Suryoday Small Finance Bank Intrinsic Value
Suryoday Small Finance Bank (SURYODAY) median intrinsic value is ₹171.60 from 10 valuation models (range ₹58–₹483), vs current price ₹193.10 — -11.1% downside (Trading Above Median Value), margin of safety -12.5%. For current market price and key ratios, visit Suryoday Small Finance Bank screener.
SURYODAY Valuation Methods Summary — DCF, Graham Number & P/E
Suryoday Small Finance Bank intrinsic value across 10 models vs current price ₹193.10 — upside/downside and value range per method. Read SURYODAY dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹171.60 | ₹137.28 - ₹205.92 | -11.1% | EPS: ₹14.30, Sector P/E: 12x |
| Book Value Method | asset | ₹156.83 | ₹141.15 - ₹172.51 | -18.8% | Book Value/Share: ₹196.04, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹237.74 | ₹213.97 - ₹261.51 | +23.1% | Revenue/Share: ₹237.74, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹125.94 | ₹113.35 - ₹138.53 | -34.8% | EBITDA: ₹267.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹482.75 | ₹386.20 - ₹579.30 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹228.80 | ₹205.92 - ₹251.68 | +18.5% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹122.98 | ₹110.68 - ₹135.28 | -36.3% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹143.40 | ₹129.06 - ₹157.74 | -25.7% | ROE: 7.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹251.15 | ₹226.03 - ₹276.27 | +30.1% | EPS: ₹14.30, BVPS: ₹196.04 |
| Dividend Yield Method | dividend | ₹57.93 | ₹52.14 - ₹63.72 | -70.0% | DPS: ₹1.50, Target Yield: 4.0% |
SURYODAY Intrinsic Value vs Market Price — All Valuation Models
Suryoday Small Finance Bank fair value range ₹58–₹483 vs current market price ₹193.10 across 10 valuation models. Analyse Suryoday Small Finance Bank ownership pattern to track promoter, FII and institutional holdings.
SURYODAY Intrinsic Value Analysis — Undervalued or Overvalued?
Suryoday Small Finance Bank median intrinsic value ₹171.60, current price ₹193.10 — Trading Above Median Value by 11.1%, margin of safety -12.5%.
What is the intrinsic value of SURYODAY?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Suryoday Small Finance Bank (SURYODAY) is ₹171.60 (median value). With the current market price of ₹193.10, this represents a -11.1% variance from our estimated fair value.
The valuation range spans from ₹57.93 to ₹482.75, indicating ₹57.93 - ₹482.75.
Is SURYODAY undervalued or overvalued?
Based on our multi-method analysis, Suryoday Small Finance Bank (SURYODAY) appears to be trading above median value by approximately 11.1%.
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 | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 45.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | 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 2026 | ₹652 Cr | ₹256 Cr | Positive Free Cash Flow | 7/10 |
| 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 |