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Fino Payments Bank Limited FINOPB NSEFINANCIAL

Financial Services · Banks - Regional · India
https://fino.bank.in

Fino Payments Bank Limited provides financial solutions and services in India. It operates in four segments: Treasury, Corporate Banking/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance products, as well as fixed deposit and sweep account facility. It also provides open, internet, and BC banking, as well as mobile banking through the FinoPay app; merchant services; and unified payments interface, recharge, and bills payments. In addition, the company offers other banking operations, including business correspondent, digital payment, cash management, domestic money transfer, and micro ATM services, as well as Aadhaar enabled payment systems; and digital savings accounts. The company was formerly known as Fino Fintech Limited and changed its name to Fino Payments Bank Limited in April 2017. The company was founded in 2006 and is based in Navi Mumbai, India. Fino Payments Bank Limited is a subsidiary of FINO PayTech Limited.

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₹127.74
-46.93% 1Y

Market & Price

Market Cap
₹1,063.03 Cr
Current Price
₹127.74
High / Low (52W)
₹336.00 / ₹112.46
Beta
0.66

Valuation

Stock P/E
15.35
Industry PE
19.12
Forward P/E
5.55
PEG Ratio
-
Book Value
₹96.40
Price to Book
1.33
P/S
0.72
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
6.76%
ROA
1.10%
Profit Margin
3.56%
Op Margin
1.73%
EPS (Latest Qtr)
₹1.47
EPS (TTM)
₹8.32

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹1,535.30 Cr
Total Assets
₹4,205.93 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
77.48%
Chg in Prom Hold
-
FII / Inst Holding
1.91%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1,251.70 Cr
Total Revenue (TTM)
₹1,473.65 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-746.76 Cr
Shares Outstanding
₹8.32 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
21.45%
Profit 5Y
29.37%
Revenue (YoY)
-31.10%
Earnings (YoY)
-70.50%

PROS

  • Compounding revenue at 21.4% over 5 years.
  • Profit CAGR of 29.4% over 5 years.

CONS

  • Trading 62.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FINOPB Fino Payments Bank Limited NSEFINANCIAL 127.74 15.35 ₹1,063.03 Cr - - 6.76% 21.45% 29.37%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025
Revenue 430.36 Cr435.69 Cr-601.50 Cr425.10 Cr365.00 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 404.43 Cr407.24 Cr-631.17 Cr400.47 Cr344.45 Cr
Operating Income -----
EBITDA -----
Interest Expense 25.05 Cr25.65 Cr25.99 Cr28.37 Cr29.41 Cr
Pretax Income 25.93 Cr28.45 Cr29.70 Cr24.63 Cr23.65 Cr
Tax Provision 4.78 Cr5.34 Cr5.70 Cr6.87 Cr5.20 Cr
Net Income 21.15 Cr23.11 Cr24.00 Cr17.76 Cr18.45 Cr
Diluted EPS 2.532.76-2.131.47

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Revenue 378.23 Cr447.04 Cr555.61 Cr677.52 Cr
Cost of Revenue ----
Gross Profit ----
Operating Expenses 335.16 Cr381.94 Cr469.32 Cr569.20 Cr
Operating Income ----
EBITDA ----
Interest Expense 15.31 Cr47.37 Cr78.90 Cr100.58 Cr
Pretax Income 42.74 Cr65.09 Cr86.30 Cr108.35 Cr
Tax Provision 008.00 L15.82 Cr
Net Income 42.74 Cr65.09 Cr86.22 Cr92.53 Cr
Diluted EPS 5.347.8210.3611.08

Compounded Sales Growth

5 Years:21.45%
1 Year:-31.10%

Compounded Profit Growth

5 Years:29.37%
1 Year:-70.50%

Stock Price Performance

1 Year:-46.93%
6 Months:-52.26%
3 Months:-39.71%
1 Month:-4.93%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Total Assets 1,680.00 Cr2,466.40 Cr3,419.11 Cr4,205.93 Cr
Current Assets ----
Cash & Equivalents 766.16 Cr833.94 Cr1,065.55 Cr1,104.19 Cr
Inventory ----
Receivables 4.28 Cr5.39 Cr6.81 Cr21.67 Cr
Total Liabilities 1,200.17 Cr1,913.86 Cr2,775.94 Cr3,459.06 Cr
Current Liabilities ----
Long Term Debt ----
Total Debt 249.65 Cr434.06 Cr712.65 Cr839.46 Cr
Total Equity 479.83 Cr552.55 Cr643.17 Cr746.88 Cr
Shares Outstanding 8.32 Cr8.32 Cr8.32 Cr8.32 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Operating Cash Flow 207.44 Cr-20.10 Cr56.78 Cr76.19 Cr
Investing Cash Flow -64.31 Cr-96.53 Cr-103.76 Cr-164.45 Cr
Financing Cash Flow 352.22 Cr184.41 Cr278.59 Cr126.90 Cr
Capital Expenditure -64.35 Cr-94.34 Cr-103.79 Cr-164.51 Cr
Free Cash Flow 143.09 Cr-114.44 Cr-47.00 Cr-88.32 Cr
Net Change in Cash 495.35 Cr67.78 Cr231.61 Cr38.64 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Gross Margin % ----
Operating Margin % ----
Net Margin % 11.3%14.6%15.5%13.7%
ROE % 8.9%11.8%13.4%12.4%
ROCE % ----

Shareholding Pattern

Insiders
77.48%
Institutions
1.91%
Public Float
8.46%

Analyst View

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