rs. Q3 portfolio grew ~7%, translating to ~20% Q-o-Q earnings growth.

What is Suryoday Small Finance Bank Ltd share price analysis?

Suryoday Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 8.4 with a market cap of ₹1,616 Cr. Investors should review the full earnings analysis for detailed insights.

Is Suryoday Small Finance Bank Ltd planning capital expenditure?

No specific details regarding current or future capex or strategic investments are explicitly mentioned in the provided excerpts.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.