Suryoday Small Finance Bank Limited (SURYODAY) 📈: отчетность и дивиденды за 2025

Capitalização

Ifrs

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
Capitalização, bilhão ₹					21.21	11.61	15.23		13.57	13.57	15.40	-10.56
Receita, bilhão ₹	1.26	2.04	4.07	5.78	5.1	6.78	12.81	18.08	10.78	18.08	10.71	16.15
Lucro líquido, bilhão ₹	0.151	0.1149	0.904	1.11	0.1186	-0.9303	0.777	2.16	1.15	2.16	0.6551	57.52
EV, bilhão ₹			8.61	3.78	35.66	18.58	29.12	29.75	23.51	29.75	27.32	-7.99
EBIT, bilhão ₹	0.477	1.33	2.8	1.44	-0.0294	-0.9303	1.01	2.88	1.44	2.88	0.8741	-317.77
Ebitda, bilhão ₹	0.2385	1.37	2.86	1.54	0.121	-0.7365	1.44	3.39	1.99	3.39	1.24	75.07
Oibda ₹				1.97	-0.027	-0.5899	2.72	4.11	7.18	4.11	2.68	-405.46
Valor do equilíbrio, bilhão ₹	5.01	5.38	8.8	10.66	15.97	15.05	15.85	18.05	19.27	18.05	16.84	3.83
FCF, bilhão ₹	-2.6	4.46	-5.56	4.96	-8.96	-4.38	-1.9	3.27	-16.59	3.27	-5.7120	13.11
Opera.Mnoe Stream, bilhão ₹	-2.53	4.58	-5.45	5.26	-8.76	-3.47	-0.977	-16.76	-14.82	-16.76	-8.9574	11.09
Lucro operacional, bilhão ₹	0.2385	1.33	2.8	1.44	-0.0294	-0.7837	2.06	2.88	6.34	2.88	2.09	-392.92
Ópera. Despesas, bilhões ₹	1.02	1.31	1.91	2.72	3.29	4.13	7.43	8.94	4.44	8.94	5.65	6.18
Capex, bilhão ₹	0.0751	0.1164	0.1103	0.2957	0.1953	0.9142	0.9263	0.5567	1.77	0.5567	0.8725	55.40

	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q1	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Média de 5 trimestres	CAGR 5
Capitalização, bilhão ₹									17.69				11.03				17.11							15.28	-1.11
Receita, bilhão ₹														2.44	2.76	2.73	2.98	5.09	5.58	5.55	3.08	2.11	6.04	4.47	1.60
Lucro líquido, bilhão ₹														0.3889	0.476	0.503	0.5722	0.6084	0.7006	0.4539	0.333	-0.3378	0.3528	0.3005	-12.82
EV, bilhão ₹														29.12	35.64	34.88	36.51	29.71	35.06	9.22	5.94	23.44	23.65	19.46	-7.57
EBIT, bilhão ₹										-0.3709	1.25	0.3392	0.4714	0.0689	1.27	1.35	1.53	2.54		3.34				2.01	21.34
Ebitda, bilhão ₹														0.5022	0.6342	0.6768	0.763	1.74	-0.9272	0.6015	0.3774	-0.4678	0.4683	0.0104	-187.23
Oibda ₹																	0.9538	6.22	-0.7006	0.7491	0.758	-0.5978	0.5838	0.1585	-196.42
Valor do equilíbrio, bilhão ₹														15.85	16.33	16.84	17.43	18.05	18.78	19.25	19.6	19.27	19.61	19.30	0.87
FCF, bilhão ₹	0.0175	0.0175	0.0128	0.0128	0.0242	2.84	1.38	-7.29		0.0093				0.0253										-0.6071	-61.10
Opera.Mnoe Stream, bilhão ₹	0.0175	0.0175	0.0128	0.0128	0.0242	2.97	1.46	-7.24		0.0093				0.0253										-0.5551	-61.45
Lucro operacional, bilhão ₹														0.5022	0.6342	0.6768	0.763	5.09	0.9272	0.6015	0.7136	-0.4678	0.4683	0.4486	-12.77
Ópera. Despesas, bilhões ₹														1.42	1.59	1.78	1.83	2.07	2.71	2.87	2.36	1.16	3.09	2.44	2.66
Capex, bilhão ₹						0.1279	0.0779	0.0504																0.0854	-26.69

