SURYODAY
Suryoday Small Finance Bank Limited
Each stock's 10,000-path forecast, rendered as light.
Suryoday Small Finance Bank Limited (SURYODAY) Stock Analysis & Case Study
Is SURYODAY a good buy? The data-driven verdict.
Suryoday Small Finance Bank Limited (SURYODAY) trades at ₹163,on the numbers it worth a closer look, a Downstox Snapshot Score of 57/100.
On the numbers, Suryoday Small Finance Bank Limited (SURYODAY) worth a closer look, a Downstox Snapshot Score of 57/100, weighing inexpensive at 9.0× earnings, ROE of 7.6%, a 52% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
SURYODAY fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How SURYODAY ranks against the 2,373 companies in our screener
- SURYODAY's market cap of 1,722 Cr ranks in the 48th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SURYODAY's book value of ₹196 ranks in the 71st percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SURYODAY's promoter holding of 22.5% ranks in the bottom 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SURYODAY's 3-year profit (PAT) growth of 25.0% ranks in the 63rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- SURYODAY's 3-year revenue growth of 22.0% ranks in the 76th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for SURYODAY, as of 9 Aug 2026, so it is not ranked here.
Is SURYODAY overvalued? SURYODAY P/E vs peers
SURYODAY trades at 9.0× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
SURYODAY share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 5.3y of SURYODAY history (-10%/yr drift, 42%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| SURYODAY 2027 | ₹97 | ₹165 | ₹283 | +2% |
| SURYODAY 2028 | ₹80 | ₹169 | ₹353 | +4% |
| SURYODAY 2029 | ₹68 | ₹172 | ₹433 | +6% |
| SURYODAY 2030 | ₹59 | ₹175 | ₹522 | +8% |
| SURYODAY 2031 | ₹52 | ₹179 | ₹620 | +10% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability SURYODAY goes up, or doubles?
The bull case for SURYODAY
- SURYODAY's P/E of 9.0x is lower than 88% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Low price-to-book of 0.83×, the market is paying little over the company's net assets.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹433.
The bear case & risks
- SURYODAY's return on equity of 7.6% ranks in the 38th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹68.
SURYODAY volatility & expected range, how bumpy is the ride?
Over the last 5.3 years SURYODAY compounded at -10%/year with annualized volatility of 42%. That volatility implies a 1-year 80% range of ₹97-₹283, the honest backbone behind any single price target.
SURYODAY price forecast, the full 60-month probability fan
SURYODAY price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds SURYODAY hits common targets within the simulated horizon?
Full multi-horizon detail on the SURYODAY price target & forecast page.
SURYODAY Piotroski F-Score: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. SURYODAY scores 6/8, mixed financial health.
SURYODAY MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy SURYODAY with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 35.17% | 2.8× |
| Zerodha | 35.12% | 2.8× |
| Groww | 60.00% | 1.7× |
| Dhan | 35.12% | 2.8× |
| Kotak Neo | 40.00% | 2.5× |
| Paytm Money | 38.17% | 2.6× |
| PocketfulCHEAPEST | 34.30% | 2.9× |
| Anand Rathi | 35.12% | 2.8× |
| Bajaj Broking | 50.00% | 2.0× |
| Share India | 35.31% | 2.8× |
Compare every broker on the SURYODAY MTF page.
About Suryoday Small Finance Bank Limited: sector, index & market-cap context
Suryoday Small Finance Bank Limited (SURYODAY) is a small-cap NSE-listed company, with a market capitalisation of ₹1,728 Cr. See more stocks on our screener.
How the SURYODAY Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Suryoday Small Finance Bank Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
SURYODAY analysis, FAQs
Is Suryoday Small Finance Bank Limited (SURYODAY) a good buy?
On the numbers, Suryoday Small Finance Bank Limited (SURYODAY) worth a closer look, a Downstox Snapshot Score of 57/100, weighing inexpensive at 9.0× earnings, ROE of 7.6%, a 52% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is SURYODAY overvalued or undervalued?
SURYODAY trades at 9.0× earnings, inexpensive versus the ~22× long-run Nifty average.
What is the SURYODAY share price target for 2031?
SURYODAY's probability-weighted 2031 median target is ₹179, with an 80% range of ₹52-₹620 (10,000-path Monte-Carlo).
What is the probability SURYODAY doubles in 5 years?
The modelled probability of SURYODAY reaching ₹324 (2×) within 5 years is 27%.
What is the bull case for SURYODAY?
SURYODAY's P/E of 9.0x is lower than 88% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. Low price-to-book of 0.83×, the market is paying little over the company's net assets.
What are the risks in SURYODAY?
SURYODAY's return on equity of 7.6% ranks in the 38th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.