Suryoday Small Finance Bank Limited
Suryoday Small Finance Bank Limited Fundamental Analysis
Suryoday Small Finance Bank Limited (SURYODAY.BO) shows moderate financial fundamentals with a PE ratio of 12.54, profit margin of 6.03%, and ROE of 7.54%. The company generates $25.2B in annual revenue with strong year-over-year growth of 20.07%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -83.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SURYODAY.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakSURYODAY.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSURYODAY.BO trades at attractive valuation levels.
Growth Score
ModerateSURYODAY.BO shows steady but slowing expansion.
Financial Health Score
WeakSURYODAY.BO carries high financial risk with limited liquidity.
Profitability Score
WeakSURYODAY.BO struggles to sustain strong margins.
Key Financial Metrics
Is SURYODAY.BO Expensive or Cheap?
P/E Ratio
SURYODAY.BO trades at 12.54 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SURYODAY.BO's PEG of 0.39 indicates potential undervaluation.
Price to Book
The market values Suryoday Small Finance Bank Limited at 0.92 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.43 times EBITDA. This is generally considered low.
How Well Does SURYODAY.BO Make Money?
Net Profit Margin
For every $100 in sales, Suryoday Small Finance Bank Limited keeps $6.03 as profit after all expenses.
Operating Margin
Core operations generate 7.92 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.54 in profit for every $100 of shareholder equity.
ROA
Suryoday Small Finance Bank Limited generates $0.76 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Suryoday Small Finance Bank Limited generates limited operating cash flow of $-8.26B, signaling weaker underlying cash strength.
Free Cash Flow
Suryoday Small Finance Bank Limited generates weak or negative free cash flow of $-8.57B, restricting financial flexibility.
FCF Per Share
Each share generates $-80.66 in free cash annually.
FCF Yield
SURYODAY.BO converts -44.93% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.54
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.39
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.92
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.50
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How SURYODAY.BO Stacks Against Its Sector Peers
| Metric | SURYODAY.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.54 | 19.07 | Better (Cheaper) |
| ROE | 7.54% | 805.00% | Weak |
| Net Margin | 6.03% | 1633.00% | Weak |
| Debt/Equity | 1.50 | 0.96 | Weak (High Leverage) |
| Current Ratio | 0.15 | 579.15 | Weak Liquidity |
| ROA | 0.76% | -23911.00% (disorted) | Weak |
SURYODAY.BO outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Suryoday Small Finance Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
97.05%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-19.66%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-318.56%
Industry Style: Value, Dividend, Cyclical
Declining