Share Price and Basic Stock Data
Last Updated: October 27, 2025, 9:28 pm
| PEG Ratio | 2.05 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Fino Payments Bank Ltd, operating in the private sector banking industry, reported a share price of ₹314 and a market capitalization of ₹2,609 Cr. The company has shown a consistent upward trajectory in revenue, rising from ₹19 Cr in June 2022 to ₹37 Cr in September 2023, with a notable increase to ₹95 Cr in the fiscal year ending March 2023. This growth trend is expected to continue, as revenue is set to reach ₹150 Cr in March 2024 and ₹195 Cr in March 2025. Additionally, the bank’s interest income has also followed a similar pattern, climbing from ₹8 Cr in June 2022 to ₹19 Cr in September 2023. However, expenses have risen significantly, standing at ₹1,076 Cr for the fiscal year 2023, projected to escalate to ₹1,576 Cr by March 2025. This disparity between revenue growth and expense escalation highlights a critical area for management focus, as profitability remains a challenge amidst increasing operational costs.
Profitability and Efficiency Metrics
Fino Payments Bank’s profitability metrics reveal a mixed performance. The net profit for the fiscal year ending March 2023 stood at ₹65 Cr with an EPS of ₹7.82, which improved to ₹93 Cr in March 2025 with an EPS of ₹11.12. However, the bank has reported a negative financing profit consistently, with figures of -₹1,028 Cr in March 2023 and deteriorating to -₹1,481 Cr in March 2025. The financing margin has shown similar trends, remaining negative at -1,084% in March 2023 and projected to be -759% in March 2025. The return on equity (ROE) for the bank was reported at 13.3% in the latest quarter, which is commendable but slightly below the typical range for robust private sector banks. Additionally, the operating profit margin (OPM) is not disclosed, indicating a lack of transparency in operational efficiency. Hence, while the bank has made strides in profitability, the sustained negative financing profit poses risks to long-term financial health.
Balance Sheet Strength and Financial Ratios
The balance sheet of Fino Payments Bank reflects a growing asset base, with total assets increasing from ₹1,680 Cr in March 2022 to ₹4,206 Cr by March 2025. The bank’s reserves have also strengthened, rising from ₹397 Cr to ₹664 Cr over the same period. The debt levels are relatively contained, with borrowings noted at ₹839 Cr in March 2025. However, the bank’s cost-to-income ratio stands at 89.54%, indicating a high level of operational expenses relative to income, which is a concern compared to the sector norm. The price-to-book value ratio of 2.54x suggests that the stock is trading at a premium to its book value, but this should be monitored as it could indicate overvaluation if not supported by sustainable earnings growth. The liquidity position is underscored by the absence of any reported borrowings, which could present a challenge if the bank seeks to leverage debt for growth. Overall, while the balance sheet shows strength, the high cost-to-income ratio and rising operational expenses warrant attention.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fino Payments Bank reveals a strong promoter backing, with promoters holding 75% of the equity. Foreign Institutional Investors (FIIs) have reduced their stake from 9.26% in September 2022 to 2.54% by June 2025, indicating a decline in foreign investor confidence. Domestic Institutional Investors (DIIs) have also decreased their stake from 7.84% to 3.04% over the same period. Conversely, public shareholding has increased from 7.91% to 19.43%, reflecting growing retail interest. The total number of shareholders has decreased from 83,367 in September 2022 to 63,093 in June 2025, which could suggest consolidation among existing shareholders or a lack of new investor interest. This shift in shareholding dynamics may impact the bank’s stock liquidity and market perception, as declining institutional interest often raises concerns regarding future growth prospects and corporate governance.
