Suryoday Small Finance Bank Limited Net Assets
Suryoday Small Finance Bank Limited net assets. Based on the latest financial reports, Suryoday Small Finance Bank Limited (SURYODAY) has net assets worth Rs21.56 Billion INR (≈ $233.12 Million USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs202.04 Billion ≈ $2.18 Billion USD) and total liabilities (Rs180.48 Billion ≈ $1.95 Billion USD). 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. Also explore SURYODAY net asset momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs21.56 Billion |
| % of Total Assets | 10.67% |
| Annual Growth Rate | 30.68% |
| 5-Year Change | 38.08% |
| 10-Year Change | 315.19% |
| Growth Volatility | 40.18 |
Net Assets of Suryoday Small Finance Bank Limited (2013–2026)
Net assets of Suryoday Small Finance Bank Limited from 2013 to 2026. This chart illustrates how Suryoday Small Finance Bank Limited's net assets have evolved over time, based on quarterly financial data. See SURYODAY net asset quality index to measure how much of total assets are equity-financed.
Annual Net Assets for Suryoday Small Finance Bank Limited (2013–2026)
The table below shows the annual net assets of Suryoday Small Finance Bank Limited from 2013 to 2026. For live market cap and overall valuation, see Suryoday Small Finance Bank Limited (SURYODAY) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2026-03-31 | Rs20.78 Billion ≈ $224.76 Million |
+7.85% |
| 2025-03-31 | Rs19.27 Billion ≈ $208.41 Million |
+6.77% |
| 2024-03-31 | Rs18.05 Billion ≈ $195.20 Million |
+13.90% |
| 2023-03-31 | Rs15.85 Billion ≈ $171.38 Million |
+5.29% |
| 2022-03-31 | Rs15.05 Billion ≈ $162.77 Million |
-5.75% |
| 2021-03-31 | Rs15.97 Billion ≈ $172.70 Million |
+49.77% |
| 2020-03-31 | Rs10.66 Billion ≈ $115.31 Million |
+21.11% |
| 2019-03-31 | Rs8.80 Billion ≈ $95.21 Million |
+63.49% |
| 2018-03-31 | Rs5.38 Billion ≈ $58.24 Million |
+7.57% |
| 2017-03-31 | Rs5.01 Billion ≈ $54.13 Million |
+153.41% |
| 2016-03-31 | Rs1.98 Billion ≈ $21.36 Million |
+49.70% |
| 2015-03-31 | Rs1.32 Billion ≈ $14.27 Million |
+50.82% |
| 2014-03-31 | Rs874.90 Million ≈ $9.46 Million |
+36.45% |
| 2013-03-31 | Rs641.17 Million ≈ $6.93 Million |
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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 20256.0% over the analyzed period, indicating profitable operations and earnings retention.
Suryoday Small Finance Bank Limited Net Assets Breakdown (March 2026)
Suryoday Small Finance Bank Limited net assets breakdown by equity component as of March 2026.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs5.09 Billion | 24.51% |
| Common Stock | Rs1.06 Billion | 5.11% |
| Other Components | Rs14.63 Billion | 70.38% |
| Total Equity | Rs20.78 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 |
|---|---|
|
HUYA Inc
F:HY5A
|
$167.56 Million |
|
BLE KEDROS REIC EO 1
F:N67
|
$167.59 Million |
|
Vidhi Specialty Food Ingredients Limited
NSE:VIDHIING
|
$167.60 Million |
|
Omiris AG
F:HBD1
|
$167.69 Million |
|
ICP DAS Co Ltd
TWO:3577
|
$167.47 Million |
|
Boa Safra Sementes S.A
SA:SOJA3
|
$167.46 Million |
|
Digital Daesung Co. Ltd
KQ:068930
|
$167.46 Million |
|
James River Group Holdings Ltd
NASDAQ:JRVR
|
$167.42 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 2025 to 2026, total equity changed from 19,270,900,000 to 20,783,200,000, a change of 1,512,300,000 (7.8%).
- Net income of 1,519,700,000 contributed positively to equity growth.
- New share issuances of 600,000 increased equity.
- Other comprehensive income decreased equity by 18,208,100,000.
