Current price is less than the intrinsic value

Intrinsic Value

Stock has not been able to generate better return on equity than bank FD

ROE vs FD rates

Dividend Returns

Good time to consider, as stock is not in overbought zone

Entry Point

Stock not in ASM/GSM lists and not a lot of promoter holding is pledged

No Red Flags

Gross non-performing assets rose to 11.80 per cent of gross advances as at March-end 2022

Suryoday Small Finance Bank reports ₹48 cr net loss in Q4 on higher provisioning

Suryoday Small Finance Bank (SSFB) slipped into the red, reporting a net loss of Rs 48.12 crore in the fourth quarter of FY22 against a net profit of Rs 4.72 crore in the preceding quarter, amid asset quality pressures and increased provisioning. Some players in MFI have seen their stress come down this quarter and growth come back…is Suryoday SFB seeing these trends going forward?  Is the worst over for the MFI book? R Baskar Babu, MD CEO, Suryoday Small Finance Bank shares more details on the quarter gone by. Watch here.
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Suryoday Reports Net Loss Of Rs. 48.12 Cr | R Baskar Babu, MD & CEO, Suryoday Small Finance Bank

In its letter dated April 19, the RBI stated that Fino Bank can carry out referral services of term deposit products in the form of FD and RD as a Business Correspondent of Suryoday Small Finance Bank (SSFB).

Fino Payments Bank receives RBI nod to offer partner bank’s FD, RD services

Suryoday Small Finance Bank surged 11.16% to Rs 141.90 after the company’s gross advances jumped 21% year-on-year and 4% quarter-on-quarter to Rs 5,072 crore in Q4 March 2022.

Suryoday Small Finance soars after gross advances jump 21% YoY in Q4FY22

Subex Ltd, Suryoday Small Finance Bank Ltd, Spandana Sphoorty Financial Ltd and Dhani Services Ltd are among the other losers in the BSE’s ‘A’ group today, 28 March 2022.

Valiant Organics Ltd leads losers in ‘A’ group

The uniform microfinance guidelines along with the higher digital penetration would change the contour of microfinance in India in line with what happened in most Asian countries, says Suryoday Small Finance Bank Managing Director R Baskar Babu. He expects the market to evolve into an interest rate …

Microfinance market to turn interest sensitive in two years, borrowers will look for loans with lower rates: Suryoday Small Fin Bank MD Babu

Navi Mumbai-headquartered bank sees potential for cross-selling to microfinance customers

Suryoday Small Finance Bank to offer micr and 2-wheeler loans

Suryodaya Small Finance Bank has revised its fixed deposit interest rates for various tenors, effective March 10, 2022. Suryoday Small Finance Bank provides FD interest rates ranging from 3.25-7 percent per year with maturities ranging from 7 days to 10 years.

Suryoday Small Finance Bank revises FD interest rates: Check latest FD rates

R. Baskar Babu, MD & CEO, Suryoday Small Finance Bank, tells us about the journey from micro-finance institution to bank, and how he brings the company’s positioning statement – ‘A Bank of Smiles’ – to fruition with focus on the customer.

For Suryoday, every happy customer is a brand ambassador: Baskar Babu

Suryoday Small Finance Bank net up at ₹4.72 crore in Q3

Suryoday Small Finance Bank gained 2.64% to Rs 149.80 after the bank’s gross advances rose 27% to Rs 4,966 crore in Q3 FY22 from Rs 3,908 crore recorded in Q3 FY21.

Suryoday SFB rises after recording 27% YoY growth in Q3 advances

Suryoday Small Finance Bank is engaged in business of mortgage loans, commercial vehicles loans, loans to micro, small and medium enterprises.

Suryoday Small Finance Bank Ltd

Suryoday Small Finance Bank Ltd

Intrinsic Value
Intrinsic value is the calculated value of the company and may differ from current stock price. If intrinsic value > current price, price increase is expected in the future to reduce the gap and vice-versa

ROE vs FD rates
Fixed Deposit rate is a virtually risk-free rate where the investor assumes almost no risk on their investment. If stock's long term average ROE is lower than this rate, investors are better off investing the amount in a FD

Dividend Returns
A dividend is the distribution of reward from a portion of company's earnings and is paid to its shareholders. Good dividend returns indicate good health and outlook for the company

Entry Point
High demand for a stock increases its price. If the price is pushed up to a level which is not justified, then it's considered to be in the overbought zone, which is not a good time to buy the stock

News & Opinions

Suryoday Small Finance Bank reports ₹48 cr net loss in Q4 on higher provisioning

News Video

Suryoday Reports Net Loss Of Rs. 48.12 Cr | R Baskar Babu, MD & CEO, Suryoday Small Finance Bank

Fino Payments Bank receives RBI nod to offer partner bank’s FD, RD services

Suryoday Small Finance soars after gross advances jump 21% YoY in Q4FY22

Valiant Organics Ltd leads losers in ‘A’ group

Microfinance market to turn interest sensitive in two years, borrowers will look for loans with lower rates: Suryoday Small Fin Bank MD Babu

Suryoday Small Finance Bank to offer micr and 2-wheeler loans

Suryoday Small Finance Bank Ltd

Intrinsic ValueIntrinsic value is the calculated value of the company and may differ from current stock price. If intrinsic value > current price, price increase is expected in the future to reduce the gap and vice-versa

ROE vs FD ratesFixed Deposit rate is a virtually risk-free rate where the investor assumes almost no risk on their investment. If stock's long term average ROE is lower than this rate, investors are better off investing the amount in a FD

Dividend ReturnsA dividend is the distribution of reward from a portion of company's earnings and is paid to its shareholders. Good dividend returns indicate good health and outlook for the company

Entry PointHigh demand for a stock increases its price. If the price is pushed up to a level which is not justified, then it's considered to be in the overbought zone, which is not a good time to buy the stock

News & Opinions

Suryoday Small Finance Bank reports ₹48 cr net loss in Q4 on higher provisioning

News Video

Suryoday Reports Net Loss Of Rs. 48.12 Cr | R Baskar Babu, MD & CEO, Suryoday Small Finance Bank

Fino Payments Bank receives RBI nod to offer partner bank’s FD, RD services

Suryoday Small Finance soars after gross advances jump 21% YoY in Q4FY22

Valiant Organics Ltd leads losers in ‘A’ group

Microfinance market to turn interest sensitive in two years, borrowers will look for loans with lower rates: Suryoday Small Fin Bank MD Babu

Suryoday Small Finance Bank to offer micr and 2-wheeler loans

Intrinsic Value
Intrinsic value is the calculated value of the company and may differ from current stock price. If intrinsic value > current price, price increase is expected in the future to reduce the gap and vice-versa

ROE vs FD rates
Fixed Deposit rate is a virtually risk-free rate where the investor assumes almost no risk on their investment. If stock's long term average ROE is lower than this rate, investors are better off investing the amount in a FD

Dividend Returns
A dividend is the distribution of reward from a portion of company's earnings and is paid to its shareholders. Good dividend returns indicate good health and outlook for the company

Entry Point
High demand for a stock increases its price. If the price is pushed up to a level which is not justified, then it's considered to be in the overbought zone, which is not a good time to buy the stock