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Consolidated Standalone

Fino Payments Bank

₹286.2 1.6 | 0.6%

Market Cap ₹2381 Cr.

Stock P/E 27.6

P/B 3.8

Current Price ₹286.2

Book Value ₹ 75.5

Face Value 10

52W High ₹383.8

Dividend Yield 0%

52W Low ₹ 201.6

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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Peer Comparison

Fino Payments Bank Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 10 13 19 21 25 29 33 37 39 41
Other Income 265 273 270 282 289 294 315 322 331 360
Total Income 275 285 289 303 314 323 348 359 370 401
Interest Expense 4 5 8 12 14 14 15 19 22 23
Operating Expenditure 257 263 271 278 281 287 314 320 326 353
Provisions and contingencies 0 0 0 0 0 0 0 1 0 0
Operating Profit 14 18 10 14 19 22 19 20 23 25
Profit Before Tax 14 18 10 14 19 22 19 20 23 25
Provision for Tax 0 0 0 0 0 0 0 0 0 0
Profit After Tax 14 18 10 14 19 22 19 20 23 25
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 14 18 10 14 19 22 19 20 23 25
Adjusted Earnings Per Share 1.7 2.1 1.2 1.7 2.3 2.7 2.2 2.3 2.7 3

Fino Payments Bank Profit & Loss

#(Fig in Cr.) Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 19 18 20 36 95 150
Other Income 352 673 771 973 1135 1328
Total Income 371 691 791 1009 1230 1478
Interest Expense 6 10 10 15 47 79
Operating Expenditure 427 713 757 951 1117 1313
Provisions and contingencies 1 1 4 0 0 1
Operating Profit -62 -32 20 43 65 87
Profit Before Tax -62 -32 20 43 65 87
Provision for Tax 0 0 0 0 0 0
Profit After Tax -62 -32 20 43 65 87
Adjustments 0 0 0 0 0 0
Profit After Adjustments -62 -32 20 43 65 87
Adjusted Earnings Per Share -8 -4.1 2.6 5.1 7.8 10.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 164% 74% 0% 0%
Operating Profit CAGR 51% 0% 0% 0%
PAT CAGR 51% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 34% NA% NA% NA%
ROE Average 13% 14% -4% -4%
ROCE Average 11% 10% -1% -1%

Fino Payments Bank Balance Sheet

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

Fino Payments Bank Cash Flow

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

Fino Payments Bank Ratios

# Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) -8 -4.11 2.62 5.14 7.82
CEPS(Rs) -5.66 -1.09 9.49 9.4 12.85
DPS(Rs) 0 0 0 0 0
Book NAV/Share(Rs) 20.78 16.67 19.3 57.28 65.1
Yield on Advances 0 0 0 0 0
Yield on Investments 6.42 3.75 2 3.68 5.78
Cost of Liabilities 4.24 4.32 2.25 2.03 3.51
NIM (Net Interest Margin) 2.95 1.92 1.38 1.45 2.4
Interest Spread 0 0 0 0 0
ROA(%) -9.12 -4.9 2.51 3.18 3.14
ROE(%) -38.48 -21.93 14.59 13.63 12.78
ROCE(%) -23.71 -10.26 8.94 9.23 10.98
PER(x) 0 0 0 48.79 26.05
Price/Book(x) 0 0 0 4.38 3.13
Dividend Yield(%) 0 0 0 0 0
EV/Net Sales(x) 6.66 8.57 11.13 65.54 22.45
EV/Core EBITDA(x) -2.07 -5.01 9.2 54.63 32.72
Interest Earned Growth(%) 0 -5.34 11.72 75.9 166.27
Net Profit Growth 0 48.65 163.91 108.75 52.28
Advances Growth 0 27.5 29.12 85.8 -52.27
EPS Growth(%) 0 48.65 163.91 95.71 52.28
Loans/Deposits(x) 174.39 94.27 74.45 49.67 47.33
Cash/Deposits(x) 3.31 1.11 0.36 0.45 0.24
Current Ratio(x) 1.54 1.09 2.07 1.26 1.25
Quick Ratio(x) 174.39 94.27 74.45 49.67 47.33
CASA % 100 100 100 100 100

Fino Payments Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 75 75 75 75 75 75 75 75 75 75
FII 10.2 10 9.8 9.26 7.67 7.2 6.29 5.57 5.09 5.12
DII 9.66 9.06 8.8 7.84 3.73 4.74 5.47 6.83 5.58 5.91
Public 5.14 5.94 6.4 7.91 13.59 13.06 13.24 12.59 14.34 13.97
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 3.8 times its book value.
  • Earnings include an other income of Rs. 1135 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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