Below is a detailed analysis of the quarterly data for Fino Payments Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
For Interest, as of Mar 2025, the value is 26.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 26.00 Cr..
For Expenses, as of Mar 2025, the value is 438.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 407.00 Cr. (Dec 2024) to 438.00 Cr., marking an increase of 31.00 Cr..
For Other Income, as of Mar 2025, the value is 441.00 Cr.. The value appears strong and on an upward trend. It has increased from 412.00 Cr. (Dec 2024) to 441.00 Cr., marking an increase of 29.00 Cr..
For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2025, the value is 30.00 Cr.. The value appears strong and on an upward trend. It has increased from 28.00 Cr. (Dec 2024) to 30.00 Cr., marking an increase of 2.00 Cr..
For Tax %, as of Mar 2025, the value is 19.00%. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 19.00%.
For Net Profit, as of Mar 2025, the value is 24.00 Cr.. The value appears strong and on an upward trend. It has increased from 23.00 Cr. (Dec 2024) to 24.00 Cr., marking an increase of 1.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 2.88. The value appears strong and on an upward trend. It has increased from 2.78 (Dec 2024) to 2.88, marking an increase of 0.10.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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Quarterly Chart
Profit & Loss - Annual Report
Last Updated: May 15, 2025, 3:33 am
Metric
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Revenue
16
19
18
20
36
95
150
195
Interest
3
6
10
10
15
47
79
101
Expenses
279
410
690
707
915
1,076
1,260
1,638
Financing Profit
-266
-396
-682
-697
-895
-1,028
-1,189
-1,544
Financing Margin %
-1,716%
-2,068%
-3,760%
-3,441%
-2,512%
-1,084%
-792%
-791%
Other Income
215
352
673
771
973
1,135
1,328
1,652
Depreciation
16
18
24
54
35
42
53
0
Profit before tax
-67
-62
-32
20
43
65
86
108
Tax %
0%
0%
0%
0%
0%
0%
0%
15%
Net Profit
-67
-62
-32
20
43
65
86
93
EPS in Rs
-15.11
-13.99
-7.19
4.59
5.14
7.82
10.36
11.12
Dividend Payout %
0%
0%
0%
0%
0%
0%
0%
0%
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Profit & Loss Yearly Chart
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:
7%
Stock Price CAGR
10 Years:
%
5 Years:
%
3 Years:
6%
1 Year:
-2%
Return on Equity
10 Years:
%
5 Years:
14%
3 Years:
14%
Last Year:
14%
Last Updated: Unknown
No data available for the Balance Sheet data table.
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 11.12. This value is within the healthy range. It has decreased from 16.78 (Mar 24) to 11.12, marking a decrease of 5.66.
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 2.19. This value is below the healthy minimum of 5. It has decreased from 2.52 (Mar 24) to 2.19, marking a decrease of 0.33.
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.
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Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Fair Value
Fair Value of Fino Payments Bank Ltd as of June 29, 2025 is: 242.58
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of June 29, 2025, Fino Payments Bank Ltd is Overvalued by 13.98% compared to the current share price 282.00
Intrinsic Value of Fino Payments Bank Ltd as of June 29, 2025 is: 289.54
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of June 29, 2025, Fino Payments Bank Ltd is Undervalued by 2.67% compared to the current share price 282.00
Last 5 Year EPS CAGR: 19.36%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
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: 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 (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: 11.25%)
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: 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: 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: 25.3 (Industry average Stock P/E: 18.05)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Fino Payments Bank Ltd. is a Public Limited Listed company incorporated on 23/06/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65100MH2007PLC171959 and registration number is 171959. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 195.23 Cr. and Equity Capital is Rs. 83.22 Cr. for the Year ended 31/03/2025.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
Mindspace Juinagar, 8th Floor, Plot No. Gen 2/1/F, Tower 1, New Mumbai Maharashtra 400706
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Fino Payments Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
