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SURYODAY SMALL FINANCE BANK vs CSB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    SURYODAY SMALL FINANCE BANK CSB BANK SURYODAY SMALL FINANCE BANK/
CSB BANK
 
P/E (TTM) x 8.8 10.7 82.0% View Chart
P/BV x 1.1 1.9 56.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 SURYODAY SMALL FINANCE BANK   CSB BANK
EQUITY SHARE DATA
    SURYODAY SMALL FINANCE BANK
Mar-23
CSB BANK
Mar-23
SURYODAY SMALL FINANCE BANK/
CSB BANK
5-Yr Chart
Click to enlarge
High Rs158275 57.5%   
Low Rs77178 43.4%   
Income per share (Unadj.) Rs111.5133.7 83.4%  
Earnings per share (Unadj.) Rs7.331.6 23.2%  
Cash flow per share (Unadj.) Rs32.787.4 37.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs148.5183.6 80.9%  
Shares outstanding (eoy) m106.16173.49 61.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.7 62.3%   
Avg P/E ratio x16.17.2 223.8%  
Avg P/CF ratio x3.75.6 66.6%  
Avg Price/Bookvalue ratio x0.81.2 64.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m12,48439,295 31.8%   
No. of employees `000NANA-   
Total wages & salary Rs m2,4245,585 43.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,83723,197 51.0%  
Other income Rs m9743,160 30.8%   
Interest expense Rs m4,3719,858 44.3%   
Net interest income Rs m7,46613,338 56.0%  
Operating expense Rs m5,0659,425 53.7%   
Gross profit Rs m2,4003,914 61.3%  
Gross profit margin %20.316.9 120.2%  
Provisions/contingencies Rs m2,5981,600 162.3%   
Profit before tax Rs m1,0097,336 13.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2321,863 12.4%   
Profit after tax Rs m7775,474 14.2%  
Net profit margin %6.623.6 27.8%  
BALANCE SHEET DATA
Advances Rs m60,151206,506 29.1%   
Deposits Rs m51,667245,058 21.1%  
Credit/Deposit ratio x116.484.3 138.2%  
Yield on advances %17.09.1 186.4%   
Cost of deposits %5.33.7 142.1%   
Net Interest Margin %8.75.0 172.8%  
Net fixed assets Rs m1,6323,194 51.1%   
Share capital Rs m1,0621,735 61.2%   
Free reserves Rs m14,69830,118 48.8%   
Net worth Rs m15,75931,853 49.5%   
Borrowings Rs m27,6547,830 353.2%   
Investments Rs m25,70258,487 43.9%   
Total assets Rs m98,612291,623 33.8%  
Debt/equity ratio x5.07.9 63.4%   
Return on assets %0.81.9 42.0%  
Return on equity %4.917.2 28.7%  
Capital adequacy ratio %33.727.1 124.4%  
Net NPAs %1.60.4 442.9%  
CASH FLOW
From Operations Rs m-97722,115 -4.4%  
From Investments Rs m-2,657-7,243 36.7%  
From Financial Activity Rs m2,135-12,242 -17.4%  
Net Cashflow Rs m-1,4992,629 -57.0%  

Share Holding

Indian Promoters % 22.4 0.0 -  
Foreign collaborators % 0.0 49.7 -  
Indian inst/Mut Fund % 19.9 20.7 96.3%  
FIIs % 2.9 4.6 63.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 77.6 50.3 154.3%  
Shareholders   94,235 62,958 149.7%  
Pledged promoter(s) holding % 22.5 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SURYODAY SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on SURYODAY SMALL FINANCE BANK vs CSB BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

SURYODAY SMALL FINANCE BANK vs CSB BANK Share Price Performance

Period SURYODAY SMALL FINANCE BANK CSB BANK S&P BSE BANKEX
1-Day -1.50% 0.03% 0.82%
1-Month -15.71% 1.01% 2.48%
1-Year 74.51% 44.51% 19.28%
3-Year CAGR -15.86% 14.12% 12.00%
5-Year CAGR -10.23% 3.36% 9.40%

* Compound Annual Growth Rate

Here are more details on the SURYODAY SMALL FINANCE BANK share price and the CSB BANK share price.

Moving on to shareholding structures...

The promoters of SURYODAY SMALL FINANCE BANK hold a 22.4% stake in the company. In case of CSB BANK the stake stands at 49.7%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SURYODAY SMALL FINANCE BANK and the shareholding pattern of CSB BANK.

Finally, a word on dividends...

In the most recent financial year, SURYODAY SMALL FINANCE BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

CSB BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of SURYODAY SMALL FINANCE BANK, and the dividend history of CSB BANK.

For a sector overview, read our banking sector report.



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