Fluxo de caixa O fluxo de caixa é trimestralmente Ativos

Saldo contábil

Ifrs

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
Dinheiro, bilhão ₹	0.5566	1.69	2.65	8.37	5.93	9.74	8.33	11.8	14.66	11.8	10.09	19.84
Investimentos de curto prazo ₹				-0.5417	-0.9087	5.96	7.76	23.6		23.6	7.17	-312.73
Investimentos de longo prazo ₹			6.64	8.08	18.74	20.58	25.7				15.95	31.09
Contas a receber ₹		0.2703	0.4247	0.567	0.7302	0.7863	0.8203	1.22		1.22	0.8248	16.56
Total de ativos circulantes ₹	0.5566	1.96	3.08	7.83	5.02	3.79	0.5665	13.02	17.09	13.02	7.90	27.76
Ativos puros, bilhões ₹		0.1354	0.1898	0.3873	0.4322	1.15	1.64			1.64	0.7599	53.93
Ativos, bilhões ₹	16.04	21.56	37.61	53.65	67.12	81.8	98.61	123.78	156.14	123.78	105.49	18.39
Dívida de curto prazo ₹		5.25	4.59	5.41	6.12	5.55	8.63	14.1		14.1	7.96	21.12
Dívida, bilhão ₹	11.04	16.17	28.81	42.98	51.15	66.75	82.76	105.73	136.87	105.73	88.65	21.76
Dívida pura, bilhão ₹	4.41	5.29	8.61	3.78	10.97	8.63	19.32	12.63	12.44	12.63	12.80	2.55
Dívida, bilhão ₹			11.27	12.16	16.9	18.37	34.69	36.54	27.1	36.54	26.72	9.90
Receita de juros ₹			5.3	7.67	7.76	9.42	11.84				8.40	17.44
Despesas com juros, bilhões ₹		1.21	1.9	2.76	3.66	3.57	4.37	6.26	8.48	6.26	5.27	18.30
Renda de juros pura, bilhão ₹			3.4	4.91	4.1	5.84	7.47	15.89		11.84	7.64	26.48
Depreciação, bilhão ₹	-0.2385	0.0466	0.0559	0.0978	0.1503	0.1938	0.4333	0.5135	0.5559	0.5135	0.3694	29.90
Custo, bilhão ₹						3.57	4.37	6.26	8.48	6.26	5.67	24.15
Suprimentos médicos ₹		-2.34	-3.19	-9.51	-7.43	11.35	9.25	10.58		10.58	2.85	-202.16

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Média de 5 trimestres	CAGR 5
Dinheiro, bilhão ₹									8.33	8.48	7.26	5.88	11.8	9.21	10.73	8.52	14.66	14.31	11.49	9.21
Investimentos de curto prazo ₹					0.0358					3.97			23.6	18.43					11.51	376.33
Investimentos de longo prazo ₹			18.38	20.6	20.58	28	24.24	24.72	25.7	27.22	29.05	28.54							27.05	2.92
Contas a receber ₹	0.7302	6.73	1.87	1.93	0.7863	1.31	0.2442	1.59	0.8203	3.97									1.59	24.83
Total de ativos circulantes ₹									9.15	4.51	7.26	5.88	11.8	9.21	10.73	8.52	17.09	14.31	11.97	9.21
Ativos puros, bilhões ₹	0.4322	0.4202	0.4144	0.5312	1.15	1.5	1.58	1.72	1.64	1.58									1.60	1.04
Ativos, bilhões ₹									98.61	102.08	108.56	111.22	123.78	127.44	135	139.26	156.14	160.59	143.69	4.73
Dívida de curto prazo ₹					5.55				8.63				14.1						9.43	36.45
Dívida, bilhão ₹									82.76	25.48	24.8	25.63	105.73	108.66	115.75	119.66	136.87	140.98	124.38	5.35
Dívida pura, bilhão ₹									19.32	17	17.54	19.75	12.63	14.19	-10.73	-8.52	12.44	8.54	3.18	-9.66
Dívida, bilhão ₹									27.65	25.48	24.8	25.63	24.43	23.41	21.79	19.56	27.1	22.85	22.94	-0.48
Receita de juros ₹			2.34	2.55	2.37	2.81	2.81	2.92	3.29	3.58	3.75	4.11							3.53	7.08
Despesas com juros, bilhões ₹									1.19	1.33	1.54	1.65	1.74	1.95	2.07	2.2	2.26	2.48	2.19	4.93
Renda de juros pura, bilhão ₹					1.46	1.77	1.76	1.83	2.1	2.25	2.21	2.46	4.45	4.88					3.25	16.75
Depreciação, bilhão ₹						-0.1011	-0.1696	-0.2357	0.4333	-0.6342	-0.6768	-0.763	-0.8017	-0.9272	-2.74				-1.1817	32.27
Custo, bilhão ₹														1.95	2.07	2.2	2.26	2.48	2.19	4.93
Suprimentos médicos ₹					-10.56				-9.25										-9.9050	-6.41

