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Fino Payments Bank Ltd

FINOPB·NSE
₹134.33-0.36%Tue, 22 Sept '26 12:41
Industry:Banks - Small Finance
Indices:

Fino Payments Bank Ltd

FINOPB
NSE
₹134.33
-0.36%
|Tue, 22 Sept '26 12:41
SOICxStockScans Reports
Industry
Banks - Small Finance
Indices
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Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
6M
Price
Charts
Documents

Quick Ratios

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Mkt Cap
Market Capitalization
₹1,118Cr
Close
Close Price
₹134.33
Industry
Industry
Banks - Small Finance
PE
Price To Earnings
53.52
PS
Price To Sales
4.31
Revenue
Revenue
₹259Cr
Rev Gr TTM
Revenue Growth TTM
23.01%
PAT Gr TTM
PAT Growth TTM
-75.61%

Quarterly Results

Standalone
Numbers
Percentage
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
373941454849536160636472
Growth YoY
Revenue Growth YoY%
70.254.940.837.530.726.127.534.525.927.621.418.4
Interest Expended
Interest ExpendedCr
192223242526262828292935
Expenses
ExpensesCr
320326353389404407438400351344306285
Financing Profit
Financing ProfitCr
-303-308-335-367-382-384-411-368-319-311-270-248
FPM
FPM%
-828.2-787.4-808.2-810.2-799.4-777.2-778.7-603.1-530.2-493.8-422.0-343.9
Other Income
Other IncomeCr
322331360392408412441392340331276235
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
202325242628302521174-14
Tax
TaxCr
0000556765-30
PAT
PATCr
202325242123241815127-14
Growth YoY
PAT Growth YoY%
41.519.414.229.88.31.4-4.8-26.8-27.4-47.0-70.4-177.3
NPM
NPM%
53.458.260.953.544.346.845.529.125.519.511.1-19.0
EPS
EPS₹
2.42.73.02.92.52.82.92.11.81.50.8-1.6
Ratios
Ratios
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
373941454849536160636472
Growth YoY
Revenue Growth YoY%
70.254.940.837.530.726.127.534.525.927.621.418.4
Interest Expended
Interest ExpendedCr
192223242526262828292935
Expenses
ExpensesCr
320326353389404407438400351344306285
Financing Profit
Financing ProfitCr
-303-308-335-367-382-384-411-368-319-311-270-248
FPM
FPM%
-828.2-787.4-808.2-810.2-799.4-777.2-778.7-603.1-530.2-493.8-422.0-343.9
Other Income
Other IncomeCr
322331360392408412441392340331276235
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
202325242628302521174-14
Tax
TaxCr
0000556765-30
PAT
PATCr
202325242123241815127-14
Growth YoY
PAT Growth YoY%
41.519.414.229.88.31.4-4.8-26.8-27.4-47.0-70.4-177.3
NPM
NPM%
53.458.260.953.544.346.845.529.125.519.511.1-19.0
EPS
EPS₹
2.42.73.02.92.52.82.92.11.81.50.8-1.6
Ratios
Ratios

