Fino Payments Bank Limited

NSE: FINOPB · Unclassified

₹122.60+0.11%06 Nov 2026

Ask the data

Instant answers about Fino Payments Bank Limited — computed from its filings, no language model

Market cap₹1,020 cr

Current price₹122.60

High / Low₹318 / ₹112

P/E—

P/B1.32

Book value₹92.6

ROE-2.0%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹-1.83

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY22	FY24	FY25	FY26
Total income	1,009	1,478	1,847	1,588
Pre-provision op. profit	43	87	108	72
Operating margin	4.2%	5.9%	5.9%	4.5%
Interest	15	79	101	114
Profit before tax	43	86	108	67
Tax	0	0	16	15
Net profit	43	86	93	52
EPS ₹	5.34	10.36	11.12	6.30
Operating cash flow	207	57	76	-307
Capex	64	104	165	143
Dividend paid	0	0	0	0
Total assets	—	3,419	4,206	5,312
Equity	—	643	747	805

Quarterly performance

last 20 quarters · ₹ crore

showing latest 8 of 20 periods

	SEP '21†	DEC '21†	MAR '22	JUN '22	SEP '22†	DEC '22†	MAR '23†	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	242	275	285	289	303	314	323	359	370	401	437	455	461	493	453	400	394	340	307	334
Pre-provision op. profit	8	14	18	10	14	19	22	20	23	25	24	26	28	30	25	21	21	5	-14	-21
Operating margin	3.3%	5.1%	6.2%	3.5%	4.5%	6.1%	6.8%	5.6%	6.2%	6.3%	5.6%	5.7%	6.2%	6.0%	5.4%	5.3%	5.2%	1.6%	-4.5%	-6.3%
Other income	235	265	273	270	282	289	294	322	331	360	392	408	412	441	392	340	331	276	235	259
Interest	3	4	5	8	12	14	14	19	22	23	24	25	26	26	28	28	29	29	35	35
Profit before tax	8	14	18	10	14	19	22	20	23	25	24	26	28	30	25	21	17	4	-14	-21
Tax	0	0	0	0	0	0	0	0	0	0	0	5	5	6	7	6	5	-3	0	0
Net profit	8	14	18	10	14	19	22	20	23	25	24	21	23	24	18	15	12	7	-14	-21
EPS ₹	1.01	1.74	2.20	1.21	1.66	2.30	2.65	2.35	2.74	3.03	2.92	2.54	2.78	2.89	2.13	1.84	1.47	0.85	-1.65	-2.51
Revenue YoY	—	—	—	—	25.3%	14.1%	13.4%	18.2%	17.9%	24.1%	—	27.0%	24.6%	23.0%	3.8%	-12.2%	-14.5%	-31.1%	-32.3%	-16.6%
Profit YoY	—	—	—	—	74.9%	35.5%	25.3%	41.4%	19.4%	14.2%	—	8.4%	1.4%	-4.8%	-26.8%	-27.4%	-47.0%	-70.4%	-177.3%	-236.2%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 14 periods

	JUN '22	SEP '22	DEC '22	MAR '23	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	—	—	—	—	14.3%	13.5%	13.6%	12.4%	11.5%	10.2%	8.8%	6.5%	2.6%	-2.0%
Net margin	4.6%	4.8%	5.1%	5.3%	5.9%	5.6%	5.3%	5.0%	4.6%	4.4%	4.0%	3.3%	1.5%	-1.1%
EBITDA margin	4.6%	4.8%	5.1%	5.3%	5.9%	5.9%	5.9%	5.9%	5.8%	5.8%	5.5%	4.5%	2.3%	-0.6%
Asset turnover	—	—	—	—	0.46	0.47	0.50	0.44	0.44	0.42	0.40	0.30	0.27	0.23

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	83	83	83	83	83	83	83
Reserves	509	560	608	664	703	722	687
Total equity	592	643	691	747	786	805	771
Deposits	1,005	1,413	1,437	1,939	2,091	2,379	2,299
Borrowings	1,023	713	796	839	865	1,535	2,225
Total assets	3,050	3,419	3,526	4,206	4,324	5,312	5,894
Advances	0	0	0	0	0	0	0
Investments	1,712	1,747	1,903	2,388	2,374	3,254	3,925
Fixed assets	169	195	241	298	332	364	351
Cash & bank balances	757	1,066	902	1,104	1,198	1,351	1,261

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY24	FY25	FY26
Cash from operations	207	57	76	-307
Cash from investing	-64	-104	-164	-143
Cash from financing	352	279	127	696
Capex	64	104	165	143
Free cash flow	143	-47	-88	-449
Dividends paid	0	0	0	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹0 cr0%

Investments

₹3,925 cr67%

Fixed assets

₹351 cr6%

Cash & bank

₹1,261 cr21%

Other assets

₹356 cr6%

Peer comparison

largest in Unclassified · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
Avantel Limited	36,86,04,549	138.69	—	1059360.68	0.0%
Ducol Organics And Colours Limited	19,55,275	120.00	—	20089.13	0.0%
Jio Platforms Limited	12,57,181	1,406.40	—	3.57	—
SBI Funds Management Limited	1,01,750	499.55	—	—	—
Tamilnadu Telecommunication Limited	91,314	9.93	—	—	—
Manipal Health Enterprises Limited	76,294	646.70	—	—	—
INDO-MIM Limited	59,042	1,219.50	—	—	—
AvenuesAI Limited	45,138	129.25	153.6	9.51	6.2%
Dhoot Transmission Limited	32,761	1,601.60	—	8.11	—
3M India Limited	31,071	27,570.00	53.8	17.57	32.7%
Fino Payments Bank Limited	1,020	122.60	—	1.32	-2.0%

StoxGud checklist: Bearish setup · 0/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-4.8%

6 months-10.0%

1 year-59.1%

3Y CAGR-25.2%

5Y CAGR-25.8%

10Y CAGR—

50-day avg₹131.73

200-day avg₹152.89

RSI (14)32

FAQs

What is the share price of Fino Payments Bank Limited?

Fino Payments Bank Limited (FINOPB) closed at ₹122.60 on NSE on 06 Nov 2026.

What is the market cap of Fino Payments Bank Limited?

₹1,020 crore at the latest close.

How fast is Fino Payments Bank Limited growing?

Fino Payments Bank Limited: revenue has compounded at 16.3% a year over three years; net profit at 7.1% a year. Latest-quarter revenue is down 16.6% year on year, profit down 236.2%.

How profitable is Fino Payments Bank Limited?

On a trailing-twelve-month basis return on equity is -2.0%, operating margin -0.6%, net margin -1.1%.

How much debt does Fino Payments Bank Limited have?

Debt to equity isn't meaningful for Fino Payments Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Fino Payments Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from SEP '21, annual from FY22, balance sheet from Sep '23. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters before MAR '22 and quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.