What was Suryoday Small Finance's revenue in Q4 FY26?

Suryoday Small Finance reported revenue of ₹1,458 Cr in Q4 FY26, a +10.2% change year-over-year.

Did Suryoday Small Finance management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

Suryoday Small Finance Q4 FY26 Research Workspace: Revenue ₹1,458 Cr (+10.2%)

Q: What guidance did Suryoday Small Finance management give?

ROA target of 1.2% in Q1 FY27, rising to 1.6% by Q4 FY27: Management expects ROA to improve from 1.1% in Q4 FY26 to 1.2% in Q1 FY27, aided by higher paying book and PSLC sales, and reach 1.6% by Q4.

Revenue ₹1,458 Cr +10.2%

EBITDA —

PAT ₹152 Cr +32.2%

EBITDA Margin —

Duration 58 min

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2-Minute Summary

✦ AI-Generated from Full Transcript

Suryoday Small Finance Bank reported a strong Q4 FY26 with PAT of ₹152 crore (up 32% YoY) and revenue of ₹1,458 crore (up 10.2% YoY). The turnaround was driven by a sharp reduction in slippages to ₹106 crore (from ₹155 crore in Q3), improving collection efficiency to 99.7% in inclusive finance, and a strategic shift from JLG to individual lending (now 75% of inclusive finance portfolio). Management guided for 1.2% ROA in Q1 FY27, rising to 1.6% by Q4, supported by CGFMU claims of ₹450-550 crore and lower credit costs (~1%). Key risks include potential impact from crude price hikes on the CV portfolio and elevated cost of deposits.

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Research workspace

Focused Modules

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Risk Intelligence

Elevated cost of deposits

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Quarter Snapshot

Slippages (Q4 FY26) ₹106 crore

-32% QoQ

Slippages reduced from ₹155 crore in Q3, driven by improved collections and portfolio quality.

Collection Efficiency (Inclusive Finance) 99.7%

+200bps YoY

Collection efficiency inched towards 99.7%, reflecting strong recovery in the MFI book.

CGFMU Claims Expected (FY27) ₹450-550 crore

N/A

Three cohorts eligible; claims will help reduce GNPA and improve paying book.

Digital Deposit Share (Incremental) 50%

+10pp YoY

Digital channel now contributes half of incremental deposits, with average ticket size of ₹1.25 lakh.

Fast read

Guidance and risk preview

Top guidance ROA target of 1.2% in Q1 FY27, rising to 1.6% by Q4 FY27

Management expects ROA to improve from 1.1% in Q4 FY26 to 1.2% in Q1 FY27, aided by higher paying book and PSLC sales, and reach 1.6% by Q4.

Top risk Elevated cost of deposits

Cost of funds has hardened and remains elevated, with increased competition for deposits among small finance banks, potentially pressuring NIMs.