- Other factors increased equity by 18,200,100,000.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs1.52 Billion | +7.31% |
| Share Issuances | Rs600.00K | +0.0% |
| Other Comprehensive Income | Rs-18.21 Billion | -87.61% |
| Other Changes | Rs18.20 Billion | +87.57% |
| Total Change | Rs- | 7.85% |
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: 0.75x
- 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 3.94x to 0.75x 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 | Rs37.01 | Rs145.76 | x |
| 2014-03-31 | Rs34.89 | Rs145.76 | x |
| 2015-03-31 | Rs41.19 | Rs145.76 | x |
| 2016-03-31 | Rs54.14 | Rs145.76 | x |
| 2017-03-31 | Rs142.92 | Rs145.76 | x |
| 2018-03-31 | Rs50.74 | Rs145.76 | x |
| 2019-03-31 | Rs126.10 | Rs145.76 | x |
| 2020-03-31 | Rs127.54 | Rs145.76 | x |
| 2021-03-31 | Rs176.81 | Rs145.76 | x |
| 2022-03-31 | Rs141.80 | Rs145.76 | x |
| 2023-03-31 | Rs149.28 | Rs145.76 | x |
| 2024-03-31 | Rs168.74 | Rs145.76 | x |
| 2025-03-31 | Rs180.19 | Rs145.76 | x |
| 2026-03-31 | Rs195.43 | Rs145.76 | 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): 7.31%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 6.03%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 9.57x
- Recent ROE (7.31%) is above the historical average (6.45%), indicating improving 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 | Rs-44.57 Million |
| 2014 | 10.08% | 24.18% | 0.09x | 4.57x | Rs710.00K |
| 2015 | 12.77% | 26.06% | 0.09x | 5.74x | Rs36.55 Million |
| 2016 | 13.89% | 27.26% | 0.08x | 6.04x | Rs76.90 Million |
| 2017 | 3.02% | 12.02% | 0.08x | 3.20x | Rs-349.57 Million |
| 2018 | 2.13% | 3.54% | 0.15x | 4.00x | Rs-423.56 Million |
| 2019 | 10.27% | 15.14% | 0.16x | 4.27x | Rs23.61 Million |
| 2020 | 10.40% | 12.99% | 0.16x | 5.03x | Rs43.13 Million |
| 2021 | 0.74% | 1.39% | 0.13x | 4.20x | Rs-1.48 Billion |
| 2022 | -6.18% | -8.99% | 0.13x | 5.43x | Rs-2.44 Billion |
| 2023 | 4.90% | 6.06% | 0.13x | 6.22x | Rs-807.82 Million |
| 2024 | 11.96% | 11.94% | 0.15x | 6.86x | Rs354.63 Million |
| 2025 | 5.97% | 5.30% | 0.14x | 8.10x | Rs-777.44 Million |
| 2026 | 7.31% | 6.03% | 0.13x | 9.57x | Rs-558.62 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: $148,690,177,427
- Average return on equity (ROE) among peers: 4.23%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Suryoday Small Finance Bank Limited (SURYODAY) | Rs21.56 Billion | 3.05% | 8.37x | $167.55 Million |
| AU Small Finance Bank Limited (AUBANK) | $10.01 Billion | 24.70% | 5.27x | $7.55 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $151.95 Billion | 19.90% | 5.04x | $2.87 Billion |
| Bank of Baroda (BANKBARODA) | $286.07 Billion | 18.35% | 14.99x | $14.00 Billion |
| Bank of India (BANKINDIA) | $605.89 Billion | 6.33% | 12.63x | $6.82 Billion |
| Canara Bank (CANBK) | $76.02 Billion | 18.15% | 16.60x | $12.06 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $2.50 Billion | 7.76% | 16.26x | $132.65 Million |
| Central Bank of India (CENTRALBK) | $324.51 Billion | 8.22% | 12.80x | $3.00 Billion |
| CSB Bank Limited (CSBBANK) | $7.70 Billion | 3.49% | 18.89x | $547.56 Million |
| City Union Bank Limited (CUB) | $20.25 Billion | 17.14% | 11.34x | $1.76 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $702.93 Million |
About 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, current, and special accounts; and term and fixed deposits, recurring, and double joy deposits. It also provides two-wh… Read more