Market Data
Market Cap₹1,074.77 Cr.
52W High₹339
Current Price₹129.15
52W Low₹110.1
Down from 52W High61.9 %
Face Value₹10
Performance
ROCE6.42 %
ROE2.61 %
EPS (TTM)₹-1.65
EPS Prev Qtr₹0.85
EPS Last Year₹1.84
EBITDA Qtr₹-13.72 Cr.
Book Value₹97
Financial Health
Debt/Equity1.91
Debt/Profit73.18
Total Assets₹5,311.896 Cr.
Promoter Holding75 %
Earning Power0.63 %
Valuation
Stock P/E51.45
Industry P/E10.15
Price to Book1.33
Price to Sales4.14
Graham Number₹74.05
Key Metrics
Branches
126
CASA %
45%
__derived
1
Employees
2,903
Face Value
₹10
Total Deposits
₹2,535 Cr
About Fino Payments Bank Ltd
Financial Services · Banks
Fino Payments Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹1,074.77 Cr.
Price Chart
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 14.01 | ₹11,08,895.58 Cr | 2.15% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.49 | ₹9,27,261.57 Cr | 0.93% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.34 | ₹8,90,293.07 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.98 | ₹4,03,836.39 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.52 | ₹3,76,093.08 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,221.68 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.88 | ₹1,29,525.47 Cr | 2.66% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.48 | ₹1,17,751.92 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.46 | ₹1,08,484.99 Cr | 3.51% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.41 | ₹1,07,487.73 Cr | 2.29% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.59 | ₹89,438.48 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 16.86 | ₹79,150.01 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.06 | ₹74,597.61 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 52.15 | ₹68,953.25 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 30.61 | ₹68,564.68 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.53 | ₹65,472.79 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 28.84 | ₹62,252.03 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.14 | ₹61,340.15 Cr | 2.76% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.15 | ₹59,830.22 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.06 | ₹59,639.95 Cr | 3.55% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
📊 Jun 2026: Revenue grew 18.4% YoY, Profit fell 177.3% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 61 | 60.11 | 62.96 | 64.1 | 72.23 |
| ↳ QoQ Growth | - | -1.5% | +4.7% | +1.8% | +12.7% |
| Expenses | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | 24.63 | 21.22 | 20.55 | 5.39 | -13.72 |
| OPM % | 40.38% | 35.3% | 32.64% | 8.41% | -18.99% |
| Other Income | 392.47 | 339.94 | 331.45 | 275.88 | 234.64 |
| Interest | 28.37 | 27.62 | 29.41 | 28.88 | 35.33 |
| Depreciation | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| EBITDA Margin % | - | - | - | - | - |
| Profit Before Tax | 24.63 | 21.22 | 17.45 | 4.1 | -13.72 |
| Tax % | 27.89% | 27.66% | 29.8% | -73.17% | 0% |
| Net Profit | 17.76 | 15.35 | 12.25 | 7.1 | -13.72 |
| ↳ QoQ Growth | - | -13.6% | -20.2% | -42.0% | -293.2% |
| EPS | 2.14 | 1.84 | 1.47 | 0.85 | -1.65 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 248.17 | 259.4 |
| Expenses | 0 | 0 |
| Operating Profit | 71.79 | 33.44 |
| OPM % | 28.93% | 12.89% |
| Other Income | 1339.74 | 1181.91 |
| Interest | 114.28 | 121.24 |
| Depreciation | - | - |
| Profit Before Tax | 67.4 | 29.05 |
| Tax % | 22.17% | 27.78% |
| Net Profit | 52.46 | 20.98 |
| EPS | 6.3 | 2.51 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-52.01%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
2.61%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 83.22 | 83.2184 |
| Reserves | 636.08 | 721.9877 |
| Borrowings | 839.46 | 1535.2971 |
| Other Liabilities | 2647.17 | 2971.39 |
| Total Liabilities | 4205.93 | 5311.896 |
| Fixed Assets | 297.58 | 355.3306 |
| CWIP | - | 8.8132 |
| Investments | 2388.13 | 3254.4546 |
| Other Assets | 1520.22 | 1693.3 |
| Total Assets | 4205.93 | 5311.896 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | 76.194 | -306.7094 |
| Cash from Investing Activity | -164.454 | -142.7197 |
| Cash from Financing Activity | 126.899 | 695.8399 |
| Net Cash Flow | 38.639 | 246.4108 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 5554.49 |
| ROCE % | 1.9% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 75% | 75% | 75% | 75% |
| FIIs % | 2.67% | 2.69% | 1.33% | 0.31% |
| DIIs % | 3.35% | 0.45% | 0.4% | 0% |
| Public % | 14.65% | 15.65% | 17.43% | 18.76% |
| No. of Shareholders | 61,622 | 61,483 | 62,358 | 62,125 |
Major Shareholders (>1%)
- Fino Paytech LimitedPromoter and Promoter Group75.00%
- Sameer ManchandaPublic Shareholding1.44%
- Zodiac Wealth Advisors LlpPublic Shareholding1.11%
As of 2026-06-30View all shareholders →