Suryoday Small Finance Bank Limited (SURYODAY) — Financial Flexibility Index
Suryoday Small Finance Bank Limited (SURYODAY) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-7.95 Billion (operating CF Rs-8.26 Billion minus capex Rs311.30 Million) represents 0% of total liabilities (Rs146.13 Billion). Check Suryoday Small Finance Bank Limited (SURYODAY) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Suryoday Small Finance Bank Limited Financial Flexibility Index (2013–2026)
Historical Financial Flexibility Index trend for Suryoday Small Finance Bank Limited across 14 annual periods. For the full cash flow conversion analysis, see Suryoday Small Finance Bank Limited (SURYODAY) cash conversion ratio.
Annual Financial Flexibility Index for Suryoday Small Finance Bank Limited (2013–2026)
Year-by-year free cash flow to debt coverage for Suryoday Small Finance Bank Limited. Explore Suryoday Small Finance Bank Limited cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.04x | Rs7.28 Billion | Rs6.52 Billion | Rs178.06 Billion | ▲ +142.9% |
| 2025 | -0.10x | Rs-13.05 Billion | Rs-14.82 Billion | Rs136.87 Billion | ▲ +37.8% |
| 2024 | -0.15x | Rs-16.20 Billion | Rs-16.76 Billion | Rs105.73 Billion | ▼ -24915.3% |
| 2023 | 0.00x | Rs-50.70 Million | Rs-977.00 Million | Rs82.76 Billion | ▲ +99.5% |
| 2022 | -0.13x | Rs-8.49 Billion | Rs-9.41 Billion | Rs66.75 Billion | ▲ +24.0% |
| 2021 | -0.17x | Rs-8.57 Billion | Rs-8.76 Billion | Rs51.15 Billion | ▼ -229.6% |
| 2020 | 0.13x | Rs5.55 Billion | Rs5.26 Billion | Rs42.98 Billion | ▲ +169.7% |
| 2019 | -0.19x | Rs-5.34 Billion | Rs-5.45 Billion | Rs28.81 Billion | ▼ -163.9% |
| 2018 | 0.29x | Rs4.69 Billion | Rs4.58 Billion | Rs16.17 Billion | ▲ +230.6% |
| 2017 | -0.22x | Rs-2.45 Billion | Rs-2.53 Billion | Rs11.04 Billion | ▲ +36.5% |
| 2016 | -0.35x | Rs-3.48 Billion | Rs-3.50 Billion | Rs9.95 Billion | ▲ +13.2% |
| 2015 | -0.40x | Rs-2.52 Billion | Rs-2.54 Billion | Rs6.25 Billion | ▼ -79.1% |
| 2014 | -0.23x | Rs-702.90 Million | Rs-710.00 Million | Rs3.12 Billion | ▼ -409.8% |
| 2013 | -0.04x | Rs-61.46 Million | Rs-67.84 Million | Rs1.39 Billion | — |