Suryoday Small Finance Bank Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Mon Apr 13 2026

Suryoday Small Finance Bank (NSE: SURYODAY) is preparing to announce its Q4 FY26 financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on May 2026 (Expected) to approve the audited statements and consider a final dividend recommendation. With the stock at Rs 145 — against a 52-week high of Rs 220 and 1-year return of -30% — the Q4 FY26 results will be a pivotal event for investors.

Analyst estimates for Q4 FY26 revenue stand at Rs 690-740 Cr, with PAT expectations of Rs 88-108 Cr and margin projections of NIM 9.8-10.6%. This article covers the Suryoday Small Finance Bank Q4 results 2026 date, earnings estimates, five key performance factors, five risks, analyst ratings, and investor FAQs.

Table of Contents

Suryoday Small Finance Bank Q4 Results 2026 Date

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Company	Results Date	Article
TCS	April 9, 2026	Preview on Univest
Infosys	April 23, 2026	Preview on Univest
Suryoday Small Finance Bank	May 2026 (Expected)	This article

Why This Quarter Matters

Suryoday Small Finance Bank enters Q4 FY26 with expectations of Loan growth 16-20% YoY. Q4 determines full-year FY26 performance, sets FY27 estimate baselines, and triggers final dividend announcements. At a 1-year return of -30%, this quarter’s results and FY27 guidance will be critical for determining whether the stock can sustain recovery momentum.

Suryoday Small Finance Bank Q4 FY26 Earnings Estimates

Suryoday Small Finance Bank Q4 FY26 analyst estimates. Source: MOFSL, YES Securities, JM Financial.

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Metric	Q3 FY26 Actual	Q4 FY26 Estimate	Driver
Revenue	Rs 656 Cr	Rs 690-740 Cr	Volume + pricing
PAT	Rs 98 Cr	Rs 88-108 Cr	Operating leverage
Margin	NIM 10.4%	NIM 9.8-10.6%	Cost control
Key Growth Metric	Q3 trend	Loan growth 16-20% YoY	Management execution
Dividend Estimate	—	Rs 0.5-1 per share	Board recommendation

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5 Key Factors That Will Drive Suryoday Small Finance Bank Q4 FY26 Performance

Revenue Momentum

Analysts expect Rs 690-740 Cr in Q4 FY26 revenue versus Rs 656 Cr in Q3. Q4 is seasonally important for the Banking/SFB sector and the ability to convert the pipeline into recognised revenue will be the first performance test.

Margin Trajectory

Q4 FY26 margin expectations are NIM 9.8-10.6% versus NIM 10.4% in Q3. Input cost trends, employee expenses, and pricing power will determine whether the company can sustain or improve on Q3 levels.

PAT Quality

Net profit is estimated at Rs 88-108 Cr. Investors will assess whether PAT is driven by operational improvement or non-recurring items. A clean recurring profit print is most positively received by institutional investors.

Management Guidance for FY27

The most consequential output will be FY27 guidance — revenue growth bands, margin targets, and capex plans. In the current global macro environment, credible FY27 guidance carries significant weight for the stock’s re-rating potential.

Dividend Declaration

Suryoday Small Finance Bank is expected to consider a final dividend of Rs 0.5-1 per share. The quantum signals management’s confidence in free cash flow generation and sets expectations for FY27 capital allocation strategy.

5 Risks to Watch in Suryoday Small Finance Bank Q4 FY26

US Tariff and Macro Headwinds

The 26% US reciprocal tariff on Indian goods has created macro uncertainty. For Suryoday Small Finance Bank, indirect impacts include FII outflows and earnings estimate cuts if global demand slows. India-US trade negotiations remain the most important macro catalyst.

Earnings Miss Risk

If Suryoday Small Finance Bank’s Q4 FY26 results miss estimates, the stock could correct sharply. Investors should monitor revenue versus Rs 690-740 Cr and PAT versus Rs 88-108 Cr as the two primary watchpoints.