Outlook, Risks, and Final Insight
If margins sustain and operational efficiencies improve, Fino Payments Bank could leverage its growing asset base to enhance profitability. The consistent upward trend in revenue and net profit provides a foundation for future growth, but risks remain due to the persistent negative financing profit and high operating costs. The reliance on promoter holdings may ensure stability, but the significant drop in institutional investment raises concerns about market sentiment. Additionally, the bank’s ability to manage expenses effectively will be crucial in maintaining its competitive edge. If the cost-to-income ratio can be reduced and financing profitability turns positive, Fino Payments Bank has the potential to become a more attractive investment, aligning with the expectations of both retail and institutional investors. The management’s focus on operational efficiency and strategic growth initiatives will be vital in navigating the challenges ahead.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Fino Payments Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,639 Cr. | 318 | 396/180 | 30.7 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,522 Cr. | 29.5 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,294 Cr. | 285 | 331/250 | 9.68 | 304 | 1.40 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,409 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,470 Cr. | 54.0 | 54.4/30.8 | 25.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,023.22 Cr | 414.91 | 17.95 | 238.44 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19 | 21 | 25 | 29 | 33 | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 |
| Interest | 8 | 12 | 14 | 14 | 15 | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 |
| Expenses | 271 | 278 | 281 | 287 | 314 | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 |
| Financing Profit | -260 | -268 | -270 | -272 | -297 | -303 | -308 | -335 | -367 | -382 | -384 | -411 | -368 |
| Financing Margin % | -1,389% | -1,249% | -1,067% | -925% | -900% | -828% | -787% | -808% | -810% | -799% | -777% | -779% | -603% |
| Other Income | 270 | 282 | 289 | 294 | 315 | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 10 | 14 | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 18% | 19% | 19% | 28% |
| Net Profit | 10 | 14 | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 |
| EPS in Rs | 1.21 | 1.66 | 2.30 | 2.65 | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 19, 2025, 3:40 pm
Below is a detailed analysis of the quarterly data for Fino Payments Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 28.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26.00 Cr. (Mar 2025) to 28.00 Cr., marking an increase of 2.00 Cr..
- For Expenses, as of Jun 2025, the value is 400.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 438.00 Cr. (Mar 2025) to 400.00 Cr., marking a decrease of 38.00 Cr..
- For Other Income, as of Jun 2025, the value is 392.00 Cr.. The value appears to be declining and may need further review. It has decreased from 441.00 Cr. (Mar 2025) to 392.00 Cr., marking a decrease of 49.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 25.00 Cr.. The value appears to be declining and may need further review. It has decreased from 30.00 Cr. (Mar 2025) to 25.00 Cr., marking a decrease of 5.00 Cr..
- For Tax %, as of Jun 2025, the value is 28.00%. The value appears to be increasing, which may not be favorable. It has increased from 19.00% (Mar 2025) to 28.00%, marking an increase of 9.00%.
- For Net Profit, as of Jun 2025, the value is 18.00 Cr.. The value appears to be declining and may need further review. It has decreased from 24.00 Cr. (Mar 2025) to 18.00 Cr., marking a decrease of 6.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.13. The value appears to be declining and may need further review. It has decreased from 2.88 (Mar 2025) to 2.13, marking a decrease of 0.75.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:21 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 | 211 |
| Interest | 3 | 6 | 10 | 10 | 15 | 47 | 79 | 101 | 105 |
| Expenses | 279 | 410 | 690 | 707 | 915 | 1,076 | 1,260 | 1,576 | 1,650 |
| Financing Profit | -266 | -396 | -682 | -697 | -895 | -1,028 | -1,189 | -1,481 | -1,544 |
| Financing Margin % | -1,716% | -2,068% | -3,760% | -3,441% | -2,512% | -1,084% | -792% | -759% | -732% |
| Other Income | 215 | 352 | 673 | 771 | 973 | 1,135 | 1,328 | 1,652 | 1,653 |
| Depreciation | 16 | 18 | 24 | 54 | 35 | 42 | 53 | 62 | 0 |
| Profit before tax | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 109 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 15% | |
| Net Profit | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 86 |
| EPS in Rs | -15.11 | -13.99 | -7.19 | 4.59 | 5.14 | 7.82 | 10.36 | 11.12 | 10.33 |
| 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: August 11, 2025, 3:57 pm
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 45 | 45 | 45 | 45 | 83 | 83 | 83 | 83 |
| Reserves | 180 | 118 | 85 | 106 | 397 | 469 | 560 | 664 |
| Deposits | 39 | 48 | 118 | 243 | 503 | 917 | 1,413 | 1,939 |
| Borrowing | 48 | 83 | 111 | 181 | 250 | 434 | 713 | 839 |
| Other Liabilities | 226 | 392 | 266 | 436 | 448 | 563 | 651 | 680 |
| Total Liabilities | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 |
| Fixed Assets | 46 | 42 | 49 | 62 | 92 | 139 | 148 | 167 |
| CWIP | 1 | 0 | 0 | 2 | 0 | 5 | 47 | 130 |
| Investments | 64 | 73 | 128 | 504 | 631 | 1,146 | 1,747 | 2,388 |
| Other Assets | 427 | 569 | 446 | 443 | 956 | 1,175 | 1,477 | 1,520 |
| Total Assets | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 |
Below is a detailed analysis of the balance sheet data for Fino Payments Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 83.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 83.00 Cr..
