Share Price and Basic Stock Data
Last Updated: December 6, 2025, 11:24 pm
| PEG Ratio | 2.18 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Fino Payments Bank Ltd has been navigating the dynamic landscape of India’s financial services sector with notable agility. As of March 2025, the company reported a revenue of ₹195 Cr, a significant increase from ₹95 Cr in the previous fiscal year. This growth trajectory is evident in the quarterly figures, with revenues rising steadily from ₹29 Cr in March 2023 to ₹41 Cr by March 2024. The latest quarterly report for September 2023 shows a revenue of ₹37 Cr, suggesting a consistent upward trend. The bank’s focus on digital payments and financial inclusion aligns well with the increasing demand for accessible banking solutions, especially in semi-urban and rural areas. However, it’s crucial to note that the growth in revenue has been accompanied by rising expenses, which stood at ₹1,576 Cr in FY 2025, indicating a need for careful management of operational costs to sustain profitability.
Profitability and Efficiency Metrics
Despite the rising revenues, Fino Payments Bank’s profitability metrics reveal a complex picture. The net profit for FY 2025 was recorded at ₹93 Cr, a commendable uptick from ₹65 Cr in FY 2023. However, the bank’s financing profit remains deeply negative, standing at -₹1,481 Cr for FY 2025. This situation reflects the ongoing challenges in achieving a sustainable interest margin, which is crucial for banking operations. The return on equity (ROE) has shown resilience, reported at 13% for FY 2025, yet it’s worth noting that this figure has fluctuated in the past, reaching a high of 15% in FY 2021. The cost-to-income ratio, at 93.79% in FY 2025, suggests that the bank is operating with a high level of efficiency, but it also raises concerns about the sustainability of profit margins if expenses continue to rise. Investors should closely monitor these profitability indicators as they will be pivotal in determining future growth trajectories.
Balance Sheet Strength and Financial Ratios
Fino Payments Bank’s balance sheet reflects a robust growth in assets, which totaled ₹4,206 Cr as of March 2025, up from ₹2,466 Cr in FY 2023. This growth has been primarily driven by an increase in deposits, which surged to ₹1,939 Cr in FY 2025. The bank’s reserves also rose to ₹664 Cr, indicating a solid foundation for future expansion. However, the bank’s negative financing profit and high operational expenses could pose risks to its financial health. The price-to-book value ratio stood at 2.54 in FY 2025, suggesting that the stock is trading at a premium relative to its book value. This pricing might be justifiable if the bank can translate its revenue growth into sustainable profitability. The net interest margin at 2.25x indicates a moderately healthy performance, yet the ongoing negative financing margins highlight the challenges in its lending operations. Investors should weigh these financial ratios carefully against the backdrop of the bank’s growth aspirations.
Shareholding Pattern and Investor Confidence
The shareholding structure of Fino Payments Bank showcases a strong promoter backing, with promoters holding 75% of the stake as of September 2025. This level of commitment can instill confidence among retail investors. However, foreign institutional investors (FIIs) have gradually reduced their stake from 7.67% in December 2022 to 2.67% by September 2025, which may raise questions about external confidence in the bank’s future prospects. Domestic institutional investors (DIIs) have also decreased their holdings, indicating a cautious sentiment in the market. The public shareholding has increased to 19%, reflecting a growing interest from retail investors, which may provide a supportive base for the stock. Nonetheless, the declining FIIs could be a red flag, suggesting that some institutional players are reassessing their positions in light of the bank’s profitability challenges.
Outlook, Risks, and Final Insight
Investors in Fino Payments Bank should remain cognizant of both the promising growth and the underlying risks. The bank’s commitment to expanding its digital payments ecosystem and increasing financial inclusion is commendable, but it must also tackle its operational efficiency and profitability challenges. The rising operational costs and negative financing profits present significant hurdles that could affect future growth. Additionally, the decreasing interest from FIIs might signal a need for the bank to reassure stakeholders about its long-term viability. As Fino Payments Bank continues to carve out its niche in a competitive landscape, it will be essential for investors to monitor its ability to convert revenue growth into sustainable profitability. The trajectory of its financial metrics, coupled with external investor sentiment, will play a crucial role in shaping the stock’s future performance. In this context, prudent investment decisions will be key, balancing the potential for growth against the backdrop of existing risks.
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 | 2,619 Cr. | 315 | 367/180 | 32.6 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,347 Cr. | 26.1 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,240 Cr. | 274 | 331/250 | 9.18 | 307 | 1.46 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 70,911 Cr. | 22.6 | 24.3/16.0 | 25.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,351 Cr. | 53.4 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,722.78 Cr | 421.77 | 18.58 | 241.49 | 0.59% | 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: 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 - 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 |
|---|---|---|---|---|---|---|
| Mirae Asset Banking and Financial Services Fund | 798,636 | 1.06 | 22.61 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 693,000 | 0.63 | 19.62 | 543,000 | 2025-11-02 04:43:41 | 27.62% |
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: 32.6 (Industry average Stock P/E: 18.58)
- 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%
FAQ
What is the intrinsic value of Fino Payments Bank Ltd?
Fino Payments Bank Ltd's intrinsic value (as of 06 December 2025) is 320.19 which is 1.65% higher the current market price of 315.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 2,619 Cr. market cap, FY2025-2026 high/low of 367/180, 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 2,619 Cr..
What is the current Stock Price of Fino Payments Bank Ltd as on 06 December 2025?
The current stock price of Fino Payments Bank Ltd as on 06 December 2025 is 315.
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 367/180.
What is the Stock P/E of Fino Payments Bank Ltd?
The Stock P/E of Fino Payments Bank Ltd is 32.6.
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.