Share Price and Basic Stock Data
Last Updated: January 16, 2026, 1:25 pm
| PEG Ratio | 1.81 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Fino Payments Bank Ltd operates in the private sector banking industry, focusing on providing a variety of financial services. The company’s share price stood at ₹241, with a market capitalization of ₹2,008 Cr. Revenue growth has been notable, rising from ₹21 Cr in September 2022 to ₹37 Cr by September 2023, and is projected to reach ₹48 Cr by September 2024. The trailing twelve months (TTM) revenue reached ₹223 Cr, reflecting a significant increase from ₹95 Cr reported in FY 2023. This growth trajectory is underpinned by the bank’s strategic initiatives to expand its customer base and enhance service offerings, positioning it competitively within the sector. Moreover, the bank’s interest income has also increased, from ₹12 Cr in September 2022 to ₹19 Cr in September 2023, indicating a strengthening of its financial products. Overall, these trends signal a robust operational performance, with Fino Payments Bank capitalizing on the growing demand for digital financial services in India.
Profitability and Efficiency Metrics
Fino Payments Bank’s profitability metrics present a mixed picture amid its growth trajectory. The company reported a net profit of ₹80 Cr, with a net profit margin of 47.39% as of March 2025, showcasing strong operational efficiency. However, the financing profit remains negative, recorded at ₹-1,481 Cr for FY 2025, reflecting ongoing challenges in managing interest expenses against revenue. The financing margin stood at -759%, indicating that the bank’s cost of funds is significantly impacting its profitability. Return on equity (ROE) was reported at 13.3%, while return on capital employed (ROCE) at 6.64%, suggesting that while the bank is generating returns, there is room for improvement in capital utilization. Furthermore, the cost-to-income ratio of 93.79% indicates that a high proportion of income is consumed by operational costs, highlighting the need for efficiency improvements in the bank’s operations to enhance profitability.
Balance Sheet Strength and Financial Ratios
Fino Payments Bank’s balance sheet reflects a growing asset base, with total assets reported at ₹4,324 Cr as of September 2025, up from ₹2,466 Cr in FY 2023. The bank’s reserves also increased to ₹670 Cr, supporting its capital position. The equity capital remained stable at ₹83 Cr, while borrowings rose to ₹865 Cr, indicating a reliance on debt financing to support growth. Notably, the bank’s book value per share stood at ₹89.75, reflecting an increase compared to previous years, which enhances shareholder value. The price-to-book value ratio of 2.54 suggests a premium valuation compared to typical sector averages, which can indicate market confidence in the bank’s growth prospects. However, the negative financing profit and high cost-to-income ratio may pose risks to financial stability, necessitating careful management of operational costs and interest expenses to maintain a healthy balance sheet.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fino Payments Bank indicates a strong promoter presence, with promoters holding 75% of the equity. This concentrated ownership can be a double-edged sword; while it reflects confidence from the founders, it may also raise concerns about minority shareholder rights. Foreign institutional investors (FIIs) have seen a decline in their stake from 7.67% in December 2022 to 2.67% by September 2025, which may suggest waning interest from international markets. Conversely, domestic institutional investors (DIIs) maintained a stable presence around 3.35%, while the public shareholding increased to 19%, indicating a growing retail interest. The total number of shareholders has decreased to 61,622, which might indicate consolidation or a shift in investor sentiment. This pattern highlights a complex landscape of investor confidence, where strong promoter backing contrasts with declining foreign interest, necessitating effective communication and transparency from the bank to enhance overall market sentiment.
