Fino Payments Bank Limited FINOPB NSEFINANCIAL
Company Overview
Fino Payments Bank Limited provides financial solutions and services in India. 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 cash management services to various sectors, such as micro-finance, banking, logistics, e-commerce, agri-tech, and retail as well as mobile banking through the FinoPay app. In addition, the company offers loan referrals, business correspondent using the Aadhaar authentication, domestic money transfer, and micro ATM services, Aadhaar Pay; and bill payment and recharges. 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.
Why Investors Should Care
Revenue has grown at a 48.8% CAGR over the past five years.
Recent Developments
- Mar 2026 Revenue of ₹1,473.65 Cr (-15.6% YoY); net profit ₹52.46 Cr.
- Trailing 12 Months Year-on-year growth — revenue -36.1%, earnings -43.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 48.8%, profit CAGR -6.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 48.83% |
| 1 Year: | -36.10% |
Compounded Profit Growth
| 5 Years: | -6.94% |
| 1 Year: | -43.30% |
Stock Price Performance
| 1 Year: | -49.03% |
| 6 Months: | -5.74% |
| 3 Months: | -24.73% |
| 1 Month: | -5.47% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)37.54 · Neutral
P/E of 50.10 is above the sector median of 15.25 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 48.8% over 5 years.
CONS
- Trading at a high P/E of 50.1.
- Earnings shrank at -6.9% CAGR over 5 years.
- Trading 62.6% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FINOPB Fino Payments Bank Limited NSEFINANCIAL | 125.74 | 50.10 | ₹1,046.39 Cr | 0.00% | - | 6.52% | 48.83% | -6.94% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 694.05 | 15.17 | ₹10.70 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,398.50 | 18.08 | ₹10.04 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 970.00 | 10.40 | ₹8.95 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 942.10 | 28.93 | ₹5.87 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.00 | 21.42 | ₹4.35 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,212.00 | 13.63 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,678.00 | 26.64 | ₹2.69 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 387.50 | 8.16 | ₹2.45 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 435.69 Cr | 467.50 Cr | 425.10 Cr | 365.00 Cr | 311.10 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 407.24 Cr | 437.80 Cr | 400.47 Cr | 344.45 Cr | 305.71 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 25.65 Cr | 25.99 Cr | 28.37 Cr | 29.41 Cr | 28.88 Cr |
| Pretax Income | 28.45 Cr | 29.70 Cr | 24.63 Cr | 23.65 Cr | 4.10 Cr |
| Tax Provision | 5.34 Cr | 5.70 Cr | 6.87 Cr | 5.20 Cr | -3.00 Cr |
| Net Income | 23.11 Cr | 24.00 Cr | 17.76 Cr | 18.45 Cr | 7.10 Cr |
| Diluted EPS | 2.76 | 2.88 | 2.13 | 1.47 | 0.85 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 447.04 Cr | 555.61 Cr | 1,746.52 Cr | 1,473.65 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 381.94 Cr | 469.32 Cr | 1,638.17 Cr | 1,401.85 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 47.37 Cr | 78.90 Cr | 100.58 Cr | 114.28 Cr |
| Pretax Income | - | 65.09 Cr | 86.30 Cr | 108.35 Cr | 67.41 Cr |
| Tax Provision | - | 0 | 8.00 L | 15.82 Cr | 14.95 Cr |
| Net Income | - | 65.09 Cr | 86.22 Cr | 92.53 Cr | 52.46 Cr |
| Diluted EPS | 5.34 | 7.82 | 10.36 | 11.08 | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 2,466.40 Cr | 3,419.11 Cr | 4,205.93 Cr | 5,311.90 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 833.94 Cr | 1,065.55 Cr | 1,104.19 Cr | 1,350.60 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 4.28 Cr | 5.39 Cr | 6.81 Cr | 21.67 Cr | - |
