Investor Presentation on the Audited Financial Results of the Bank for Quarter (Q-4) and financial year ended March 31, 2026
SURYODAY · price
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Suryoday Small Finance Bank reported strong Q4 FY26 results with PAT of ₹49.7 Cr turning profitable from a loss of ₹33.8 Cr in Q4 FY25. For FY26, advances grew 29.4% YoY to ₹13,261 Cr and deposits surged 32.3% to ₹13,994 Cr. The bank achieved RoA of 1.1% and RoE of 9.8%, recovering from negative returns in prior year. Asset quality improved with GNPA at 6.5% (down 64 bps YoY) and NNPA at 4.2% (down 39 bps YoY). Inclusive Finance book stands at ₹5,964 Cr (45% of advances) while Retail Assets at ₹7,297 Cr (55%). The bank guided for FY27 with advances and deposit growth of 30-35%, RoA of 1.2-1.6% and RoE of 13-14%, targeting GNPA reduction to ~3%.
The bank has demonstrated a strong turnaround with consistent profitability and improving asset quality, which is positive for shareholders. The FY27 guidance of doubling profitability (RoE 13-14%) with continued 30%+ growth suggests an optimistic outlook, though investors should note FY26 RoA came in below the initial guidance of 1.5-1.6%.