Outlook, Risks, and Final Insight
Fino Payments Bank’s outlook is shaped by its strong revenue growth and improving operational metrics; however, several risks remain. The persistent negative financing profit poses a significant challenge, as it suggests difficulties in managing funding costs effectively. Additionally, the high cost-to-income ratio indicates inefficiencies that could hinder profitability in the long term. On the positive side, the bank’s increasing reserves and assets provide a foundation for future growth, while the stable promoter ownership can foster strategic decision-making. To navigate these challenges, Fino Payments Bank should focus on enhancing operational efficiencies and optimizing its funding strategy. As the digital banking landscape evolves, the bank’s ability to adapt to market changes and consumer preferences will be critical. Overall, the bank’s performance hinges on its strategic initiatives to balance growth with financial prudence, ensuring sustained investor confidence and market competitiveness.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,939 Cr. | 233 | 339/180 | 24.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,397 Cr. | 27.1 | 38.9/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,191 Cr. | 262 | 331/249 | 8.82 | 307 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 74,054 Cr. | 23.6 | 24.3/16.0 | 26.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,700 Cr. | 60.4 | 60.8/30.8 | 28.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,093.17 Cr | 351.97 | 18.75 | 212.21 | 0.60% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21 | 25 | 29 | 33 | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 | 60 |
| Interest | 12 | 14 | 14 | 15 | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 | 28 |
| Expenses | 278 | 281 | 287 | 314 | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 | 351 |
| Financing Profit | -268 | -270 | -272 | -297 | -303 | -308 | -335 | -367 | -382 | -384 | -411 | -368 | -319 |
| Financing Margin % | -1,249% | -1,067% | -925% | -900% | -828% | -787% | -808% | -810% | -799% | -777% | -779% | -603% | -530% |
| Other Income | 282 | 289 | 294 | 315 | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 | 340 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 14 | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 18% | 19% | 19% | 28% | 28% |
| Net Profit | 14 | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 |
| EPS in Rs | 1.66 | 2.30 | 2.65 | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 8, 2026, 12:06 pm
Below is a detailed analysis of the quarterly data for Fino Payments Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 28.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 28.00 Cr..
- For Expenses, as of Sep 2025, the value is 351.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 400.00 Cr. (Jun 2025) to 351.00 Cr., marking a decrease of 49.00 Cr..
- For Other Income, as of Sep 2025, the value is 340.00 Cr.. The value appears to be declining and may need further review. It has decreased from 392.00 Cr. (Jun 2025) to 340.00 Cr., marking a decrease of 52.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 21.00 Cr.. The value appears to be declining and may need further review. It has decreased from 25.00 Cr. (Jun 2025) to 21.00 Cr., marking a decrease of 4.00 Cr..
- For Tax %, as of Sep 2025, the value is 28.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 28.00%.
- For Net Profit, as of Sep 2025, the value is 15.00 Cr.. The value appears to be declining and may need further review. It has decreased from 18.00 Cr. (Jun 2025) to 15.00 Cr., marking a decrease of 3.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.84. The value appears to be declining and may need further review. It has decreased from 2.13 (Jun 2025) to 1.84, marking a decrease of 0.29.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:44 am
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16 | 19 | 18 | 20 | 36 | 95 | 150 | 195 | 223 |
| Interest | 3 | 6 | 10 | 10 | 15 | 47 | 79 | 101 | 108 |
| Expenses | 279 | 410 | 690 | 707 | 915 | 1,076 | 1,260 | 1,576 | 1,597 |
| Financing Profit | -266 | -396 | -682 | -697 | -895 | -1,028 | -1,189 | -1,481 | -1,481 |
| Financing Margin % | -1,716% | -2,068% | -3,760% | -3,441% | -2,512% | -1,084% | -792% | -759% | -664% |
| Other Income | 215 | 352 | 673 | 771 | 973 | 1,135 | 1,328 | 1,652 | 1,585 |
| Depreciation | 16 | 18 | 24 | 54 | 35 | 42 | 53 | 62 | 0 |
| Profit before tax | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 104 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 15% | |
| Net Profit | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 80 |
| EPS in Rs | -15.11 | -13.99 | -7.19 | 4.59 | 5.14 | 7.82 | 10.36 | 11.12 | 9.63 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 7.46% | 48.39% | 162.50% | 115.00% | 51.16% | 32.31% | 8.14% |
| Change in YoY Net Profit Growth (%) | 0.00% | 40.92% | 114.11% | -47.50% | -63.84% | -18.86% | -24.17% |
Fino Payments Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 61% |
| 3 Years: | 76% |
| TTM: | 30% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 37% |
| 3 Years: | 29% |
| TTM: | -6% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 0% |
| 1 Year: | -40% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 13% |
| Last Year: | 13% |
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: December 4, 2025, 2:52 am
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 45 | 45 | 45 | 45 | 83 | 83 | 83 | 83 | 83 |
| Reserves | 180 | 118 | 85 | 106 | 397 | 469 | 560 | 664 | 670 |
| Deposits | 39 | 48 | 118 | 243 | 503 | 917 | 1,413 | 1,939 | 2,091 |
| Borrowing | 48 | 83 | 111 | 181 | 250 | 434 | 713 | 839 | 865 |
| Other Liabilities | 226 | 392 | 266 | 436 | 448 | 563 | 651 | 680 | 615 |
| Total Liabilities | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 4,324 |
| Fixed Assets | 46 | 42 | 49 | 62 | 92 | 139 | 148 | 167 | 332 |
| CWIP | 1 | 0 | 0 | 2 | 0 | 5 | 47 | 130 | 0 |
| Investments | 64 | 73 | 128 | 504 | 631 | 1,146 | 1,747 | 2,388 | 2,374 |
| Other Assets | 427 | 569 | 446 | 443 | 956 | 1,175 | 1,477 | 1,520 | 1,618 |
| Total Assets | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 4,324 |
Below is a detailed analysis of the balance sheet data for Fino Payments Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 83.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 83.00 Cr..
