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Suryoday Small Finance Bank Limited (SURYODAY.NS)

National Stock Exchange of India Financial Services Banks - RegionalView data quality →
45.1Fair

ValueMarkers Composite Index

Top 13%#38,744 of 44,714
Overvalued

257% above intrinsic value ($0)

UndervaluedFair ValueOvervalued
Piotroski
1/9
Weak
Beneish
-3.61
Low Risk
Altman
-0.38
Distress
DCF Value
$0
Overvalued
ROIC
1.6%
Low
P/E
20.8
Fair
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

Suryoday Small Finance Bank Limited (SURYODAY.NS) — VMCI valuation read

Headline read on SURYODAY.NS: VMCI of 45/100 versus a Financial Services sector median of 50. The 5-point below-median position is what makes Suryoday Small Finance Bank Limited a relative-value laggard in the mid-cap cohort, before any pillar-level review.

Form 4 filings on SURYODAY.NS: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.

**Investor frame.** Three reads on SURYODAY.NS: value (SURYODAY.NS trades at 19.0x earnings, 6% above the Financial Services median of 18.0x), quality (ROIC of 11.0% sits 1.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.6x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.

SURYODAY.NS rose 3.4% over the trailing 7 days, with a -3.4% read on a 30-day basis.

Suryoday Small Finance Bank Limited operates as a small finance bank primarily serving the unserved and underserved with a focus on financial inclusion in India. It operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. The company accepts savings and current accounts, term and fixed deposits, and recurring deposits. It also provides finance for mortgage and commercial vehicles; and loans to micro, small, and medium enterprises, as well as loans to non-banking finance companies. In addition, the company offers home loans, secured business loans against property, joint liability group loans, and emergency credit line guarantee schemes. Further, it provides life, general, and group health insurance, as well as national pension and social security schemes. Additionally, the company offers debit cards and NRI banking services; and internet, phone, tab, and mobile banking services. As of March 31, 2021, it operated 556 banking outlets across 13 states and union territories. The company was formerly known as Suryoday Micro Finance Limited and changed its name to Suryoday Small Finance Bank Limited in January 2017. Suryoday Small Finance Bank Limited was incorporated in 2008 and is based in Navi Mumbai, India.

CEO: Baskar Babu Ramachandran8,214 employeesINwww.suryodaybank.com

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