Profit & Loss

Standalone
Numbers
Percentage
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
161918203695150195248259
Growth
Revenue Growth%
23.6-5.311.775.9166.358.230.127.123.0
Interest Expended
Interest ExpendedCr
361010154779101114121
Expenses
ExpensesCr
2794106907079151,0761,2601,5761,3301,287
Financing Profit
Financing ProfitCr
-266-396-682-697-895-1,028-1,189-1,481-1,196-1,148
FPM
FPM%
-1,715.7-2,068.4-3,760.3-3,440.5-2,512.0-1,083.8-792.1-758.8-482.0-442.7
Other Income
Other IncomeCr
2153526737719731,1351,3281,6521,3401,182
Depreciation
DepreciationCr
1618245435425362760
PBT
PBTCr
-67-62-32204365861086729
Tax
TaxCr
000000016158
PAT
PATCr
-67-62-3220436586935221
Growth
PAT Growth%
7.448.6163.9108.852.332.57.3-43.3-75.6
NPM
NPM%
-434.4-325.7-176.7101.1120.068.657.547.421.18.1
EPS
EPS₹
-16.4-14.0-7.22.65.37.810.411.16.32.5
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
161918203695150195248259
Growth
Revenue Growth%
23.6-5.311.775.9166.358.230.127.123.0
Interest Expended
Interest ExpendedCr
361010154779101114121
Expenses
ExpensesCr
2794106907079151,0761,2601,5761,3301,287
Financing Profit
Financing ProfitCr
-266-396-682-697-895-1,028-1,189-1,481-1,196-1,148
FPM
FPM%
-1,715.7-2,068.4-3,760.3-3,440.5-2,512.0-1,083.8-792.1-758.8-482.0-442.7
Other Income
Other IncomeCr
2153526737719731,1351,3281,6521,3401,182
Depreciation
DepreciationCr
1618245435425362760
PBT
PBTCr
-67-62-32204365861086729
Tax
TaxCr
000000016158
PAT
PATCr
-67-62-3220436586935221
Growth
PAT Growth%
7.448.6163.9108.852.332.57.3-43.3-75.6
NPM
NPM%
-434.4-325.7-176.7101.1120.068.657.547.421.18.1
EPS
EPS₹
-16.4-14.0-7.22.65.37.810.411.16.32.5

Balance Sheet

Standalone
Numbers
Percentage
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
454545458383838383
Reserves
ReservesCr
18011885106397469560664722
Deposits
DepositsCr
39481182435039171,4131,9392,379
Borrowings
BorrowingsCr
48831111812504347138391,535
Other Liabilities
Other LiabilitiesCr
226392266436448563651680592
Total Liabilities
Total LiabilitiesCr
5386846241,0101,6802,4663,4194,2065,312
Fixed Assets
Fixed AssetsCr
6493145195298364
Investments
InvestmentsCr
64731285046311,1461,7472,3883,254
Advances
AdvancesCr
851025517295266372198332
Cash Equivalents
Cash EquivalentsCr
3383883022717668341,0661,1041,351
Other Assets
Other AssetsCr
51121138094753921810
Total Assets
Total AssetsCr
5386846241,0101,6802,4663,4194,2065,312
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
454545458383838383
Reserves
ReservesCr
18011885106397469560664722
Deposits
DepositsCr
39481182435039171,4131,9392,379
Borrowings
BorrowingsCr
48831111812504347138391,535
Other Liabilities
Other LiabilitiesCr
226392266436448563651680592
Total Liabilities
Total LiabilitiesCr
5386846241,0101,6802,4663,4194,2065,312
Fixed Assets
Fixed AssetsCr
6493145195298364
Investments
InvestmentsCr
64731285046311,1461,7472,3883,254
Advances
AdvancesCr
851025517295266372198332
Cash Equivalents
Cash EquivalentsCr
3383883022717668341,0661,1041,351
Other Assets
Other AssetsCr
51121138094753921810
Total Assets
Total AssetsCr
5386846241,0101,6802,4663,4194,2065,312

Cash Flow

Standalone
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-18129-84-32207-205776-307
Investing Cash Flow
Investing Cash FlowCr
-34-14-31-69-64-97-104-164-143
Financing Cash Flow
Financing Cash FlowCr
149352870352184279127696
Net Cash Flow
Net Cash FlowCr
-6650-86-314956823239246
Free Cash Flow
Free Cash FlowCr
-21515-114-101143-114-47-88-449
CFO To EBITDA
CFO To EBITDA%
68.2-7.212.34.6-23.22.0-4.8-5.125.6
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-18129-84-32207-205776-307
Investing Cash Flow
Investing Cash FlowCr
-34-14-31-69-64-97-104-164-143
Financing Cash Flow
Financing Cash FlowCr
149352870352184279127696
Net Cash Flow
Net Cash FlowCr
-6650-86-314956823239246
Free Cash Flow
Free Cash FlowCr
-21515-114-101143-114-47-88-449
CFO To EBITDA
CFO To EBITDA%
68.2-7.212.34.6-23.22.0-4.8-5.125.6