Promoção

Ifrs

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
EPS			8.52	10.48	1.31	-8.76	7.32	20.19	10.75	20.19	6.16	52.34
O preço da ação do AO					145.65	121.8	156.6	135.49	126.87	126.87	137.28	-2.72
O número de ações da AO, milhões	98.24	69.82	82.03	106.13	107.27	106.14	106.16	106.96	106.95	106.96	106.70	-0.06
FCF/Promoção	-26.48	63.87	-67.81	46.76	-83.51	-41.26	-17.93	30.57	-155.15	30.57	-53.4560	13.19

	2013Q4	2014Q4	2015Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média de 5 trimestres	CAGR 5
EPS												3.66	4.48	4.61	5.36	5.7	6.55	4.24	3.12	-3.18	3.32		2.81	-12.71
O preço da ação do AO									113.86	93.54	103.86	104.35	132.52	173.11	160.32					101.5	143.09	127.41	141.09	-5.95
O número de ações da AO, milhões	26.52	33.15	33.15	98.24	69.82	82.03	106.13	107.27			106.16				106.75								101.67	5.41
FCF/Promoção	0.0057	0.0679		0.1784	0.1831	0.2949	13.01					0.2382											2.78	5.95

Eficiência

Ifrs

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
ROE, %	3.02	2.13	10.27	10.4	0.7424	-6	5.03	12.74	6.16	12.74	16.99	3.73	52.68
Roa, %	0.9413	0.533	2.4	2.07	0.1766	-1.25	0.8614	1.94	0.8214	1.94	4.69	0.5099	35.99
ROIC, %					0.3792	19.68					11.16	10.03	620.41
Ros, %	12.02	5.63	22.2	19.18	2.32	-13.72	6.07	11.94	11.94	11.94	50.64	3.71	38.77
Roce, %	9.53	24.61	31.82	13.52	-0.1838	-1.14	1.03	3.06	15.93	15.93	9.91	3.74	-344.10
EBIT margem				26.62	-0.5756	-13.72	7.87	15.9	15.9	15.9	52.65	5.07	-294.20
Lucratividade do EBITDA	18.98	67.27	70.15	26.62	2.37	-10.86	11.26	18.74	18.74	18.74	54.98	8.05	51.22
Pura lucratividade	12.02	5.63	22.2	19.18	2.32	-13.72	6.07	11.94	10.66	11.94	50.64	3.45	35.66
Eficiência operacional, %	18.98	64.98	68.78	24.93	-0.5756	-11.56	16.05	15.9	15.9	15.9	52.77	7.14	-294.20
FCF lucratividade, %					-42.24	-37.71	-12.5		-122.29	24.1	-2.72	-53.6850	30.44

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
ROE, %			2.45	2.91	3.16	3.5	3.6	4.01	2.51	1.79	-1.77	1.83		16.99	1.67	-14.52
Roa, %			0.3944	0.4663	0.4776	0.5207	0.5178	0.5578	0.3459	0.2428	-0.2287	0.2228		4.69	0.2281	-16.77
Ros, %				17.26	18.44	19.23	11.94	12.55	8.18	10.82	-15.98	5.84	11.94	50.64	4.16	7.86
Roce, %	0.5621	0.7209	0.4348	1.66	1.84	1.68	2.83		2.86			15.93	15.93	9.91	7.85	56.81
EBIT margem					49.62	51.28	49.88		60.24			24.34	15.9	52.65	40.33	-20.88
Lucratividade do EBITDA				23	24.81	25.64	34.14	-16.61	10.84	12.26	-22.13	7.76	18.74	54.98	5.49	11.57
Pura lucratividade			15.93	17.26	18.44	19.23	11.94	12.55	8.18	10.82	-15.98	5.84		50.64	4.28	-14.19
Eficiência operacional, %				23	24.81	25.64	100	16.61	10.84	23.18	-22.13	7.76	15.9	52.77	7.11	7.96

