Suryoday Small Finance Bank Intrinsic Value
SURYODAY Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹73.20 | ₹58.56 - ₹87.84 | -49.5% | EPS: ₹6.10, Sector P/E: 12x |
| Book Value Method | asset | ₹145.43 | ₹130.89 - ₹159.97 | +0.3% | Book Value/Share: ₹181.79, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹213.30 | ₹191.97 - ₹234.63 | +47.1% | Revenue/Share: ₹213.30, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹362.48 | ₹289.98 - ₹434.98 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹43.50 | ₹39.15 - ₹47.85 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹52.46 | ₹47.21 - ₹57.71 | -63.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹157.96 | ₹142.16 - ₹173.76 | +8.9% | EPS: ₹6.10, 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 7 different valuation methods, the estimated intrinsic value of Suryoday Small Finance Bank (SURYODAY) is ₹145.43 (median value). With the current market price of ₹144.99, this represents a +0.3% variance from our estimated fair value.
The valuation range spans from ₹43.50 to ₹362.48, indicating ₹43.50 - ₹362.48.
Is SURYODAY undervalued or overvalued?
Based on our multi-method analysis, Suryoday Small Finance Bank (SURYODAY) appears to be trading near calculated value by approximately 0.3%.
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 |
| Debt to Equity Ratio | 8.10 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 3.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 38.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | 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 |