WEBSITE BSE:543386 NSE: FINOPB Inc. Year: 2007 Industry: Bank - Private
Last updated: 15:57
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; an...Read More
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. ...Read Less
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Market Cap ₹1947 Cr.
Stock P/E 21
P/B 2.5
Current Price ₹234
Book Value ₹ 92
Face Value 10
52W High ₹339
Dividend Yield 0%
52W Low ₹ 180.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 | 60 | 63 |
| Other Income | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 | 340 | 331 |
| Total Income | 359 | 370 | 401 | 437 | 455 | 461 | 493 | 453 | 400 | 394 |
| Interest Expense | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 | 28 | 29 |
| Operating Expenditure | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 | 351 | 344 |
| Provisions and contingencies | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 | 21 |
| Profit Before Tax | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 | 17 |
| Provision for Tax | 0 | 0 | 0 | 0 | 5 | 5 | 6 | 7 | 6 | 5 |
| Profit After Tax | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 | 12 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 | 12 |
| Adjusted Earnings Per Share | 2.3 | 2.7 | 3 | 2.9 | 2.5 | 2.8 | 2.9 | 2.1 | 1.8 | 1.5 |
| #(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 | 237 |
| Other Income | 352 | 673 | 771 | 973 | 1135 | 1328 | 1652 | 1504 |
| Total Income | 371 | 691 | 791 | 1009 | 1230 | 1478 | 1847 | 1740 |
| Interest Expense | 6 | 10 | 10 | 15 | 47 | 79 | 101 | 111 |
| Operating Expenditure | 427 | 713 | 757 | 951 | 1117 | 1313 | 1638 | 1533 |
| Provisions and contingencies | 1 | 1 | 4 | 0 | 0 | 1 | 0 | 0 |
| Operating Profit | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 97 |
| Profit Before Tax | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 93 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 16 | 24 |
| Profit After Tax | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 69 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 69 |
| Adjusted Earnings Per Share | -8 | -4.1 | 2.6 | 5.1 | 7.8 | 10.4 | 11.1 | 8.3 |
| # | 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 | -19% | -0% | NA% | NA% |
| ROE Average | 14% | 14% | 14% | 1% |
| ROCE Average | 11% | 11% | 10% | 3% |
| #(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 |
| #(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 |
| # | 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 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 |
| FII | 5.57 | 5.09 | 5.12 | 5.12 | 4.21 | 3.7 | 4.08 | 2.55 | 2.67 | 2.69 |
| DII | 6.83 | 5.58 | 5.91 | 5.99 | 6.14 | 6.08 | 3.52 | 3.04 | 3.35 | 0.45 |
| Public | 12.59 | 14.34 | 13.97 | 13.89 | 14.64 | 15.22 | 17.4 | 19.42 | 18.98 | 21.86 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 | 6.24 |
| FII | 0.46 | 0.42 | 0.43 | 0.43 | 0.35 | 0.31 | 0.34 | 0.21 | 0.22 | 0.22 |
| DII | 0.57 | 0.46 | 0.49 | 0.5 | 0.51 | 0.51 | 0.29 | 0.25 | 0.28 | 0.04 |
| Public | 1.05 | 1.19 | 1.16 | 1.16 | 1.22 | 1.27 | 1.45 | 1.62 | 1.58 | 1.82 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 | 8.32 |
* The pros and cons are machine generated.
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