	Média na indústria	Média de 5 trimestres	CAGR 5

Coeficientes

Ifrs

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
P/e					178.89	-12.48	12.61	7.93	9.63	7.93	35.29	39.32	-44.25
P/bv					1.33	0.6615	0.6183	0.9485	0.5745	0.9485	3.49	0.8266	-15.46
P/s					4.16	1.47	0.7649	0.9468	1.03	0.9468	10.24	1.67	-24.36
P/fcf					-2.37	-2.65	-8	1.97	4.15	4.15	11.94	-1.3800	-211.86
E/p					0.0056	-0.0801	0.051	0.1245	0.1591	0.1591	0.06	0.0520	95.30
EV/EBIT				2.46	-1214.87	-19.98	28.87	10.34	10.34	10.34	46.28	-237.0600	-138.55
EV/EBITDA			3.01	0.86	9.08	-25.23	20.2	8.78	11.79	8.78	29.21	4.92	5.36
EV/S				0.6542	6.99	2.74	2.27	1.65	1.65	1.65	12.96	3.06	-25.08
EV/FCF				0.7624	-3.98	-4.24	-15.3	9.1	9.1	9.1	8.40	-1.0640	-217.99
Dívida/Ebitda			3.94	2.76	4.3	-24.94	24.06	10.78	10.78	10.78	7.87	5.00	20.18
NetDebt/Ebitda	18.51	3.86	3.01	2.46	90.69	-11.71	13.4	3.73	3.73	3.73	-0.21	19.97	-47.18
Dívida/índice				0.2266	0.2518	0.2246	0.3518	0.2952	0.2952	0.2952	0.27	0.2837	3.23
Dívida/patrimônio líquido				1.14	1.06	1.22	2.19	2.02	5.86	5.86	2.77	2.47	40.77
Dívida/lucro líquido				10.96	142.56	-19.74	44.65	16.92	16.92	16.92	13.51	40.26	-34.70
Peg									-0.7962	-0.7962	14.54	-0.7962	0.00
Beta							-0.6607	5.27	0.7313	0.7313	2.50	1.78	-203.44
ÍNDICE ALTMAN					0.4872	0.2937	0.3667	0.232	0.3885	0.3885	1.45	0.3536	-4.43

	2021Q4	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
P/e		61.09	12.62	15.86	10.99	8.67	7.94	8.78	8.53	6.91		18.96		35.29	10.22	19.02
P/bv			0.6183	0.2432	0.207	0.1958	0.9466	1.11	1.04	0.7377	0.5706	0.7705		3.49	0.8458	-7.04
P/s			1.16	2.01	1.7	1.54	1.26	1.33	1.06	0.7504	0.6777	0.9035		10.24	0.9443	-7.44
P/fcf												1.97	4.15	11.94	3.06	45.14
E/p	0.0027	0.0164				0.0334						0.1245	0.1591	0.06	0.0672	125.98
EV/EBIT					25.77	23.93	11.7		2.76			1.85	10.34	46.28	10.12	-15.45
EV/EBITDA			14.19	56.19	14.05	12.13	7.79	15.57	4.24	3.32	-56.33	24.14		29.21	-1.8120	9.17
EV/S				12.92	12.78	12.27	5.83	6.28	1.66	1.93	11.09	3.92	1.65	12.96	4.05	-0.12
EV/FCF												0.6051	9.1	8.40	4.85	287.80
Dívida/Ebitda				40.18	36.64	33.59	14.05	-25.24	36.22	51.83	-57.94	48.78	10.78	7.87	17.93	-21.52
NetDebt/Ebitda				26.81	25.92	25.89	7.26	-15.31	-17.84	-22.58	-26.6	18.23	3.73	-0.21	-9.0120	-173.12
Dívida/índice				0.2497	0.2284	0.2305	0.1974	0.1837	0.1614	0.1405	0.1736	0.1423	0.2952	0.27	0.1826	12.83
Dívida/patrimônio líquido				1.56	1.47	1.47	1.35	1.25	1.13	0.9978	1.41	1.17	5.86	2.77	2.11	38.98
Dívida/lucro líquido				53.54	49.3	44.79	40.15	33.41	48	58.74	-80.23	64.75	16.92	13.51	21.64	-18.82
Peg												-0.9395	-0.7962	14.54	-0.8679	-7.94
Beta											2.92	3.98	0.7313	2.50	2.54	-36.97
ÍNDICE ALTMAN	0.3764	0.2447									0.2346	0.248	0.3885	1.45	0.2984	0.63

	Média na indústria	Média de 5 trimestres	CAGR 5

Dividendos

Ifrs

Relatórios Anual

	2021	2022	2023	LTM	Média na indústria	Média de 5 anos	CAGR 5
Div. Pagamento, bilhão	0.0061	7.51	7.51			5.01	971.77
Dividendo				0
Div renda, AO, %				0	0.94
Dividendos / lucro, %	5.15	-807.07	966.32	966.32	19.49	54.80	472.49
O coeficiente de revestimento de dividendos	19.42	-0.1239			8.00	9.65	-107.99

	Média na indústria	Média de 5 trimestres	CAGR 5

	Média na indústria	Média de 5 trimestres	CAGR 5

Descansar

Ifrs

Relatórios Anual

	2020	2021	2022	2023	2024	2025	LTM	CAGR 5
Capex/Receita, %	5.11	3.83	13.49	7.23	3.08	16.41	3.08	33.78
Funcionários, pessoas				6 025	6 025			0.00

	CAGR 5

	CAGR 5

Investing Port

Suryoday Small Finance Bank Limited

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