- For Reserves, as of Sep 2025, the value is 670.00 Cr.. The value appears strong and on an upward trend. It has increased from 664.00 Cr. (Mar 2025) to 670.00 Cr., marking an increase of 6.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 615.00 Cr.. The value appears to be improving (decreasing). It has decreased from 680.00 Cr. (Mar 2025) to 615.00 Cr., marking a decrease of 65.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 4,324.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,206.00 Cr. (Mar 2025) to 4,324.00 Cr., marking an increase of 118.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 332.00 Cr.. The value appears strong and on an upward trend. It has increased from 167.00 Cr. (Mar 2025) to 332.00 Cr., marking an increase of 165.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 130.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 130.00 Cr..
- For Investments, as of Sep 2025, the value is 2,374.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,388.00 Cr. (Mar 2025) to 2,374.00 Cr., marking a decrease of 14.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,618.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,520.00 Cr. (Mar 2025) to 1,618.00 Cr., marking an increase of 98.00 Cr..
- For Total Assets, as of Sep 2025, the value is 4,324.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,206.00 Cr. (Mar 2025) to 4,324.00 Cr., marking an increase of 118.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 240.00 | 362.00 | 572.00 | 464.00 | 412.00 | -916.00 | 0.00 | 0.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE % | -32% | -22% | 15% | 14% | 13% | 14% | 13% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Mirae Asset Banking and Financial Services Fund | 798,636 | 1.06 | 22.61 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 11.12 | 10.36 | 7.82 | 5.34 | 4.59 |
| Diluted EPS (Rs.) | 11.08 | 10.36 | 7.82 | 5.34 | 4.59 |
| Cash EPS (Rs.) | 18.59 | 16.78 | 12.85 | 9.40 | 16.61 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 89.75 | 77.29 | 66.40 | 57.66 | 33.77 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 89.75 | 77.29 | 66.40 | 57.66 | 33.77 |
| Operating Revenue / Share (Rs.) | 23.46 | 18.03 | 11.40 | 4.28 | 4.54 |
| Net Profit / Share (Rs.) | 11.12 | 10.36 | 7.82 | 5.14 | 4.59 |
| Interest Income / Employee (Rs.) | 705057.42 | 559455.63 | 330770.22 | 123152.09 | 0.00 |
| Net Profit / Employee (Rs.) | 334180.93 | 321491.42 | 226942.12 | 147738.68 | 0.00 |
| Business / Employee (Rs.) | 7004711.81 | 5266998.14 | 3198269.87 | 1731531.28 | 0.00 |
| Interest Income / Branch (Rs.) | 25354597.40 | 19486493.51 | 12320116.88 | 8482833.33 | 0.00 |
| Net Profit / Branches (Rs.) | 12017493.51 | 11197922.08 | 8452857.14 | 10176380.95 | 0.00 |
| Business / Branches (Rs.) | 251896714.29 | 183455701.30 | 119125168.83 | 119269523.81 | 0.00 |
| Net Profit Margin (%) | 47.39 | 57.46 | 68.61 | 119.96 | 101.08 |
| Operating Profit Margin (%) | 5.29 | 6.16 | 5.50 | 4.30 | 2.61 |
| Return On Assets (%) | 2.20 | 2.52 | 2.63 | 2.54 | 2.02 |
| Return On Equity / Networth (%) | 12.38 | 13.40 | 11.77 | 8.90 | 13.59 |
| Net Interest Margin (X) | 2.25 | 2.08 | 1.92 | 1.20 | 1.06 |
| Cost To Income (%) | 93.79 | 93.79 | 94.49 | 95.69 | 96.86 |
| Interest Income / Total Assets (%) | 4.64 | 4.38 | 3.84 | 2.12 | 2.00 |
| Non-Interest Income / Total Assets (%) | 39.27 | 38.85 | 46.02 | 57.93 | 76.29 |
| Operating Profit / Total Assets (%) | -37.07 | -36.32 | -43.38 | -55.38 | -74.26 |
| Operating Expenses / Total Assets (%) | 38.94 | 38.39 | 45.30 | 56.59 | 74.92 |
| Interest Expenses / Total Assets (%) | 2.39 | 2.30 | 1.92 | 0.91 | 0.94 |
| Enterprise Value (Rs.Cr.) | 4494.66 | 4148.16 | 2826.76 | 2611.84 | 0.00 |
| EV Per Net Sales (X) | 23.02 | 27.65 | 29.80 | 73.31 | 0.00 |
| Price To Book Value (X) | 2.54 | 3.64 | 3.07 | 4.35 | 0.00 |
| Price To Sales (X) | 9.72 | 15.60 | 17.87 | 58.54 | 0.00 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.04 | 0.03 | 0.03 | 0.02 | 0.00 |
After reviewing the key financial ratios for Fino Payments Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 11.12. This value is within the healthy range. It has increased from 10.36 (Mar 24) to 11.12, marking an increase of 0.76.
