Suryoday Small Finance Bank Intrinsic Value
SURYODAY Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹76.80 | ₹61.44 - ₹92.16 | -38.6% | EPS: ₹6.40, Sector P/E: 12x |
| Book Value Method | asset | ₹145.43 | ₹130.89 - ₹159.97 | +16.2% | Book Value/Share: ₹181.79, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹222.55 | ₹200.30 - ₹244.81 | +77.8% | Revenue/Share: ₹222.55, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹50.06 | ₹45.05 - ₹55.07 | -60.0% | EBITDA: ₹87.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹312.85 | ₹250.28 - ₹375.42 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹40.96 | ₹36.86 - ₹45.06 | -67.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹55.04 | ₹49.54 - ₹60.54 | -56.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹161.80 | ₹145.62 - ₹177.98 | +29.3% | EPS: ₹6.40, BVPS: ₹181.79 |
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Valuation Comparison Chart
SURYODAY Intrinsic Value Analysis
What is the intrinsic value of SURYODAY?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Suryoday Small Finance Bank (SURYODAY) is ₹145.43 (median value). With the current market price of ₹125.14, this represents a +16.2% variance from our estimated fair value.
The valuation range spans from ₹40.96 to ₹312.85, indicating ₹40.96 - ₹312.85.
Is SURYODAY undervalued or overvalued?
Based on our multi-method analysis, Suryoday Small Finance Bank (SURYODAY) appears to be trading below median value by approximately 16.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 3.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 37.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Suryoday Small Finance Bank
Additional stock information and data for SURYODAY
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹1,320 Cr | ₹791 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹935 Cr | ₹804 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-98 Cr | ₹-231 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-347 Cr | ₹-426 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-876 Cr | ₹-1,016 Cr | Negative Cash Flow | 3/10 |