Suryoday Small Finance Bank Intrinsic Value
Suryoday Small Finance Bank intrinsic value. Suryoday Small Finance Bank (SURYODAY) median intrinsic value is ₹217.20 from 10 valuation models (range ₹44–₹367), vs current price ₹146.86 — +47.9% upside (Trading Below Calculated Value), margin of safety 32.4%. 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 ₹146.86 — 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 | ₹217.20 | ₹173.76 - ₹260.64 | +47.9% | EPS: ₹18.10, Sector P/E: 12x |
| Book Value Method | asset | ₹156.83 | ₹141.15 - ₹172.51 | +6.8% | Book Value/Share: ₹196.04, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹253.40 | ₹228.06 - ₹278.74 | +72.5% | Revenue/Share: ₹253.40, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹120.28 | ₹108.25 - ₹132.31 | -18.1% | EBITDA: ₹255.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹367.15 | ₹293.72 - ₹440.58 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹289.60 | ₹260.64 - ₹318.56 | +97.2% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹155.66 | ₹140.09 - ₹171.23 | +6.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹181.13 | ₹163.02 - ₹199.24 | +23.3% | ROE: 9.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹282.55 | ₹254.30 - ₹310.81 | +92.4% | EPS: ₹18.10, BVPS: ₹196.04 |
| Dividend Yield Method | dividend | ₹44.06 | ₹39.65 - ₹48.47 | -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 ₹44–₹367 vs current market price ₹146.86 across 10 valuation models. Compare with SURYODAY fair price to assess whether the stock is under or overvalued.
SURYODAY Intrinsic Value Analysis — Undervalued or Overvalued?
Suryoday Small Finance Bank median intrinsic value ₹217.20, current price ₹146.86 — Trading Below Calculated Value by 47.9%, margin of safety 32.4%.
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 ₹217.20 (median value). With the current market price of ₹146.86, this represents a +47.9% variance from our estimated fair value.
The valuation range spans from ₹44.06 to ₹367.15, indicating ₹44.06 - ₹367.15.
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 47.9%.
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 | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | 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 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 |