- For Diluted EPS (Rs.), as of Mar 25, the value is 11.08. This value is within the healthy range. It has increased from 10.36 (Mar 24) to 11.08, marking an increase of 0.72.
- For Cash EPS (Rs.), as of Mar 25, the value is 18.59. This value is within the healthy range. It has increased from 16.78 (Mar 24) to 18.59, marking an increase of 1.81.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 89.75. It has increased from 77.29 (Mar 24) to 89.75, marking an increase of 12.46.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 89.75. It has increased from 77.29 (Mar 24) to 89.75, marking an increase of 12.46.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 11.12. This value is within the healthy range. It has increased from 10.36 (Mar 24) to 11.12, marking an increase of 0.76.
- For Net Profit Margin (%), as of Mar 25, the value is 47.39. This value exceeds the healthy maximum of 10. It has decreased from 57.46 (Mar 24) to 47.39, marking a decrease of 10.07.
- For Return On Assets (%), as of Mar 25, the value is 2.20. This value is below the healthy minimum of 5. It has decreased from 2.52 (Mar 24) to 2.20, marking a decrease of 0.32.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Fino Payments Bank Ltd:
- Net Profit Margin: 47.39%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 24.2 (Industry average Stock P/E: 18.75)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 47.39%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Mindspace Juinagar, 8th Floor, New Mumbai Maharashtra 400706 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Rajat Kumar Jain | Part Time Chairman & Independent Director |
| Mr. Rishi Gupta | Managing Director & CEO |
| Mrs. Anita Sudhir Pai | Independent Director |
| Mrs. Deena Asit Mehta | Independent Director |
| Mr. Rakesh Bhartia | Independent Director |
| Mrs. Neeta Mukerji | Independent Director |
| Mr. Prateek Roongta | Nominee Director |
| Mr. Pankaj Kumar | Nominee Director |
FAQ
What is the intrinsic value of Fino Payments Bank Ltd?
Fino Payments Bank Ltd's intrinsic value (as of 16 January 2026) is ₹237.69 which is 2.01% higher the current market price of ₹233.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,939 Cr. market cap, FY2025-2026 high/low of ₹339/180, reserves of ₹670 Cr, and liabilities of ₹4,324 Cr.
What is the Market Cap of Fino Payments Bank Ltd?
The Market Cap of Fino Payments Bank Ltd is 1,939 Cr..
What is the current Stock Price of Fino Payments Bank Ltd as on 16 January 2026?
The current stock price of Fino Payments Bank Ltd as on 16 January 2026 is ₹233.
What is the High / Low of Fino Payments Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Fino Payments Bank Ltd stocks is ₹339/180.
What is the Stock P/E of Fino Payments Bank Ltd?
The Stock P/E of Fino Payments Bank Ltd is 24.2.
What is the Book Value of Fino Payments Bank Ltd?
The Book Value of Fino Payments Bank Ltd is 90.5.
What is the Dividend Yield of Fino Payments Bank Ltd?
The Dividend Yield of Fino Payments Bank Ltd is 0.00 %.
What is the ROCE of Fino Payments Bank Ltd?
The ROCE of Fino Payments Bank Ltd is 6.64 %.
What is the ROE of Fino Payments Bank Ltd?
The ROE of Fino Payments Bank Ltd is 13.3 %.
What is the Face Value of Fino Payments Bank Ltd?
The Face Value of Fino Payments Bank Ltd is 10.0.