ScoreWhy is Suryoday Small Finance Bank Ltd ?
1
The company has declared Negative results for the last 4 consecutive quarters
- PAT(Latest six months) At Rs 65.69 cr has Grown at -43.10%
- CREDIT DEPOSIT RATIO(HY) Lowest at 90.11%
- NON-OPERATING INCOME(Q) is 203.16 % of Profit Before Tax (PBT)
2
With ROA of 0.4, it has a Expensive valuation with a 0.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -10.70%, its profits have fallen by -72.1%
3
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 2.40% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -10.70% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Suryoday Small for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Suryoday Small
20.69%
-0.26
41.54%
Sensex
-4.3%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
19.20%
Net Profit Growth (5y)
11.69%
Advance to Deposit
115.82%
Capital Adequacy Ratio (Tier 1)
41.80%
Gross NPA (latest)
6.69%
Gross NPA (avg)
6.00%
Coverage Ratio (avg)
44.30%
Cost to Income (avg)
66.01%
Net Interest Margin (avg)
8.50%
Operating Profit to Assets (avg)
9.81%
ROA (avg)
0.48%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
0.67
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
3.44%
ROA (Latest)
0.41%
Net NPA to Book Value
25.16
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at Rs 276.81 cr
INTEREST EARNED(Q)
Highest at Rs 543.87 cr
PAT(Q)
Highest at Rs 36.56 cr.
EPS(Q)
Highest at Rs 3.44
-5What is not working for the Company
PAT(9M)
At Rs 102.25 cr has Grown at -31.26%
NON-OPERATING INCOME(Q)
is 169.24 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Suryoday Small
Profit After Tax (PAT) - Quarterly
At Rs 36.56 cr has Grown at 124.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 16.30 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 276.81 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 543.87 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 36.56 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.44
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Suryoday Small
Non Operating Income - Quarterly
is 169.24 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
