Suryoday Small Finance Bank Limited (SURYODAY) — Cash Flow Quality Index
Suryoday Small Finance Bank Limited (SURYODAY) has a Cash Flow Quality Index of -12.57x as of September 2025. Operating cash flow of Rs-8.26 Billion is below net income of Rs656.90 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of Suryoday Small Finance Bank Limited to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Suryoday Small Finance Bank Limited Cash Flow Quality Index (2013–2026)
Historical Cash Flow Quality Index for Suryoday Small Finance Bank Limited across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Suryoday Small Finance Bank Limited (SURYODAY) cash flow conversion.
Annual Cash Flow Quality Index for Suryoday Small Finance Bank Limited (2013–2026)
Year-by-year earnings quality comparison for Suryoday Small Finance Bank Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 4.29x | Rs6.52 Billion | Rs1.52 Billion | ▲ +133.3% |
| 2025 | -12.89x | Rs-14.82 Billion | Rs1.15 Billion | ▼ -66.2% |
| 2024 | -7.76x | Rs-16.76 Billion | Rs2.16 Billion | ▼ -517.1% |
| 2023 | -1.26x | Rs-977.00 Million | Rs776.91 Million | ▲ +98.3% |
| 2021 | -73.92x | Rs-8.76 Billion | Rs118.55 Million | ▼ -1659.5% |
| 2020 | 4.74x | Rs5.26 Billion | Rs1.11 Billion | ▲ +178.6% |
| 2019 | -6.03x | Rs-5.45 Billion | Rs903.98 Million | ▼ -115.1% |
| 2018 | 39.81x | Rs4.58 Billion | Rs114.92 Million | ▲ +338.0% |
| 2017 | -16.73x | Rs-2.53 Billion | Rs151.00 Million | ▼ -31.1% |
| 2016 | -12.76x | Rs-3.50 Billion | Rs274.43 Million | ▲ +15.3% |
| 2015 | -15.07x | Rs-2.54 Billion | Rs168.50 Million | ▼ -87.1% |
| 2014 | -8.05x | Rs-710.00 Million | Rs88.20 Million | ▼ -131.9% |
| 2013 | -3.47x | Rs-67.84 Million | Rs19.54 Million | — |