Suryoday Small Finance Bank Intrinsic Value
Suryoday Small Finance Bank (SURYODAY) median intrinsic value is ₹203.77 from 8 valuation models (range ₹123–₹415), vs current price ₹165.80 — +22.9% upside (Trading Below Calculated Value), margin of safety 18.6%. Also explore SURYODAY price trends to track price trends across different timeframes.
SURYODAY Valuation Methods Summary — DCF, Graham Number & P/E
Suryoday Small Finance Bank intrinsic value across 8 models vs current price ₹165.80 — upside/downside and value range per method. For current market price and key ratios, visit Suryoday Small Finance Bank screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹171.60 | ₹137.28 - ₹205.92 | +3.5% | EPS: ₹14.30, Sector P/E: 12x |
| Book Value Method | asset | ₹145.43 | ₹130.89 - ₹159.97 | -12.3% | Book Value/Share: ₹181.79, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹203.77 | ₹183.39 - ₹224.15 | +22.9% | Revenue/Share: ₹203.77, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹414.50 | ₹331.60 - ₹497.40 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹228.80 | ₹205.92 - ₹251.68 | +38.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹122.98 | ₹110.68 - ₹135.28 | -25.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹143.40 | ₹129.06 - ₹157.74 | -13.5% | ROE: 7.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹241.85 | ₹217.66 - ₹266.04 | +45.9% | EPS: ₹14.30, BVPS: ₹181.79 |
SURYODAY Intrinsic Value vs Market Price — All Valuation Models
Suryoday Small Finance Bank fair value range ₹123–₹415 vs current market price ₹165.80 across 8 valuation models. Browse SURYODAY income statement for revenue, profit, balance sheet and cash flow data.
SURYODAY Intrinsic Value Analysis — Undervalued or Overvalued?
Suryoday Small Finance Bank median intrinsic value ₹203.77, current price ₹165.80 — Trading Below Calculated Value by 22.9%, margin of safety 18.6%.
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 ₹203.77 (median value). With the current market price of ₹165.80, this represents a +22.9% variance from our estimated fair value.
The valuation range spans from ₹122.98 to ₹414.50, indicating ₹122.98 - ₹414.50.
Is SURYODAY undervalued or overvalued?
Based on our multi-method analysis, Suryoday Small Finance Bank (SURYODAY) appears to be trading below calculated value by approximately 22.9%.
SURYODAY Financial Health — Key Ratios vs Industry Benchmarks
Suryoday Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 | 7.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 42.0% | 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 |
SURYODAY Cash Flow Quality — Operating & Free Cash Flow
Suryoday Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |