Fino Payments Bank Ltd Financial Statements & Historical Data

Updated NSE: FINOPBBSE: 543386
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COMPANY FINANCIAL DATA

Reported figures at a glance

Stored figures, not live quotes. Price record: 2 October 2026, 10:36 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price128₹ per share
Reported P/E43.6Times
Book value per share96.8₹ per share
Reported ROCE4.41 %%
Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

Stored market and accounting figures

Price record: 2 October 2026, 10:36 pm +05:30. Not a live quote.

MeasureStored figure
Market Cap1,067 Cr.
Current Price128
High / Low339/110
Stock P/E43.6
Book Value96.8
Dividend Yield0.00 %
ROCE4.41 %
ROE6.76 %
Face Value10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Fino Payments Bank Ltd 1,067 Cr. 128 339/11043.6 96.80.00 %4.41 %6.76 % 10.0
Dhanlaxmi Bank Ltd 1,064 Cr. 27.0 36.8/19.49.22 38.30.00 %5.81 %7.15 % 10.0
Capital Small Finance Bank Ltd 1,262 Cr. 278 328/2078.37 3271.80 %7.07 %10.1 % 10.0
ESAF Small Finance Bank Ltd 2,240 Cr. 43.4 46.0/19.7 34.60.00 %5.65 %8.86 % 10.0
CSB Bank Ltd 5,287 Cr. 305 575/2957.95 2820.00 %7.05 %13.5 % 10.0
Industry Average145,852.13 Cr336.5219.83225.500.50%6.43%10.01%6.30

All Competitor Stocks of Fino Payments Bank Ltd

FINANCIALS

Quarterly performance

Compare sales, expenses, operating profit and net profit on one chart, across the same reporting quarters.

Sales, expenses & profits

₹ crore

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue33373941454849536160636472
Interest 15192223242526262828292935
Expenses 314320326353389404407438400351344306285
Financing Profit-297-303-308-335-367-382-384-411-368-319-311-270-248
Financing Margin %-900%-828%-787%-808%-810%-799%-777%-779%-603%-530%-494%-422%-344%
Other Income 315322331360392408412441392340328275235
Depreciation 0000000000000
Profit before tax 19202325242628302521174-14
Tax % 0%0%0%0%0%18%19%19%28%28%30%-73%0%
Net Profit 19202325242123241815127-14
EPS in Rs 2.252.352.743.032.922.542.782.882.131.841.470.85-1.65
Gross NPA %
Net NPA %

Last Updated: October 4, 2026, 11:14 pm

FINANCIALS

Annual performance

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Sales, expenses & profits

₹ crore

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Earnings per share

₹ per share

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: October 4, 2026, 11:14 pm

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue161918203695150195248259
Interest 361010154779101114121
Expenses 2794106907079151,0761,2601,5761,3301,287
Financing Profit-266-396-682-697-895-1,028-1,189-1,481-1,196-1,148
Financing Margin %-1,716%-2,068%-3,760%-3,441%-2,512%-1,084%-792%-759%-482%-443%
Other Income 2153526737719731,1351,3281,6521,3401,178
Depreciation 1618245435425362760
Profit before tax -67-62-32204365861086729
Tax % 0%0%0%0%0%0%0%15%22%
Net Profit -67-62-3220436586935221
EPS in Rs -15.11-13.99-7.194.595.147.8210.3611.126.302.51
Dividend Payout % 0%0%0%0%0%0%0%0%0%

YoY Net Profit Growth

Year2018-20192019-20202020-20212021-20222022-20232023-20242024-20252025-2026
YoY Net Profit Growth (%)7.46%48.39%162.50%115.00%51.16%32.31%8.14%-44.09%
Change in YoY Net Profit Growth (%)0.00%40.92%114.11%-47.50%-63.84%-18.86%-24.17%-52.23%

Fino Payments Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2018-2019 to 2025-2026.

Growth

Compounded Sales Growth
10 Years:Not available
5 Years:61%
3 Years:76%
TTM:30%
Compounded Profit Growth
10 Years:Not available
5 Years:37%
3 Years:29%
TTM:-6%
Stock Price CAGR
10 Years:Not available
5 Years:Not available
3 Years:0%
1 Year:-40%
Return on Equity
10 Years:Not available
5 Years:14%
3 Years:13%
Last Year:13%

Last Updated: September 5, 2025, 3:30 pm

FINANCIALS

Balance sheet

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Reserves & borrowings

₹ crore

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: September 29, 2026, 2:00 am

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 454545458383838383
Reserves 18011885106397469560664722
Deposits39481182435039171,4131,9392,379
Borrowing48831111812504347138391,535
Other Liabilities 226392266436448563651680592
Total Liabilities 5386846241,0101,6802,4663,4194,2065,312
Fixed Assets 4642496292139148167355
CWIP 100205471309
Investments 64731285046311,1461,7472,3883,254
Other Assets 4275694464439561,1751,4771,5201,693
Total Assets 5386846241,0101,6802,4663,4194,2065,312
FINANCIALS

Cash generation

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Operating & free cash flow

₹ crore

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Cash Flows

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -84-32207-205776-307
Cash from Investing Activity + -31-69-64-97-104-164-143
Cash from Financing Activity + 2870352184279127696
Net Cash Flow -86-314956823239246
Free Cash Flow -114-101143-114-47-88-449
CFO/OP 13%6%-24%2%-5%-6%25%
Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
PeriodMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Free Cash FlowN/AN/A-114.00-101.00143.00-114.00-47.00-88.00-449.00

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

Financial efficiency feed. Source: www.screener.in. Check the source for the accounting basis. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Financial & business efficiency

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Returns on capital & equity

%

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Financial Efficiency Data Table

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % -32%-22%15%14%13%14%13%
FINANCIALS

Ownership trends

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Shareholding comparison

%

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Shareholder count

Shareholders

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Shareholding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%
FIIs 5.57%5.09%5.12%5.12%4.21%3.70%4.08%2.54%2.67%2.69%1.33%0.31%
DIIs 6.83%5.58%5.92%5.99%6.14%6.08%3.52%3.04%3.35%0.45%0.40%0.00%
Public 12.60%14.34%13.97%13.90%14.65%15.22%17.41%19.43%19.00%21.87%23.27%24.68%
No. of Shareholders 67,99868,89765,15063,91964,49564,46064,10463,09361,62261,48362,35862,125
Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Mirae Asset Banking and Financial Services Fund 798,636 1.06 22.61N/AN/AN/A

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Ratios from the alternate data feed

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Profitability ratios

%

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 11.1210.367.825.344.59
Diluted EPS (Rs.) 11.0810.367.825.344.59
Cash EPS (Rs.) 18.5916.7812.859.4016.61
Book Value[Excl.RevalReserv]/Share (Rs.) 89.7577.2966.4057.6633.77
Book Value[Incl.RevalReserv]/Share (Rs.) 89.7577.2966.4057.6633.77
Operating Revenue / Share (Rs.)23.4618.0311.404.284.54
Net Profit / Share (Rs.) 11.1210.367.825.144.59
Interest Income / Employee (Rs.)705057.42559455.63330770.22123152.090.00
Net Profit / Employee (Rs.)334180.93321491.42226942.12147738.680.00
Business / Employee (Rs.)7004711.815266998.143198269.871731531.280.00
Interest Income / Branch (Rs.)25354597.4019486493.5112320116.888482833.330.00
Net Profit / Branches (Rs.)12017493.5111197922.088452857.1410176380.950.00
Business / Branches (Rs.)251896714.29183455701.30119125168.83119269523.810.00
Net Profit Margin (%) 47.3957.4668.61119.96101.08
Operating Profit Margin (%)5.296.165.504.302.61
Return On Assets (%) 2.202.522.632.542.02
Return On Equity / Networth (%)12.3813.4011.778.9013.59
Net Interest Margin (X)2.252.081.921.201.06
Cost To Income (%)93.7993.7994.4995.6996.86
Interest Income / Total Assets (%)4.644.383.842.122.00
Non-Interest Income / Total Assets (%)39.2738.8546.0257.9376.29
Operating Profit / Total Assets (%)-37.07-36.32-43.38-55.38-74.26
Operating Expenses / Total Assets (%)38.9438.3945.3056.5974.92
Interest Expenses / Total Assets (%)2.392.301.920.910.94
Enterprise Value (Rs.Cr.)4494.664148.162826.762611.840.00
EV Per Net Sales (X)23.0227.6529.8073.310.00
Price To Book Value (X)2.543.643.074.350.00
Price To Sales (X)9.7215.6017.8758.540.00
Retention Ratios (%) 100.00100.00100.00100.00100.00
Earnings Yield (X)0.040.030.030.020.00
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