Ratios

Standalone
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
2,0851,6952,3401,8999821,118
Price To Earnings
Price To Earnings
48.826.127.120.518.753.5
Price To Sales
Price To Sales
58.517.915.69.74.04.3
Price To Book
Price To Book
4.33.13.62.51.21.4
EV To EBITDA
EV To EBITDA
-1.8-1.3-1.7-1.1-1.0-3.2
Profitability Ratios
Profitability Ratios
FPM
FPM%
-1,715.6-2,068.2-3,760.3-3,439.7-2,512.2-1,083.8-792.1-758.8-482.0-442.7
NPM
NPM%
-434.4-325.7-176.7101.1120.068.657.547.421.18.1
ROCE
ROCE%
-20.8-19.4-6.25.24.75.96.05.93.93.9
ROE
ROE%
-30.0-38.5-24.613.68.911.813.412.46.56.5
ROA
ROA%
-12.5-9.1-5.12.02.52.62.52.21.01.0
Solvency Ratios
Solvency Ratios
Financial YearMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
2,0851,6952,3401,8999821,118
Price To Earnings
Price To Earnings
48.826.127.120.518.753.5
Price To Sales
Price To Sales
58.517.915.69.74.04.3
Price To Book
Price To Book
4.33.13.62.51.21.4
EV To EBITDA
EV To EBITDA
-1.8-1.3-1.7-1.1-1.0-3.2
Profitability Ratios
Profitability Ratios
FPM
FPM%
-1,715.6-2,068.2-3,760.3-3,439.7-2,512.2-1,083.8-792.1-758.8-482.0-442.7
NPM
NPM%
-434.4-325.7-176.7101.1120.068.657.547.421.18.1
ROCE
ROCE%
-20.8-19.4-6.25.24.75.96.05.93.93.9
ROE
ROE%
-30.0-38.5-24.613.68.911.813.412.46.56.5
ROA
ROA%
-12.5-9.1-5.12.02.52.62.52.21.01.0
Solvency Ratios
Solvency Ratios

