Suryoday Small Finance Bank Ltd Share Price ₹170

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Suryoday Small Finance Bank Ltd

Quarter-by-quarter operating performance

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue +	329	358	375	411	445	488	507	488	471	495	520	544	602
Interest	119	133	154	165	174	195	207	220	226	248	261	267	285
Expenses +	194	212	205	221	255	271	287	270	352	309	299	310	341
Financing Profit	16	12	16	24	15	23	13	-2	-107	-62	-41	-33	-25
Financing Margin %	5%	3%	4%	6%	3%	5%	2%	-0%	-23%	-12%	-8%	-6%	-4%
Other Income +	34	51	52	52	65	70	47	40	60	109	80	81	90
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	50	63	68	76	80	93	60	38	-47	47	39	48	66
Tax %	23%	25%	26%	25%	24%	24%	25%	12%	-28%	25%	23%	24%	24%
Net Profit +	39	48	50	57	61	70	45	33	-34	35	30	37	50
EPS in Rs	3.67	4.48	4.74	5.39	5.73	6.59	4.27	3.13	-3.18	3.32	2.86	3.44	4.68
Gross NPA %	3.13%	3.04%	2.90%	3.06%	2.94%	2.84%	3.03%	5.53%	7.16%	8.46%	5.93%	6.69%	6.55%
Net NPA %	1.55%	1.63%	1.46%	1.42%	0.86%	0.47%	0.80%	3.13%	4.58%	5.64%	3.80%	4.35%	4.21%

Financials of Suryoday Small Finance Bank Ltd

Annual income statement trend

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue +	118	199	244	287	530	767	776	942	1,184	1,589	1,954	2,160
Interest	55	95	115	123	190	276	366	357	437	626	848	1,062
Expenses +	37	76	114	181	259	414	460	786	700	843	1,124	1,259
Financing Profit	26	28	15	-18	81	77	-49	-201	47	120	-18	-160
Financing Margin %	22%	14%	6%	-6%	15%	10%	-6%	-21%	4%	8%	-1%	-7%
Other Income +	0	1	11	38	67	87	76	94	97	219	217	360
Depreciation	1	1	2	5	6	10	15	19	43	51	56	0
Profit before tax	25	27	24	16	143	154	12	-127	101	288	144	200
Tax %	34%	0%	37%	36%	37%	28%	2%	-27%	23%	25%	20%	24%
Net Profit +	17	27	15	10	90	111	12	-93	78	216	115	152
EPS in Rs	5.11	7.16	2.36	1.50	11.08	12.84	1.12	-8.76	7.32	20.34	10.82	14.30
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	10%

Financials of Suryoday Small Finance Bank Ltd

Capital structure and asset base

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	33	38	64	68	82	87	106	106	106	106	106	106
Reserves	99	159	437	472	799	980	1,491	1,399	1,479	1,699	1,821	1,972
Deposits			22	945	1,593	2,849	3,256	3,854	5,167	7,777	10,580	13,994
Borrowing	594	956	1,022	523	1,124	1,265	1,667	2,551	2,765	2,443	2,710	3,122
Other Liabilities +	31	39	60	156	163	185	193	270	344	352	397	689
Total Liabilities	757	1,193	1,604	2,164	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884
Fixed Assets +	2	2	6	13	18	30	35	66	163	152	156	298
CWIP	0	0	2	1	1	8	8	49	1	17	135	0
Investments	1	0	594	311	664	808	1,874	2,058	2,570	2,599	3,137	3,693
Other Assets +	754	1,190	1,002	1,839	3,078	4,518	4,795	6,007	7,127	9,610	12,187	15,893
Total Assets	757	1,193	1,604	2,164	3,761	5,365	6,712	8,180	9,861	12,378	15,614	19,884

Financials of Suryoday Small Finance Bank Ltd

Operating, investing and financing cash movement

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	-545	526	-876	-347	-98	935	1,320	652
Cash from Investing Activity +	-14	-167	-280	-158	-266	-263	-1,059	-792
Cash from Financing Activity +	655	210	915	885	213	-322	268	412
Net Cash Flow	97	569	-241	381	-150	349	529	273
Free Cash Flow	-556	496	-896	-438	-190	879	1,143	577
CFO/OP	-177%	169%	-267%	-212%	-20%	127%	166%	79%

Financials of Suryoday Small Finance Bank Ltd

Working capital efficiency and return ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	17%	4%	2%	13%	11%	1%	-6%	5%	13%	6%	8%