- For Reserves, as of Mar 2025, the value is 664.00 Cr.. The value appears strong and on an upward trend. It has increased from 560.00 Cr. (Mar 2024) to 664.00 Cr., marking an increase of 104.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 680.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 651.00 Cr. (Mar 2024) to 680.00 Cr., marking an increase of 29.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 4,206.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,419.00 Cr. (Mar 2024) to 4,206.00 Cr., marking an increase of 787.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 167.00 Cr.. The value appears strong and on an upward trend. It has increased from 148.00 Cr. (Mar 2024) to 167.00 Cr., marking an increase of 19.00 Cr..
- For CWIP, as of Mar 2025, the value is 130.00 Cr.. The value appears strong and on an upward trend. It has increased from 47.00 Cr. (Mar 2024) to 130.00 Cr., marking an increase of 83.00 Cr..
- For Investments, as of Mar 2025, the value is 2,388.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,747.00 Cr. (Mar 2024) to 2,388.00 Cr., marking an increase of 641.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1,520.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,477.00 Cr. (Mar 2024) to 1,520.00 Cr., marking an increase of 43.00 Cr..
- For Total Assets, as of Mar 2025, the value is 4,206.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,419.00 Cr. (Mar 2024) to 4,206.00 Cr., marking an increase of 787.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| Motilal Oswal Balance Advantage Fund | 2,262,066 | 5.41 | 66.4 | 2,262,066 | 2025-04-22 17:25:12 | 0% |
| Motilal Oswal Focused Fund | 1,657,194 | 2.47 | 48.65 | 1,657,194 | 2025-04-22 17:25:12 | 0% |
| Tata Banking and Financial Services Fund | 543,000 | 0.72 | 15.94 | 543,000 | 2025-04-22 17:25:12 | 0% |
| Motilal Oswal Equity Hybrid Fund | 344,353 | 2.15 | 8.99 | 344,353 | 2025-04-22 17:25:12 | 0% |
| Motilal Oswal Multi Asset Fund | 207,622 | 5.99 | 6.09 | 207,622 | 2025-04-22 17:25:12 | 0% |
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
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: 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: 30.7 (Industry average Stock P/E: 17.95)
- 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 | cs@finobank.com http://www.finobank.com |
| 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 27 October 2025) is 299.20 which is 5.91% lower the current market price of 318.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,639 Cr. market cap, FY2025-2026 high/low of 396/180, reserves of ₹664 Cr, and liabilities of 4,206 Cr.
What is the Market Cap of Fino Payments Bank Ltd?
The Market Cap of Fino Payments Bank Ltd is 2,639 Cr..
What is the current Stock Price of Fino Payments Bank Ltd as on 27 October 2025?
The current stock price of Fino Payments Bank Ltd as on 27 October 2025 is 318.
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 396/180.
What is the Stock P/E of Fino Payments Bank Ltd?
The Stock P/E of Fino Payments Bank Ltd is 30.7.
What is the Book Value of Fino Payments Bank Ltd?
The Book Value of Fino Payments Bank Ltd is 89.8.
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.