Share Price and Basic Stock Data
Last Updated: February 13, 2026, 10:20 pm
| PEG Ratio | 1.90 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Fino Payments Bank Ltd operates within the private sector banking industry, focusing on digital payments and financial services. The company’s stock price stood at ₹228, with a market capitalization of ₹1,890 Cr. The firm has demonstrated a consistent upward trajectory in revenue, recording ₹25 Cr in December 2022, which rose to ₹37 Cr by September 2023. This upward trend continued with projected revenues of ₹39 Cr in December 2023 and anticipated growth to ₹53 Cr by March 2025. The total revenue for the trailing twelve months (TTM) reached ₹223 Cr, indicating strong growth potential in a rapidly evolving digital banking landscape. This growth is underpinned by an increase in interest income, which rose from ₹14 Cr in December 2022 to ₹19 Cr in September 2023. The company’s focus on expanding its customer base and enhancing service offerings is crucial for sustaining this revenue growth in a highly competitive sector.
Profitability and Efficiency Metrics
Fino Payments Bank reported a net profit of ₹80 Cr, reflecting a net profit margin of 47.39% as of March 2025. The bank’s profitability has shown improvement, with net profit increasing from ₹19 Cr in December 2022 to ₹23 Cr in December 2023. However, the financing profit remains negative, standing at ₹-1,481 Cr for FY 2025, indicating challenges in managing interest expenses versus income. The return on equity (ROE) was recorded at 13.3%, slightly lower than the previous year’s 14%, suggesting that while profitability is robust, it remains below optimal sector performance. The operating profit margin (OPM) is not available, but the reported cost-to-income ratio at 93.79% indicates high operational expenses relative to income, which could hinder future profitability. The financial metrics highlight a company that is navigating significant costs while trying to capitalize on revenue growth opportunities.
Balance Sheet Strength and Financial Ratios
The balance sheet of Fino Payments Bank reflects a total asset base of ₹4,206 Cr as of March 2025, up from ₹2,466 Cr in March 2023. Reserves increased to ₹670 Cr, demonstrating an ability to retain earnings, which is vital for future growth initiatives. The bank’s equity capital remained stable at ₹83 Cr since 2022, while borrowings stood at ₹839 Cr, indicating a reliance on external financing to support growth. The price-to-book value ratio was reported at 2.54, which is relatively high, suggesting that the market values the bank at a premium compared to its book value. Furthermore, the interest income to total assets ratio of 4.64% indicates effective asset utilization, although the high cost-to-income ratio raises concerns about efficiency. The financial ratios signal a robust growth trajectory but also highlight the need for improved operational efficiencies to enhance overall financial health.
Shareholding Pattern and Investor Confidence
Fino Payments Bank’s shareholding structure reflects a stable ownership model, with promoters holding 75% of the stake, ensuring control over strategic decisions. Foreign institutional investors (FIIs) accounted for 2.67% of the ownership as of September 2025, showing a decline from 7.67% in December 2022, which may indicate waning international interest. Domestic institutional investors (DIIs) have also reduced their stake to 3.35%, down from 5.48% in June 2023. Conversely, public shareholding increased to 19% from 13.60% in December 2022, suggesting growing retail investor confidence. The total number of shareholders has decreased to 61,622, indicating a consolidation trend among investors. This evolving shareholding pattern suggests a potential shift in investor sentiment, where retail investors are becoming more prominent amid declining institutional participation.
Outlook, Risks, and Final Insight
Fino Payments Bank is poised for growth, driven by increasing digital adoption in India and a rising demand for payment solutions. However, the bank faces several risks, including high operational costs that could impact profitability and a reliance on external borrowings that may affect financial stability if interest rates rise. Additionally, ongoing competition in the digital banking space could pressure margins. To mitigate these risks, the bank must focus on enhancing operational efficiencies and optimizing its product offerings. In the event of successful cost management and revenue growth, the bank could strengthen its market position. Conversely, failure to address operational inefficiencies and reliance on external financing could hinder its performance. Overall, Fino Payments Bank’s future hinges on its ability to navigate these challenges while capitalizing on growth opportunities in the expanding digital payments landscape.
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 | 1,818 Cr. | 218 | 339/180 | 25.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,460 Cr. | 28.3 | 36.2/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,239 Cr. | 273 | 331/249 | 9.14 | 306 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 65,457 Cr. | 20.9 | 24.3/16.0 | 20.6 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,886 Cr. | 61.2 | 68.0/30.9 | 24.1 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 159,971.30 Cr | 350.67 | 17.64 | 214.17 | 0.58% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 25 | 29 | 33 | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 | 60 | 63 |
| Interest | 14 | 14 | 15 | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 | 28 | 29 |
| Expenses | 281 | 287 | 314 | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 | 351 | 344 |
| Financing Profit | -270 | -272 | -297 | -303 | -308 | -335 | -367 | -382 | -384 | -411 | -368 | -319 | -311 |
| Financing Margin % | -1,067% | -925% | -900% | -828% | -787% | -808% | -810% | -799% | -777% | -779% | -603% | -530% | -494% |
| Other Income | 289 | 294 | 315 | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 | 340 | 328 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 | 17 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 18% | 19% | 19% | 28% | 28% | 30% |
| Net Profit | 19 | 22 | 19 | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 | 12 |
| EPS in Rs | 2.30 | 2.65 | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 2, 2026, 12:16 am
Below is a detailed analysis of the quarterly data for Fino Payments Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 29.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 28.00 Cr. (Sep 2025) to 29.00 Cr., marking an increase of 1.00 Cr..
- For Expenses, as of Dec 2025, the value is 344.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 351.00 Cr. (Sep 2025) to 344.00 Cr., marking a decrease of 7.00 Cr..
- For Other Income, as of Dec 2025, the value is 328.00 Cr.. The value appears to be declining and may need further review. It has decreased from 340.00 Cr. (Sep 2025) to 328.00 Cr., marking a decrease of 12.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 17.00 Cr.. The value appears to be declining and may need further review. It has decreased from 21.00 Cr. (Sep 2025) to 17.00 Cr., marking a decrease of 4.00 Cr..
- For Tax %, as of Dec 2025, the value is 30.00%. The value appears to be increasing, which may not be favorable. It has increased from 28.00% (Sep 2025) to 30.00%, marking an increase of 2.00%.
- For Net Profit, as of Dec 2025, the value is 12.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Sep 2025) to 12.00 Cr., marking a decrease of 3.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 1.47. The value appears to be declining and may need further review. It has decreased from 1.84 (Sep 2025) to 1.47, marking a decrease of 0.37.
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: 25.4 (Industry average Stock P/E: 17.64)
- 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 15 February 2026) is ₹282.85 which is 29.75% higher the current market price of ₹218.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,818 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 1,818 Cr..
What is the current Stock Price of Fino Payments Bank Ltd as on 15 February 2026?
The current stock price of Fino Payments Bank Ltd as on 15 February 2026 is ₹218.
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 25.4.
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.