| Total Liabilities | - | 1,913.86 Cr | 2,775.94 Cr | 3,459.06 Cr | 4,506.69 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 434.06 Cr | 712.65 Cr | 839.46 Cr | 1,535.30 Cr |
| Total Equity | - | 552.55 Cr | 643.17 Cr | 746.88 Cr | 805.21 Cr |
| Shares Outstanding | - | 8.32 Cr | 8.32 Cr | 8.32 Cr | 8.32 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -20.10 Cr | 56.78 Cr | 76.19 Cr | -306.71 Cr |
| Investing Cash Flow | - | -96.53 Cr | -103.76 Cr | -164.45 Cr | -142.72 Cr |
| Financing Cash Flow | - | 184.41 Cr | 278.59 Cr | 126.90 Cr | 695.84 Cr |
| Capital Expenditure | - | -94.34 Cr | -103.79 Cr | -164.51 Cr | -142.72 Cr |
| Free Cash Flow | - | -114.44 Cr | -47.00 Cr | -88.32 Cr | -449.43 Cr |
| Net Change in Cash | - | 67.78 Cr | 231.61 Cr | 38.64 Cr | 246.41 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 14.6% | 15.5% | 5.3% | 3.6% |
| ROE % | - | 11.8% | 13.4% | 12.4% | 6.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FINOPB
Fino Payments Bank Sets October 30 Earnings Call for September Quarter - The Globe and Mail
<a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxQZHJkd3hXdEN1TlByeUY4QkhDaEg2dDE5WUNBVFhxOElHaHpITWhFYWN3MmVBZkhIdUo4a3VGXy1HLURzRXk1cWttTXRBUi1EZzZnWmpSenFvQTNHSXJodXl5eVVGVnVEbXFVZ0VxLUFPQkF5Y2JEM3BaSENJWFpQVU81NE5fc25JWXdMTH…
Fino (FINOPB.NS) Stock Update: ₹132.28 Pivot — Bulls vs Bears Stalemate 2026-10-16 - Cash Flow Strong Stocks - www.siam.in
<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxOYm1rYk5hUnhZTU04dmJCUFUwM3dpZkt1LXRXRlhqZ2ViTTFhWTBVNWp6QUIzbGc3QnBLbFFHV25BQnRsVmFKNDBYQzBfWTh0Uzdna0pGWWNTMFJESkRmbVdXZ1JJTUd6YU96bkVPNi1jNXpJMXBJWkQ2SWlyeTZpRDczNGJWM3RoLTNXUz…
Volume Gainers October 8, 2026 at 12:00 PM IST - HDFC Sky
<a href="https://news.google.com/rss/articles/CBMicEFVX3lxTE4wNmQ4RzBMcTJGLVpqVkJvLWZBQ3lEZndKeHBZOXUxb2JleVRPRGRycWljdXVZdm85WHk4TmRuNVhXcFFZNGtSckI5aDIxc0I1QlpGcURKdU5WWlFIQWYyZU5MT2pMSEEtRkFiVDZDano?oc=5" target="_blank">Volume Gainers O…
What Fino Payments Bank Investors Missed Before A 60% Fall - Simply Wall Street
<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxPNXJtSEF1R0ZRTDhEOTJBNk0xYm5mRnJqVmhxNjhzbTdlUTl1SFRib0trYy1pUWJjTEhMYnFZMDBDVEZIRmJQVU1nZC1rbmhkUEZtQlRWdnpra1RQbjh5bS1YZzhTSDhObHVTT2V5LWNROGVLbm8xYnlDMy1yQ1VHZXBkLWpfVHp5Mm0tdH…
What Has Changed For Fino Payments Bank Since Its 60% Fall - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxOX3FYX19MN3l3QlNwR1FGOVVSQlVLS2ZXVkVJRDdkSDd0eDd0MzRnaE5QWG9oQV91N0VteWU1bXpqeHhuX3kwX2xZNGRrcGN2TVFFZDFxVVBaTWpzbnEyc2lCa1ZnME5jTlhNMkY4MjZZT2lLZEJSWVFDMkxtSzFQX29xRFpSTy10VVFIa1…
Fino PB withdraws resolution seeking shareholders' nod to reappoint CEO - Business Standard
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FINOPB — Frequently Asked Questions
What is the current share price of Fino Payments Bank Limited (FINOPB)?
As of 2026-10-24 04:55 IST, Fino Payments Bank Limited (FINOPB) trades at ₹125.74 on NSE. Its 52-week range is ₹112.46 to ₹336.00.
What is the market capitalisation of FINOPB?
Fino Payments Bank Limited (FINOPB) has a market capitalisation of ₹1,046.39 Cr on NSE.
What is the P/E ratio of FINOPB?
FINOPB trades at a trailing price-to-earnings (P/E) ratio of 50.10. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 1.45.
What is the return on equity (ROE) of FINOPB?
FINOPB has a return on equity (ROE) of 6.52%.
Is FINOPB a good stock to buy?
This page provides a data-driven analysis of Fino Payments Bank Limited (FINOPB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.