Fino Payments Bank

Fino Payments Bank

279.00
+6.60
(2.42%)
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Key Fundamentals
Add Ratio
Market Cap
2,321.80 Cr
EPS
11.12
PE Ratio
28.92
Dividend Yield
0.00 %
Industry
Banks
52 Week High
389.10
52 Week Low
200.00
PB Ratio
3.08
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from2 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %
Forecast For
Actual

Company News

View All News
Caret
positive
Fino Payments Bank has provided guidance on its path to accelerated profitability through multiple strategic initiatives. The bank plans to focus on cross-selling products to existing customers, expanding its merchant and agent networks, and capitalizing on strong transaction growth in rural and semi-urban markets.
neutral
Fino Payments Bank reported quarterly net profit of 154 million rupees, down from 212 million rupees in the same period last year. However, the bank's revenue increased to 601 million rupees compared to 478 million rupees year-over-year, showing growth in top-line performance despite the decline in profitability.
neutral
Fino Payments Bank Schedules Board Meeting for October 29, 2025 to Approve Financial ResultsOct 18, 2025
Fino Payments Bank Limited will hold a Board of Directors meeting on October 29, 2025, to consider and approve the Audited Financial Results for the half year ended September 30, 2025 and Unaudited Financial Results for the quarter ended September 30, 2025. The bank has implemented a trading window closure for its designated persons and their immediate relatives from October 1, 2025 to October 31, 2025. The bank trades on BSE with scrip code 543386 and on NSE with symbol FINOPB.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
279.00
#1 2,321.80
#1 28.92
#1 1,847.10
#1 24.94
#1 93
#1 -27.01
39.96
Growth Rate
Revenue Growth
24.94 %
Net Income Growth
7.31 %
Cash Flow Change
34.18 %
ROE
-7.61 %
ROCE
2.90 %
EBITDA Margin (Avg.)
-0.74 %

Yearly Financial Results

Annual Financials
2018
2019
2020
2021
2022
2023
2024
2025
TTM
Revenue
230
371
691
791
1,009
1,230
1,478
1,847
1,808
Expenses
279
410
690
707
915
1,076
1,260
1,576
1,597
EBITDA
-51
-44
-9
74
78
107
140
171
104
Operating Profit %
-1,699 %
-2,039 %
-3,706 %
-3,393 %
-2,469 %
-1,034 %
-740 %
-707 %
-624 %
Depreciation
16
18
24
54
36
42
53
62
0
Interest
3
6
10
10
15
47
79
101
108
Profit Before Tax
-67
-62
-32
21
43
65
86
108
104
Tax
0
0
0
0
0
0
0
16
24
Net Profit
-67
-62
-32
21
43
65
86
93
80
EPS in ₹
-16.41
-13.99
-7.19
2.62
5.34
7.82
10.36
11.12
9.60

Balance Sheet

Balance Sheet
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
538
684
624
1,010
1,680
2,466
3,419
4,206
Fixed Assets
46
42
49
62
92
139
148
167
Current Assets
423
490
357
442
861
1,100
1,438
1,302
Capital Work in Progress
1
0
0
2
1
6
47
130
Investments
64
73
128
504
631
1,146
1,747
2,388
Other Assets
427
569
446
443
956
1,175
1,477
1,520
Total Liabilities
538
684
624
1,010
1,680
2,466
3,419
4,206
Current Liabilities
226
392
266
436
448
563
651
680
Non Current Liabilities
312
293
358
574
1,232
1,904
2,768
3,526
Total Equity
225
162
130
151
480
553
643
747
Reserve & Surplus
180
118
86
106
397
469
560
664
Share Capital
45
45
45
45
83
83
83
83

Cash Flow

Cash Flow
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
-66
50
-86
-31
495
68
232
39
Investing Activities
-34
-14
-31
-69
-64
-97
-104
-164
Operating Activities
-181
29
-84
-32
207
-20
57
76
Financing Activities
149
35
28
70
352
184
279
127

Share Holding

% Holding
Jul 2021
Nov 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
100.00 %
75.00 %
75.00 %
75.00 %
75.00 %
75.00 %
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
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
7.20 %
6.29 %
5.57 %
5.09 %
5.12 %
5.12 %
4.21 %
3.70 %
4.08 %
2.55 %
2.67 %
DIIs
0.00 %
5.57 %
7.09 %
7.53 %
7.37 %
7.84 %
3.73 %
4.74 %
5.47 %
6.83 %
5.58 %
5.91 %
5.99 %
6.14 %
6.08 %
3.52 %
3.04 %
3.35 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
0.00 %
3.30 %
4.66 %
5.30 %
5.71 %
6.83 %
9.41 %
8.91 %
8.93 %
8.19 %
10.07 %
9.60 %
10.50 %
12.28 %
12.42 %
13.79 %
14.89 %
14.65 %
Others
0.00 %
16.12 %
13.25 %
12.17 %
11.92 %
10.33 %
11.86 %
4.15 %
4.30 %
4.41 %
4.27 %
4.37 %
3.39 %
2.36 %
2.80 %
3.61 %
4.53 %
4.33 %
No of Share Holders
0
7
96,191
93,449
88,284
85,315
83,367
77,993
74,906
67,998
68,897
65,150
63,919
64,495
64,460
64,104
63,093
61,622

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
25 Sept 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
25 Sept 2024 413.75 406.70
23 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
23 Oct 2024 416.35 386.60
29 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Jan 2025 289.15 273.75
28 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
28 Apr 2025 251.58 245.05
30 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
30 Jul 2025 275.45 263.40
29 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Aug 2025 255.10 271.15
29 Oct 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
29 Oct 2025 328.85 306.25

Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
Announcement under Regulation 30 (LODR)-Earnings Call Transcript4 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome9 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication9 days ago
Disclosure Under Regulation 8 Of The Securities And Exchange Board Of India (Prohibition Of Insider Trading) Regulations 2015 (SEBI PIT Regulations)- Code Of Practices And Procedures For Fair Disclosure Of Unpublished Price Sensitive Information10 days ago
Change In Domain Name Of Website Of The Bank10 days ago
Enclosed Herewith Statement Of Deviation For The Quarter Ended September 30 202510 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation10 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
Outcome Of The Meeting Of Board Of Directors Held On October 29 202510 days ago
Board Meeting Outcome for Outcome Of Board Meeting Dated October 29 202510 days ago
Disclosure Of ESG RatingOct 21, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 18, 2025
Board Meeting Intimation for The Board Meeting Scheduled To Be Held On October 29 2025Oct 18, 2025
Approval Of Reserve Bank Of India (RBI) For Re-Appointment Of Mr. Rajat Kumar Jain As Part-Time Chairman Of Fino Payments Bank LimitedOct 17, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateOct 17, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On October 17 2025Oct 17, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 09, 2025
Intimation About ESG RatingOct 08, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Announcement Under Regulation 30-Settlement OrderOct 06, 2025
Closure of Trading WindowSep 24, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 24, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 23, 2025
Disclosure On ESG Rating By CrisilSep 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 10, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 05, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 30, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 29, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 29, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 20, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On August 20 2025Aug 20, 2025
Grant Of Stock Options Under Fino Payments Bank Limited- Employee Stock Option Policy 2020Aug 20, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 14, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 14, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 08, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Business Responsibility and Sustainability Reporting (BRSR)Aug 06, 2025
Reg. 34 (1) Annual Report.Aug 06, 2025
Notice- 9Th Annual General Meeting Of Fino Payments Bank Limited Scheduled To Be Held On Friday August 29 2025Aug 06, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 06, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 04, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 31, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 31, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Mirae Asset Banking and Financial Services Fund Direct - Growth
0.00%
-798636
-1.07%
-1.14%
Mirae Asset Multicap Fund Direct - Growth
0.00%
-711389
-0.46%
-0.50%
Tata Banking and Financial Services Fund Direct-Growth
0.00%
-693000
-0.64%
-0.69%
Motilal Oswal Balanced Advantage Fund Direct-Growth
0.00%
0
0.00%
0.00%
Motilal Oswal Focused Fund Direct-Growth
0.00%
0
0.00%
0.00%

Technical Indicators

RSI(14)
Neutral
39.96
ATR(14)
Less Volatile
12.54
STOCH(9,6)
Oversold
9.49
STOCH RSI(14)
Oversold
5.72
MACD(12,26)
Bearish
-6.28
ADX(14)
Strong Trend
33.30
UO(9)
Bearish
38.31
ROC(12)
Downtrend And Accelerating
-15.61
WillR(14)
Oversold
-87.08