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Suryoday Small Finance Bank Limited (IN:SURYODAY)
:SURYODAY
India Market

Suryoday Small Finance Bank Limited (SURYODAY) Ratios

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Suryoday Small Finance Bank Limited Ratios

IN:SURYODAY's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:SURYODAY's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
27.21 0.79 1.15 17.42 27.21
Quick Ratio
67.43 0.79 21.52 69.63 67.43
Cash Ratio
32.13 0.72 16.85 44.82 32.13
Solvency Ratio
<0.01 0.03 0.01 -0.01 <0.01
Operating Cash Flow Ratio
-47.46 0.23 -1.98 -15.94 -47.46
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -82.20B₹ -92.70B₹ -82.20B₹ -62.96B₹ -46.13B
Leverage Ratios
Debt-to-Assets Ratio
0.25 0.20 0.28 0.22 0.25
Debt-to-Equity Ratio
1.06 1.35 1.75 1.22 1.06
Debt-to-Capital Ratio
0.51 0.58 0.64 0.55 0.51
Long-Term Debt-to-Capital Ratio
0.41 0.00 0.55 0.57 0.41
Financial Leverage Ratio
4.20 6.86 6.22 5.43 4.20
Debt Service Coverage Ratio
>-0.01 -0.11 -0.05 -0.11 >-0.01
Interest Coverage Ratio
>-0.01 0.46 0.13 -0.22 >-0.01
Debt to Market Cap
0.45 0.00 1.91 2.18 0.45
Interest Debt Per Share
229.21 289.13 301.67 206.73 229.21
Net Debt to EBITDA
0.00 0.00 0.00 -11.71 0.00
Profitability Margins
Gross Profit Margin
100.00%100.00%100.00%100.00%100.00%
EBIT Margin
-2.95%-4.35%-5.13%-13.72%-2.95%
EBITDA Margin
0.00%0.00%0.00%-10.86%0.00%
Operating Profit Margin
-0.58%24.34%6.82%-11.56%-0.58%
Pretax Profit Margin
2.32%24.34%11.95%-18.74%2.32%
Net Profit Margin
2.32%18.28%9.21%-13.72%2.32%
Continuous Operations Profit Margin
2.32%18.28%9.20%-13.72%2.32%
Net Income Per EBT
100.00%75.10%77.04%73.22%100.00%
EBT Per EBIT
-403.92%100.00%175.31%162.12%-403.92%
Return on Assets (ROA)
0.79%1.74%0.79%-1.14%0.18%
Return on Equity (ROE)
4.90%11.96%4.90%-6.18%0.74%
Return on Capital Employed (ROCE)
0.59%2.68%0.59%-0.96%-0.04%
Return on Invested Capital (ROIC)
25.82%1.85%25.82%-12.15%-0.55%
Return on Tangible Assets
0.78%1.74%0.78%-1.12%0.18%
Earnings Yield
7.68%12.32%7.68%-9.99%0.48%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
11.80 7.00 5.13 5.88 11.80
Asset Turnover
0.08 0.10 0.09 0.08 0.08
Working Capital Turnover Ratio
0.82 -7.12 4.64 1.61 0.82
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-97.71 36.05 -9.20 -32.65 -97.71
Free Cash Flow Per Share
-99.89 82.80 -17.93 -41.26 -99.89
CapEx Per Share
2.18 5.24 8.73 8.61 2.18
Free Cash Flow to Operating Cash Flow
1.02 2.30 1.95 1.26 1.02
Dividend Paid and CapEx Coverage Ratio
-44.88 6.87 -1.05 -3.79 -44.88
Capital Expenditure Coverage Ratio
-44.88 6.87 -1.05 -3.79 -44.88
Operating Cash Flow Coverage Ratio
-0.52 0.16 -0.04 -0.19 -0.52
Operating Cash Flow to Sales Ratio
-1.72 0.32 -0.12 -0.51 -1.72
Free Cash Flow Yield
-18.82%50.17%-18.82%-47.02%-36.50%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
207.06 8.11 13.01 -10.01 207.06
Price-to-Sales (P/S) Ratio
4.81 1.48 1.20 1.37 4.81
Price-to-Book (P/B) Ratio
1.54 0.97 0.64 0.62 1.54
Price-to-Free Cash Flow (P/FCF) Ratio
-2.74 1.99 -5.31 -2.13 -2.74
Price-to-Operating Cash Flow Ratio
-2.80 4.58 -10.35 -2.69 -2.80
Price-to-Earnings Growth (PEG) Ratio
-2.30 0.05 -0.07 0.01 -2.30
Price-to-Fair Value
1.54 0.97 0.64 0.62 1.54
Enterprise Value Multiple
0.00 0.00 0.00 -24.36 0.00
Enterprise Value
29.43B 30.15B 29.43B 17.94B 35.52B
EV to EBITDA
0.00 0.00 0.00 -24.36 0.00
EV to Sales
3.49 2.55 3.49 2.65 6.96
EV to Free Cash Flow
-15.47 3.43 -15.47 -4.10 -3.96
EV to Operating Cash Flow
-30.13 7.88 -30.13 -5.18 -4.05
Tangible Book Value Per Share
178.05 170.02 149.28 141.80 178.05
Shareholders’ Equity Per Share
178.05 170.02 149.28 141.80 178.05
Tax and Other Ratios
Effective Tax Rate
0.02 0.25 0.23 0.27 0.02
Revenue Per Share
56.86 111.30 79.50 63.87 56.86
Net Income Per Share
1.32 20.34 7.32 -8.76 1.32
Tax Burden
0.77 0.75 0.77 0.73 1.00
Interest Burden
-2.33 -5.60 -2.33 1.37 -0.79
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 0.01
Income Quality
-1.26 0.00 -1.26 3.72 -73.92
Currency in INR
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