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Consolidated Standalone

Fino Payments Bank

₹279 7.4 | 2.7%

Market Cap ₹2322 Cr.

Stock P/E 25.1

P/B 3.1

Current Price ₹279

Book Value ₹ 90.5

Face Value 10

52W High ₹392.2

Dividend Yield 0%

52W Low ₹ 180.5

Edit Ratio

Fino Payments Bank Research see more...

Overview Inc. Year: 2007Industry: Bank - Private

FINO Payments Bank Ltd offers numerous sorts of financial offerings in India. The corporation offers savings accounts, current accounts, sweep account facility, debit and prepaid cards, and mortgage referral offerings. It also offers recharge, invoice payment, remittance, and money transfer services; price structures; cellular banking offerings; FASTag merchandise; unified bills interface facility; and cash bazar, AADHAAR seeding and micro ATM services. In addition, the corporation offers health, life, and two wheeler insurance merchandise; and third party financial products distribution and enterprise correspondent banking offerings. It has 724671 banking stores, 54 Bank Branches, and 130 Customer Service Points. The company was formerly called Fino Fintech Ltd. The corporation incorporated in 2007 and is based in Navi Mumbai, India. FINO Payments Bank Ltd is a subsidiary of Fino PayTech Ltd.

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Fino Payments Bank Share Price

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Price

Quarterly Price

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Peer Comparison

Fino Payments Bank Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Interest Earned 33 37 39 41 45 48 49 53 61 60
Other Income 315 322 331 360 392 408 412 441 392 340
Total Income 348 359 370 401 437 455 461 493 453 400
Interest Expense 15 19 22 23 24 25 26 26 28 28
Operating Expenditure 314 320 326 353 389 404 407 438 400 351
Provisions and contingencies 0 1 0 0 0 0 0 0 0 0
Operating Profit 19 20 23 25 24 26 28 30 25 21
Profit Before Tax 19 20 23 25 24 26 28 30 25 21
Provision for Tax 0 0 0 0 0 5 5 6 7 6
Profit After Tax 19 20 23 25 24 21 23 24 18 15
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 19 20 23 25 24 21 23 24 18 15
Adjusted Earnings Per Share 2.2 2.3 2.7 3 2.9 2.5 2.8 2.9 2.1 1.8

Fino Payments Bank Profit & Loss

#(Fig in Cr.) Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 19 18 20 36 95 150 195 223
Other Income 352 673 771 973 1135 1328 1652 1585
Total Income 371 691 791 1009 1230 1478 1847 1807
Interest Expense 6 10 10 15 47 79 101 108
Operating Expenditure 427 713 757 951 1117 1313 1638 1596
Provisions and contingencies 1 1 4 0 0 1 0 0
Operating Profit -62 -32 20 43 65 86 108 104
Profit Before Tax -62 -32 20 43 65 86 108 104
Provision for Tax 0 0 0 0 0 0 16 24
Profit After Tax -62 -32 20 43 65 86 93 80
Adjustments 0 0 0 0 0 0 0 0
Profit After Adjustments -62 -32 20 43 65 86 93 80
Adjusted Earnings Per Share -8 -4.1 2.6 5.1 7.8 10.4 11.1 9.6

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 30% 76% 61% 0%
Operating Profit CAGR 26% 36% 0% 0%
PAT CAGR 8% 29% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -27% 12% NA% NA%
ROE Average 14% 14% 14% 1%
ROCE Average 11% 11% 10% 3%

Fino Payments Bank Balance Sheet

#(Fig in Cr.) Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 162 130 151 480 553 643 747
Minority's Interest 0 0 0 0 0 0 0
Deposits 48 118 243 503 917 1413 1939
Borrowings 83 111 181 250 434 713 839
Other Liabilities & Provisions 392 266 436 448 563 651 680
Total Liabilities 684 624 1010 1680 2466 3419 4206
Cash and balance with RBI 157 131 88 224 220 317 183
Bank Balance 231 171 183 542 614 748 921
Investments 73 128 504 631 1146 1747 2388
Advances 0 0 0 0 0 0 0
Fixed Assets 42 49 62 92 139 148 167
Other Assets 180 144 172 189 341 411 416
Total Assets 684 624 1010 1680 2466 3419 4206

Fino Payments Bank Cash Flow

#(Fig in Cr.) Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 338 388 302 271 766 834 1066
Cash Flow from Operating Activities 29 -84 -32 207 -20 57 76
Cash Flow from Investing Activities -14 -31 -69 -64 -97 -104 -164
Cash Flow from Financing Activities 35 28 70 352 184 279 127
Net Cash Inflow / Outflow 50 -86 -31 495 68 232 39
Closing Cash & Cash Equivalent 388 302 271 766 834 1066 1104

Fino Payments Bank Ratios

# Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) -8 -4.11 2.62 5.14 7.82 10.36 11.12
CEPS(Rs) -5.66 -1.09 9.49 9.4 12.85 16.78 18.59
DPS(Rs) 0 0 0 0 0 0 0
Book NAV/Share(Rs) 20.78 16.67 19.3 57.28 65.1 75.46 86.44
Yield on Advances 0 0 0 0 0 0 0
Yield on Investments 6.42 3.75 2 3.68 5.78 6.64 6.35
Cost of Liabilities 4.24 4.32 2.25 2.03 3.51 3.71 3.62
NIM (Net Interest Margin) 2.95 1.92 1.38 1.45 2.4 2.53 2.71
Interest Spread 0 0 0 0 0 0 0
ROA(%) -9.12 -4.9 2.51 3.18 3.14 2.93 2.43
ROE(%) -38.48 -21.93 14.59 13.63 12.78 14.74 13.74
ROCE(%) -23.71 -10.26 8.94 9.23 10.98 11.74 11.49
PER(x) 0 0 0 48.79 26.05 27.14 20.52
Price/Book(x) 0 0 0 4.38 3.13 3.73 2.64
Dividend Yield(%) 0 0 0 0 0 0 0
EV/Net Sales(x) 6.66 8.57 11.13 65.54 22.45 20.35 14.02
EV/Core EBITDA(x) -2.07 -5.01 9.2 54.63 32.72 35.15 25.27
Interest Earned Growth(%) 0 -5.34 11.72 75.9 166.27 58.17 30.11
Net Profit Growth 0 48.65 163.91 108.75 52.28 32.48 7.32
Advances Growth 0 27.5 29.12 85.8 -52.27 -41.01 145.86
EPS Growth(%) 0 48.65 163.91 95.71 52.28 32.48 7.31
Loans/Deposits(x) 174.39 94.27 74.45 49.67 47.33 50.45 43.28
Cash/Deposits(x) 3.31 1.11 0.36 0.45 0.24 0.22 0.09
Current Ratio(x) 1.54 1.09 2.07 1.26 1.25 1.24 1.23
Quick Ratio(x) 174.39 94.27 74.45 49.67 47.33 50.45 43.28
CASA % 100 100 100 100 100 100 100

Fino Payments Bank Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 75 75 75 75 75 75 75 75 75 75
FII 6.29 5.57 5.09 5.12 5.12 4.21 3.7 4.08 2.55 2.67
DII 5.47 6.83 5.58 5.91 5.99 6.14 6.08 3.52 3.04 3.35
Public 13.24 12.59 14.34 13.97 13.89 14.64 15.22 17.4 19.42 18.98
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Company has a low return on equity of 14% over the last 3 years.
  • Stock is trading at 3.1 times its book value.
  • Earnings include an other income of Rs. 1652 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Fino Payments Bank News

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