Suryoday Small Finance Bank Limited
Suryoday Small Finance Bank Limited provides financial products to micro-entrepreneurs and underserved communities and individuals in India. It operates through Treasury, Retail Banking, Corporate Banking, and Other Banking Operation segments. The company offers savings, salary, and current accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wheeler, co… Read more
Suryoday Small Finance Bank Limited (SURYODAY) - Net Assets
Latest net assets as of December 2025: ₹20.29 Billion INR
Based on the latest financial reports, Suryoday Small Finance Bank Limited (SURYODAY) has net assets worth ₹20.29 Billion INR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹170.39 Billion) and total liabilities (₹150.10 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹20.29 Billion |
| % of Total Assets | 11.91% |
| Annual Growth Rate | 32.79% |
| 5-Year Change | 20.68% |
| 10-Year Change | 875.59% |
| Growth Volatility | 40.99 |
Suryoday Small Finance Bank Limited - Net Assets Trend (2013–2025)
This chart illustrates how Suryoday Small Finance Bank Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Suryoday Small Finance Bank Limited (2013–2025)
The table below shows the annual net assets of Suryoday Small Finance Bank Limited from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹19.27 Billion | +6.77% |
| 2024-03-31 | ₹18.05 Billion | +13.90% |
| 2023-03-31 | ₹15.85 Billion | +5.29% |
| 2022-03-31 | ₹15.05 Billion | -5.75% |
| 2021-03-31 | ₹15.97 Billion | +49.77% |
| 2020-03-31 | ₹10.66 Billion | +21.11% |
| 2019-03-31 | ₹8.80 Billion | +63.49% |
| 2018-03-31 | ₹5.38 Billion | +7.57% |
| 2017-03-31 | ₹5.01 Billion | +153.41% |
| 2016-03-31 | ₹1.98 Billion | +49.70% |
| 2015-03-31 | ₹1.32 Billion | +50.82% |
| 2014-03-31 | ₹874.90 Million | +36.45% |
| 2013-03-31 | ₹641.17 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Suryoday Small Finance Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 16161.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹4.07 Billion | 21.12% |
| Common Stock | ₹1.06 Billion | 5.52% |
| Other Comprehensive Income | ₹18.21 Billion | 94.48% |
| Total Equity | ₹19.27 Billion | 100.00% |
Suryoday Small Finance Bank Limited Competitors by Market Cap
The table below lists competitors of Suryoday Small Finance Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Samwha Electri
KO:009470
|
$92.65 Million |
|
Hung -Gu Oil Ltd
KQ:024060
|
$92.66 Million |
|
Korea Alcohol Industrial Co. Ltd
KQ:017890
|
$92.69 Million |
|
CAMBI ASA NK -02
F:3W7
|
$92.70 Million |
|
Rojana Industrial Park Public Company Limited
BK:ROJNA
|
$92.64 Million |
|
Onewater Marine
NASDAQ:ONEW
|
$92.63 Million |
|
Celxpert Energy
TWO:3323
|
$92.62 Million |
|
HaiNan Pearl River Holdings Co Ltd Class B
SHE:200505
|
$92.61 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Suryoday Small Finance Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 18,049,600,000 to 19,270,900,000, a change of 1,221,300,000 (6.8%).
- Net income of 1,149,646,000 contributed positively to equity growth.
- New share issuances of 10,100,000 increased equity.
- Other comprehensive income increased equity by 18,093,235,000.
- Other factors decreased equity by 18,031,681,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹1.15 Billion | +5.97% |
| Share Issuances | ₹10.10 Million | +0.05% |
| Other Comprehensive Income | ₹18.09 Billion | +93.89% |
| Other Changes | ₹-18.03 Billion | -93.57% |
| Total Change | ₹- | 6.77% |
Book Value vs Market Value Analysis
This analysis compares Suryoday Small Finance Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 3.43x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | ₹37.01 | ₹127.04 | x |
| 2014-03-31 | ₹34.89 | ₹127.04 | x |
| 2015-03-31 | ₹41.19 | ₹127.04 | x |
| 2016-03-31 | ₹54.14 | ₹127.04 | x |
| 2017-03-31 | ₹142.92 | ₹127.04 | x |
| 2018-03-31 | ₹50.74 | ₹127.04 | x |
| 2019-03-31 | ₹126.10 | ₹127.04 | x |
| 2020-03-31 | ₹127.54 | ₹127.04 | x |
| 2021-03-31 | ₹176.81 | ₹127.04 | x |
| 2022-03-31 | ₹141.80 | ₹127.04 | x |
| 2023-03-31 | ₹149.28 | ₹127.04 | x |
| 2024-03-31 | ₹168.74 | ₹127.04 | x |
| 2025-03-31 | ₹180.19 | ₹127.04 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Suryoday Small Finance Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.97%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 5.30%
- • Asset Turnover: 0.14x
- • Equity Multiplier: 8.10x
- Recent ROE (5.97%) is below the historical average (6.39%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 3.05% | 11.22% | 0.09x | 3.17x | ₹-44.57 Million |
| 2014 | 10.08% | 24.18% | 0.09x | 4.57x | ₹710.00K |
| 2015 | 12.77% | 26.06% | 0.09x | 5.74x | ₹36.55 Million |
| 2016 | 13.89% | 27.26% | 0.08x | 6.04x | ₹76.90 Million |
| 2017 | 3.02% | 12.02% | 0.08x | 3.20x | ₹-349.57 Million |
| 2018 | 2.13% | 3.54% | 0.15x | 4.00x | ₹-423.56 Million |
| 2019 | 10.27% | 15.14% | 0.16x | 4.27x | ₹23.61 Million |
| 2020 | 10.40% | 12.99% | 0.16x | 5.03x | ₹43.13 Million |
| 2021 | 0.74% | 1.39% | 0.13x | 4.20x | ₹-1.48 Billion |
| 2022 | -6.18% | -8.99% | 0.13x | 5.43x | ₹-2.44 Billion |
| 2023 | 4.90% | 6.06% | 0.13x | 6.22x | ₹-807.82 Million |
| 2024 | 11.96% | 11.94% | 0.15x | 6.86x | ₹354.63 Million |
| 2025 | 5.97% | 5.30% | 0.14x | 8.10x | ₹-777.44 Million |
Industry Comparison
This section compares Suryoday Small Finance Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Suryoday Small Finance Bank Limited (SURYODAY) | ₹20.29 Billion | 3.05% | 7.40x | $92.64 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |