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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,305.15
24.91
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,700.37
N/A
3.20

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
11.98
5.95

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
26.35

PAT CAGR (%)

10 Years
5 Years
3 Years

3.74
3.99

P:E (Median)

8 Years
5 Years
3 Years

-
-
30.71

P:BV (Average)

8 Years
5 Years
3 Years

-
-
3.99

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
33.42

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 52.78 41.40 27.49% 49.35 39.15 26.05% 47.75 36.53 30.71% 45.33 32.97 37.49%
Interest Exp. 25.99 22.99 13.05% 25.65 21.59 18.81% 25.05 18.87 32.75% 23.89 15.45 54.63%
Net Interest Income 26.79 18.41 45.52% 23.70 17.56 34.97% 22.70 17.66 28.54% 21.44 17.52 22.37%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 440.71 359.90 22.45% 411.99 331.05 24.45% 407.66 322.05 26.58% 391.53 315.34 24.16%
Total Income 493.49 401.30 22.97% 461.34 370.20 24.62% 455.41 358.58 27.00% 436.86 348.31 25.42%
Operating Exp. 437.80 353.02 24.02% 407.24 325.81 24.99% 404.43 319.63 26.53% 388.70 314.16 23.73%
Operating Profit 29.70 25.29 17.44% 28.45 22.80 24.78% 25.93 20.08 29.13% 24.27 18.70 29.79%
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.56 -100.00% 0.00 0.00 0
PBT 29.70 25.29 17.44% 28.45 22.80 24.78% 25.93 19.52 32.84% 24.27 18.70 29.79%
PBTM 56.27 61.09 -7.89% 57.65 58.24 -1.01% 54.30 53.44 1.61% 53.54 56.72 -5.61%
TAX 5.70 0.08 7,025.00% 5.34 0.00 0 4.78 0.00 0 0.00 0.00 0
PAT 24.00 25.21 -4.80% 23.11 22.80 1.36% 21.15 19.52 8.35% 24.27 18.70 29.79%
PATM 45.47% 60.89% 46.83% 58.24% 44.29% 53.44% 53.54% 56.72%
EPS 2.88 3.03 -4.95% 2.78 2.74 1.46% 2.54 2.35 8.09% 2.92 2.25 29.78%
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 28.10 21.00 33.81% 0.00 20.00 -100.00% 0.00 0.00 0 0.00 0.00 0

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 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 24 Mar 23 Mar 22 Mar 21 Mar 20
Net Interest Income 94.63 71.15 47.49 20.32 10.71 8.26 Interest Earned 195.21 150.05 94.86 35.63 20.25 18.13 Interest Expended 100.58 78.90 47.37 15.31 9.54 9.87 Int. income Growth 33.00% 49.82% 133.71% 89.73% 29.66% Other Income 1,651.89 1,328.34 1,135.05 973.23 770.77 673.27 Total Income 1,847.10 1,399.49 1,182.54 993.55 781.48 681.53 Total Expenditure 1,638.17 1,259.73 1,075.61 915.35 707.43 689.99 Employee Cost - 177.37 155.61 133.26 114.71 123.88 % Of Sales - 118.21% 164.04% 374.01% 566.47% 683.29% Opt. & Establishment Exp. - 1,188.70 1,159.31 986.25 695.86 612.22 % Of Sales - 792.20% 1222.13% 2768.03% 3436.35% 3376.83% Provisions - 0.56 0.00 0.00 4.02 1.03 % Of Sales - 0.37% 0% 0% 19.85% 5.68% EBITDA 108.35 139.76 106.93 78.20 74.05 -8.46 EBITDA Margin -739.18% 196.43% 225.16% 384.84% 691.41% -102.42% Depreciation 0.00 53.45 41.85 35.45 53.58 23.57 PBT 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 Provision for Tax 15.82 0.08 0.00 0.00 0.00 0.00 Tax Rate 14.60% 0.09% 0.00% 0.00% 0.00% 0.00% PAT 92.53 86.22 65.09 42.74 20.47 -32.04 PAT before Minority Interest 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 PAT Margin 5.30% 6.16% 5.50% 4.30% 2.62% -4.70% PAT Growth 7.31% 32.46% 52.29% 108.79% 0 EPS 11.12 10.36 7.82 5.14 2.46 -3.85

Results Balance Sheet

Standalone Figures in Rs. Crores

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

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 56.78 -20.10 207.44 -32.22 -83.67 PBT 86.30 65.09 42.74 20.47 -32.04 Adjustment 63.28 53.02 42.71 61.03 27.56 Adjustments for Liabilities & Assets -90.47 -141.69 129.52 -123.23 -86.02 Refund/(Payment) of direct taxes -2.32 3.49 -7.53 0.00 6.83 Other Direct Payments 0.00 0.00 0.00 9.51 0.00 Cash From Investing Activity -103.76 -96.53 -64.31 -68.95 -30.54 Net Fixed Assets -103.73 -93.96 -61.35 -66.17 Other Investment Activity -531.39 -395.44 -306.12 -206.36 Cash from Financing Activity 278.59 184.41 352.22 70.01 27.89 Closing Cash & Equivalent 1,065.55 833.94 766.16 270.82 301.98 Net Cash Inflow / Outflow 231.61 67.78 495.35 -31.16 -86.33 Opening Cash & Equivalents 833.94 766.16 270.82 301.98 388.31

Financial Ratios

Standalone

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

Top Investors:

motilal oswal dynamic fund

envision india fund

fidelity funds - india focus fund

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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: