Fino Payments Bank

Fino Payments Bank

261.45
-1.65
(-0.63%)
Market Cap
2,175.70 Cr
EPS
11.12
PE Ratio
25.29
Dividend Yield
0.00 %
Industry
Banks
52 Week High
446.45
52 Week Low
200.00
PB Ratio
2.91
Debt to Equity
0.00
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- 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 %

Company News

View All News
Caret
neutral
Fino Payments Bank recorded revenue of INR453 crores for Q1 FY26, marking 4% year-on-year growth despite facing industry-wide challenges. The bank added approximately 7 lakh new CASA accounts, bringing total accounts to 1.5 crores, while average deposits rose 34% to INR2,275 crores. However, remittance business saw significant decline following regulatory changes introduced in November 2024, with the segment dropping from one-third of revenue in Q1 FY25 to one-fifth currently. EBITDA increased 16% to INR62 crores and cash profit grew 20% to INR50.5 crores. The bank adopted cautious approach due to rising mule account concerns and enhanced regulatory scrutiny, temporarily impacting account additions and transaction volumes. Digital payment services revenue grew 59% to INR106 crores, handling transactions worth INR68,000 crores. Net revenue margin expanded by 250 basis points year-on-year due to favorable shift toward higher-margin CASA and digital payment services. The bank has applied for small finance bank license and expects core banking system migration completion before calendar year end.
neutral
Fino Payments Bank Makes Earnings Call Audio Recording Available to InvestorsJul 31, 2025
Fino Payments Bank has made the audio recording of its earnings call with investors and analysts available on its website. The call was held on July 31, 2025, to discuss the un-audited financial results for the quarter ended June 30, 2025. The bank's investor presentation has already been submitted to stock exchanges, and the call transcript will be submitted subsequently. The audio recording can be accessed through the bank's website at www.finobank.com.
positive
Fino Payments Bank has outlined expansion plans targeting a 40% increase in profitable ventures. The bank intends to apply for a Small Finance Bank (SFB) license and implement core banking system improvements as part of its long-term digital expansion strategy.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
261.45
#1 2,175.70
#1 25.29
#1 1,847.10
#1 24.94
#1 93
#1 -26.75
42.48
Forecast
Actual
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
1,864
Expenses
279
410
690
707
915
1,076
1,260
1,576
1,650
EBITDA
-51
-44
-9
74
78
107
140
171
109
Operating Profit %
-1,699 %
-2,039 %
-3,706 %
-3,393 %
-2,469 %
-1,034 %
-740 %
-707 %
-690 %
Depreciation
16
18
24
54
36
42
53
62
0
Interest
3
6
10
10
15
47
79
101
105
Profit Before Tax
-67
-62
-32
21
43
65
86
108
109
Tax
0
0
0
0
0
0
0
16
23
Net Profit
-67
-62
-32
21
43
65
86
93
86
EPS in ₹
-16.41
-13.99
-7.19
2.62
5.34
7.82
10.36
11.12
10.30

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
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 %
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 %
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 %
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 %
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 %
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 %
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

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

Announcements

Closure of Trading Window3 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
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
Outcome Of The Board Meeting Held Today I.E. Wednesday July 30 2025Jul 30, 2025
Statement For Deviation(S) Or Variation(S) Under Regulation 32 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 For The Quarter Ended June 30 2025Jul 30, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 30, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 30, 2025
Appointment Of Secretarial Auditors Of The BankJul 30, 2025
Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sJul 30, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateJul 30, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On July 30 2025Jul 30, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 22, 2025
Board Meeting Intimation for Intimation Of Board Meeting Of Fino Payments Bank Limited Scheduled To Be Held On July 30 2025Jul 22, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 26, 2025
Closure of Trading WindowJun 25, 2025
Disclosure Under Regulation 30 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Jun 20, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 17, 2025
Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance OfficerMay 31, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 26, 2025
Announcement under Regulation 30 (LODR)-Credit RatingMay 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMay 20, 2025

Technical Indicators

RSI(14)
Neutral
41.24
ATR(14)
Less Volatile
8.99
STOCH(9,6)
Neutral
22.74
STOCH RSI(14)
Oversold
0.00
MACD(12,26)
Bearish
-1.86
ADX(14)
Strong Trend
25.07
UO(9)
Bearish
35.09
ROC(12)
Downtrend And Accelerating
-3.45
WillR(14)
Oversold
-87.73

Mutual Fund Holdings