Fino Payments Bank, 543386, FINOPB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,102.93
24.45
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,759.52
N/A
2.85

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
15.52
7.60

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
35.22
12.44

PAT CAGR (%)

10 Years
5 Years
3 Years

3.72
3.93

P:E (Median)

8 Years
5 Years
3 Years

-
-
30.13

P:BV (Average)

8 Years
5 Years
3 Years

-
-
3.93

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
32.38

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 60.99 45.33 34.55% 52.78 41.40 27.49% 49.35 39.15 26.05% 47.75 36.53 30.71%
Interest Exp. 28.37 23.89 18.75% 25.99 22.99 13.05% 25.65 21.59 18.81% 25.05 18.87 32.75%
Net Interest Income 32.62 21.44 52.15% 26.79 18.41 45.52% 23.70 17.56 34.97% 22.70 17.66 28.54%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 392.48 391.53 0.24% 440.71 359.90 22.45% 411.99 331.05 24.45% 407.66 322.05 26.58%
Total Income 453.47 436.86 3.80% 493.49 401.30 22.97% 461.34 370.20 24.62% 455.41 358.58 27.00%
Operating Exp. 400.47 388.70 3.03% 437.80 353.02 24.02% 407.24 325.81 24.99% 404.43 319.63 26.53%
Operating Profit 24.63 24.27 1.48% 29.70 25.29 17.44% 28.45 22.80 24.78% 25.93 20.08 29.13%
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.56 -100.00%
PBT 24.63 24.27 1.48% 29.70 25.29 17.44% 28.45 22.80 24.78% 25.93 19.52 32.84%
PBTM 40.38 53.54 -24.58% 56.27 61.09 -7.89% 57.65 58.24 -1.01% 54.30 53.44 1.61%
TAX 6.87 0.00 0 5.70 0.08 7,025.00% 5.34 0.00 0 4.78 0.00 0
PAT 17.76 24.27 -26.82% 24.00 25.21 -4.80% 23.11 22.80 1.36% 21.15 19.52 8.35%
PATM 29.12% 53.54% 45.47% 60.89% 46.83% 58.24% 44.29% 53.44%
EPS 2.13 2.92 -27.05% 2.88 3.03 -4.95% 2.78 2.74 1.46% 2.54 2.35 8.09%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 28.10 21.00 33.81% 0.00 20.00 -100.00% 0.00 0.00 0

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Net Interest Income 105.81 94.65 71.15 47.49 20.32 10.71 8.26 Interest Earned 210.87 195.23 150.05 94.86 35.63 20.25 18.13 Interest Expended 105.06 100.58 78.90 47.37 15.31 9.54 9.87 Int. income Growth 40.95% 33.03% 49.82% 133.71% 89.73% 29.66% Other Income 1,652.84 1,651.87 1,328.34 1,135.05 973.23 770.77 673.27 Total Income 1,863.71 1,746.52 1,399.49 1,182.54 993.55 781.48 681.53 Total Expenditure 1,649.94 1,576.02 1,259.73 1,075.61 915.35 707.43 689.99 Employee Cost - 206.58 177.37 155.61 133.26 114.71 123.88 % Of Sales - 105.81% 118.21% 164.04% 374.01% 566.47% 683.29% Opt. & Establishment Exp. - 1,700.32 1,188.70 1,159.31 986.25 695.86 612.22 % Of Sales - 870.93% 792.20% 1222.13% 2768.03% 3436.35% 3376.83% Provisions - 0.00 0.56 0.00 0.00 4.02 1.03 % Of Sales - 0% 0.37% 0% 0% 19.85% 5.68% EBITDA 108.71 170.50 139.76 106.93 78.20 74.05 -8.46 EBITDA Margin -682.44% 180.14% 196.43% 225.16% 384.84% 691.41% -102.42% Depreciation 0.00 62.15 53.45 41.85 35.45 53.58 23.57 PBT 108.71 108.35 86.30 65.09 42.74 20.47 -32.04 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 22.69 15.82 0.08 0.00 0.00 0.00 0.00 Tax Rate 20.87% 14.60% 0.09% 0.00% 0.00% 0.00% 0.00% PAT 86.02 92.53 86.22 65.09 42.74 20.47 -32.04 PAT before Minority Interest 86.02 92.53 86.22 65.09 42.74 20.47 -32.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 4.89% 5.30% 6.16% 5.50% 4.30% 2.62% -4.70% PAT Growth -6.30% 7.32% 32.46% 52.29% 108.79% 0 EPS 10.34 11.12 10.36 7.82 5.14 2.46 -3.85

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 746.88 643.17 552.55 479.83 150.55 130.07 Share Capital 83.22 83.21 83.21 83.21 44.58 44.58 Total Reserves 636.08 544.74 458.52 393.43 105.97 85.49 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,939.44 1,412.54 917.15 502.67 242.84 117.53 Borrowings 839.46 712.65 434.06 249.65 180.80 110.79 Other Liabilities & Provisions 680.16 650.75 562.64 447.85 436.11 265.61 Total Liabilities 4,205.94 3,419.11 2,466.40 1,680.00 1,010.30 624.00 Net Block 167.35 147.91 139.43 92.29 62.41 49.05 Gross Block 468.95 387.53 325.65 236.71 174.01 109.21 Accumulated Depreciation 301.60 239.62 186.22 144.42 111.60 60.16 Total Non-Current Assets 3,790.06 3,007.79 2,125.40 1,490.56 838.73 479.84 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 130.22 47.33 5.48 0.46 1.81 0.44 Cash and balance with RBI 182.86 317.43 219.94 223.86 88.32 130.81 Balance with banks and money at call 921.33 748.12 614.00 542.31 182.50 171.17 Investments 2,388.13 1,746.93 1,146.43 631.40 503.56 128.27 Advances 0.17 0.07 0.12 0.24 0.13 0.10 Other Assets 415.87 411.32 341.00 189.45 171.57 144.16 Total Assets 4,205.93 3,419.11 2,466.40 1,680.01 1,010.30 624.00 Contingent Liabilities 34.04 13.18 7.08 4.32 4.01 4.34 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 86.44 75.46 65.10 57.28 19.30 29.18

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 76.19 56.78 -20.10 207.44 -32.22 -83.67 PBT 108.35 86.30 65.09 42.74 20.47 -32.04 Adjustment 82.85 63.28 53.02 42.71 61.03 27.56 Adjustments for Liabilities & Assets -102.24 -90.55 -141.69 129.52 -123.23 -86.02 Refund/(Payment) of direct taxes -12.77 -2.24 3.49 -7.53 0.00 6.83 Other Direct Payments 0.00 0.00 0.00 0.00 9.51 0.00 Cash From Investing Activity -164.45 -103.76 -96.53 -64.31 -68.95 -30.54 Net Fixed Assets -164.31 -103.73 -93.96 -61.35 -66.17 Other Investment Activity -702.93 -531.39 -395.44 -306.12 -206.36 Cash from Financing Activity 126.90 278.59 184.41 352.22 70.01 27.89 Closing Cash & Equivalent 1,104.19 1,065.55 833.94 766.16 270.82 301.98 Net Cash Inflow / Outflow 38.64 231.61 67.78 495.35 -31.16 -86.33 Opening Cash & Equivalents 1,065.55 833.94 766.16 270.82 301.98 388.31

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Book Value 86.44 75.46 65.10 57.28 19.30 29.18 NIM 2.71 2.53 2.40 1.45 1.38 1.92 Yield on Advances 0.00 0.00 0.00 0.00 0.00 0.00 Yield on Investments 6.35 6.64 5.78 3.68 2.00 3.75 Cost of Liabilities 3.62 3.71 3.51 2.03 2.25 4.32 Interest Spread 0.00 0.00 0.00 0.00 0.00 0.00 ROCE 11.49% 11.74% 10.98% 9.23% 8.94% -10.26% Cost Income Ratio 93.80 93.79 94.50 95.70 96.87 104.55 Core Cost Income Ratio 93.80 93.79 94.47 95.71 96.87 104.55 Operating Costs to Assets 38.95 38.39 45.31 56.60 74.93 114.19 Loans/Deposits 0.43 0.50 0.47 0.50 0.74 0.94 Cash/Deposits 0.09 0.22 0.24 0.45 0.36 1.11 Investment/Deposits 1.23 1.24 1.25 1.26 2.07 1.09 Inc Loan/Deposits 43.28% 50.45% 47.33% 49.67% 74.45% 94.27% Credit Deposits 0.01% 0.00% 0.01% 0.05% 0.05% 0.09% Interest Expended / Interest earned 51.52% 52.58% 49.93% 42.96% 47.11% 54.43% Interest income / Total funds 4.64% 4.39% 3.85% 2.12% 2.00% 2.91% Interest Expended / Total funds 2.39% 2.31% 1.92% 0.91% 0.94% 1.58% CASA 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%

Top Investors:

mirae asset banking and financial services fund

envision india fund

Annual Reports:

News Update:

Fino Payments Bank - Quarterly Results
30th Jul 2025, 19:06 PM

Read More

Fino Payments Bank Ltd.

Bank - Private

BSE: 543386 | NSE: FINOPB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Fino Payments Bank Ltd.

Bank - Private

BSE: 543386 | NSE: FINOPB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: