Suryoday Small Finance Bank Limited Q2 FY26 earnings call summary

Earnings call of 7 Nov 2025, summarised by AI from the filing.

Suryoday Small Finance Bank Q2 FY26 PAT ₹30 cr (Q2 FY25: ₹45 cr, -33%), with ROA target 1.2% for this financial year.

Key takeaways

1. Guidance ROA target 1.2% for this financial year, translating to ROE of 8-9%.
2. Vikas loans Disbursements ₹905 cr in Q2 FY26, +111% year-on-year, driving inclusive finance growth.
3. Asset quality GNPA ratio 5.9% as of September 30, 2025 (September 2024: 2.9%).

Original filing on BSE

Suryoday Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹622 cr, EBITDA −₹46.0 cr, PAT ₹75.2 cr, EBITDA margin -7.4%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹602 cr, EBITDA −₹24.7 cr, PAT ₹49.7 cr, EBITDA margin -4.1%. Not scored. Bank result format: not scored yet. Share price after the results: +6.5% in 29 days (Nifty 500: −3.2%).
• Q3 FY26: Revenue ₹544 cr, EBITDA −₹33.1 cr, PAT ₹36.6 cr, EBITDA margin -6.1%. Not scored. Bank result format: not scored yet. Share price after the results: −10.8% in 29 days (Nifty 500: +1.7%).
• Q2 FY26: Revenue ₹520 cr, EBITDA −₹40.8 cr, PAT ₹30.0 cr, EBITDA margin -7.9%. Not scored. Bank result format: not scored yet. Share price after the results: −8.3% in 29 days (Nifty 500: +1.4%).
• Q1 FY26: Revenue ₹495 cr, EBITDA −₹61.7 cr, PAT ₹35.0 cr, EBITDA margin -12.5%. Not scored. Bank result format: not scored yet. Share price after the results: −5.2% in 29 days (Nifty 500: −1.3%).
• Q4 FY25: Revenue ₹471 cr, EBITDA −₹107 cr, PAT −₹34.0 cr, EBITDA margin -22.7%. Not scored. Bank result format: not scored yet. Share price after the results: +18.0% in 29 days (Nifty 500: +6.1%).
• Q3 FY25: Revenue ₹488 cr, EBITDA −₹1.6 cr, PAT ₹33.0 cr, EBITDA margin -0.3%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹507 cr, EBITDA ₹12.6 cr, PAT ₹45.0 cr, EBITDA margin 2.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Suryoday Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (23 Jul 2026), Results press release (23 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026), Results deck (7 May 2026), Results deck (8 May 2026), Results press release (7 May 2026)
• Q3 FY26: Earnings call (23 Jan 2026), Results deck (22 Jan 2026), Results press release (22 Jan 2026)
• Q2 FY26: Earnings call (7 Nov 2025), Results deck (6 Nov 2025), Results press release (6 Nov 2025)
• Q1 FY26: Earnings call (25 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (9 May 2025), Results deck (8 May 2025), Results press release (8 May 2025)