FY27 Guidance Below Consensus

If FY27 guidance falls below Street expectations, the stock may decline even if Q4 numbers are in line. Forward guidance carries more weight than the reported quarter in the current environment.

FII Outflow Continuation

FIIs sold Rs 22,000 crore in Indian equities in a single week following the tariff announcement. Continued selling would create headwinds for Suryoday Small Finance Bank regardless of company-specific fundamentals.

Sector Regulatory Risk

The Banking/SFB sector faces evolving regulatory frameworks. Policy changes that increase compliance costs or alter competitive dynamics could affect Suryoday Small Finance Bank’s profitability beyond current consensus models.

Suryoday Small Finance Bank Share Price and Analyst Ratings

Suryoday Small Finance Bank share price snapshot and analyst ratings. Source: Brokerages, NSE data.

Suryoday Small Finance Bank is trading at Rs 145 as of early April 2026, against a 52-week high of Rs 220 and 52-week low of Rs 118. Market cap stands at Rs 2,000 Cr.

Brokerage	Rating	Target Price	Thesis
MOFSL	Neutral	Rs 175	MFI correction; SFB loan diversifying
YES Securities	Neutral	Rs 168	MSME + housing loan share growing
JM Financial	Add	Rs 180	Turning profitable on non-MFI book
Emkay	Neutral	Rs 162	Credit cost elevated; caution warranted

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Conclusion

Suryoday Small Finance Bank Q4 FY26 results on May 2026 (Expected) will be a key event for investors monitoring the Banking/SFB sector. Analysts project PAT of Rs 88-108 Cr and revenue of Rs 690-740 Cr. At a CMP of Rs 145 with analyst targets from Rs 162 to Rs 175, FY27 guidance will be the most critical post-results catalyst.

For more Q4 FY26 previews, visit Univest Blogs.

Frequently Asked Questions

What is the Suryoday Small Finance Bank Q4 results 2026 date?

The Suryoday Small Finance Bank Q4 results 2026 date is May 2026 (Expected). The board will meet to approve audited Q4 FY26 financials and consider a final dividend recommendation.

What is the Suryoday Small Finance Bank Q4 FY26 PAT estimate?

Analysts estimate Suryoday Small Finance Bank Q4 FY26 PAT at Rs 88-108 Cr, based on revenue of Rs 690-740 Cr and margin of NIM 9.8-10.6%.

What is Suryoday Small Finance Bank’s share price ahead of Q4 results?

Suryoday Small Finance Bank is trading at Rs 145. The 52-week high is Rs 220 and low is Rs 118. The 1-year return is -30% and market cap is Rs 2,000 Cr.

Will Suryoday Small Finance Bank declare a dividend in Q4 FY26?

Suryoday Small Finance Bank is expected to consider a final dividend of Rs 0.5-1 per share at the Q4 FY26 board meeting on May 2026 (Expected).

Which analysts have a Buy rating on Suryoday Small Finance Bank?

JM Financial (Add, Rs 180) have positive ratings heading into Q4 FY26.

What were Suryoday Small Finance Bank Q3 FY26 results?

Suryoday Small Finance Bank reported Q3 FY26 revenue of Rs 656 Cr and PAT of Rs 98 Cr, with margin at NIM 10.4%. These form the baseline for Q4 FY26 consensus estimates.

When do TCS and Infosys announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026. Infosys Q4 FY26 results are scheduled for April 23, 2026. Read both previews on Univest Blogs.

Is Suryoday Small Finance Bank a good investment ahead of Q4 results?

This depends on your risk appetite and portfolio context. Suryoday Small Finance Bank has compelling long-term factors alongside genuine near-term risks. Consult a SEBI-registered financial advisor before investing.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only. All financial data and analyst estimates are sourced from publicly available information. Verify before investing. Consult a SEBI-registered advisor before making investment decisions.