Documents — Fino Payments Bank Ltd

  • Q1 FY2027 Earnings Call Transcript (Jun 2026, PDF): https://www.stockscans.in/document/n7lhhwwhfvj0kbv9hqf0qnub.pdf
  • Q4 FY2026 Earnings Call Transcript (Mar 2026, PDF): https://www.stockscans.in/document/txtxa9kifd8kz7749nxsu5oc.pdf
  • Q3 FY2026 Earnings Call Transcript (Dec 2025, PDF): https://www.stockscans.in/document/zwfex9q6bg6gw5inij6zovnf.pdf
  • Q2 FY2026 Earnings Call Transcript (Sep 2025, PDF): https://www.stockscans.in/document/g3ln1g770r4y1qtwtk9ghqgw.pdf
  • Q1 FY2026 Earnings Call Transcript (Jun 2025, PDF): https://www.stockscans.in/document/d828pddw9xq9gzl9g3kz9r2f.pdf
  • Q4 FY2025 Earnings Call Transcript (Mar 2025, PDF): https://www.stockscans.in/document/rq94w4l894yznvgr2afkg7ci.pdf
  • Q3 FY2025 Earnings Call Transcript (Dec 2024, PDF): https://www.stockscans.in/document/5lm8mc0hfjg4suk2l12b7hnn.pdf
  • Q2 FY2025 Earnings Call Transcript (Sep 2024, PDF): https://www.stockscans.in/document/vf68opaluny613hjrcgq2wrv.pdf
  • Q1 FY2027 Quarterly Result (Jun 2026, PDF): https://www.stockscans.in/document/6jg74xx0jemlob7y9pdpavh5.pdf
  • Q4 FY2026 Quarterly Result (Mar 2026, PDF): https://www.stockscans.in/document/5enok2io7zzdqkqa53crgqyk.pdf
  • Q3 FY2026 Quarterly Result (Dec 2025, PDF): https://www.stockscans.in/document/h16urcb7ekprxwh5u9q6fuex.pdf
  • Q2 FY2026 Quarterly Result (Sep 2025, PDF): https://www.stockscans.in/document/p13uflwor1n4490aubvrtv97.pdf
  • Q1 FY2026 Quarterly Result (Jun 2025, PDF): https://www.stockscans.in/document/cr2a39fto4ucht2hk2b9w2eq.pdf
  • Q4 FY2025 Quarterly Result (Mar 2025, PDF): https://www.stockscans.in/document/y7tecfsk63zel90ppggq882w.pdf
  • Q3 FY2025 Quarterly Result (Dec 2024, PDF): https://www.stockscans.in/document/0pb5dl7d33u2ikdfz6p8ss2g.pdf
  • Q2 FY2025 Quarterly Result (Sep 2024, PDF): https://www.stockscans.in/document/rg3ccllidnxvz7s469bs6obz.pdf
  • Q1 FY2027 Investor Presentation (Jun 2026, PDF): https://www.stockscans.in/document/8xat20xy1o8gt5fytspdg4xr.pdf
  • Q4 FY2026 Investor Presentation (Mar 2026, PDF): https://www.stockscans.in/document/4dvzpxpgrrknsmy7y2mcxs5a.pdf
  • Q3 FY2026 Investor Presentation (Dec 2025, PDF): https://www.stockscans.in/document/m46efbnkyv5w7et61wgvkjv7.pdf
  • Q2 FY2026 Investor Presentation (Sep 2025, PDF): https://www.stockscans.in/document/zd0t660eap1rop9bzbuhpv3w.pdf
  • Q1 FY2026 Investor Presentation (Jun 2025, PDF): https://www.stockscans.in/document/5dent5ntttfwbbijmdk078d1.pdf
  • Q4 FY2025 Investor Presentation (Mar 2025, PDF): https://www.stockscans.in/document/o873iz1be691yyw79bnoemda.pdf
  • Q3 FY2025 Investor Presentation (Dec 2024, PDF): https://www.stockscans.in/document/yyjlp21djl97zcbp3915pge0.pdf
  • Q2 FY2025 Investor Presentation (Sep 2024, PDF): https://www.stockscans.in/document/py759psagapfdf9plziaq38k.pdf
  • FY2026 Annual Report (PDF): https://www.stockscans.in/document/nu1wma4nhe7zcmapxcj1ushe.pdf
  • FY2024 Annual Report (PDF): https://www.stockscans.in/document/zfvh2qt5dzybryh1va0tswjz.pdf
  • FY2023 Annual Report (PDF): https://www.stockscans.in/document/xfa0hhg5cmerf7oisw3i73pv.pdf
  • FY2022 Annual Report (PDF): https://www.stockscans.in/document/gs3x6ctk1kr3j75a0evp3d9a.pdf

Concall Transcript Summaries — Fino Payments Bank Ltd

  • Q1 FY2027 Concall Transcript Summary (Jun 2026): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202606/n7lhhwwhfvj0kbv9hqf0qnub.pdf
  • Q4 FY2026 Concall Transcript Summary (Mar 2026): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202603/txtxa9kifd8kz7749nxsu5oc.pdf
  • Q3 FY2026 Concall Transcript Summary (Dec 2025): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202512/zwfex9q6bg6gw5inij6zovnf.pdf
  • Q2 FY2026 Concall Transcript Summary (Sep 2025): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202509/g3ln1g770r4y1qtwtk9ghqgw.pdf
  • Q1 FY2026 Concall Transcript Summary (Jun 2025): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202506/d828pddw9xq9gzl9g3kz9r2f.pdf
  • Q4 FY2025 Concall Transcript Summary (Mar 2025): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202503/rq94w4l894yznvgr2afkg7ci.pdf
  • Q3 FY2025 Concall Transcript Summary (Dec 2024): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202412/5lm8mc0hfjg4suk2l12b7hnn.pdf
  • Q2 FY2025 Concall Transcript Summary (Sep 2024): https://www.stockscans.in/company/NSE%3AFINOPB/transcript-notes/202409/vf68opaluny613hjrcgq2wrv.pdf

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