FI
Fino Payments Bank Ltd (FINOPB)
₹128.22
Mkt cap
₹1,127 Cr
P/E ratio
46.10
P/B
1.32
Div yield
0.00%
ROE
6.76%
ROCE
4.41%
EPS (TTM)
₹2.78
Book value
₹97
52W range
110–339
Sector
Financial Services
Price history
Previous close
Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underserved and underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygital model, combining merchant-led assisted banking with digital channels viz FinoPay. Core offerings include CASA accounts, cash management services, domestic money transfer, AePS/Micro ATM, UPI and mobile banking; loans, fixed deposits and insurance distributed through partner arrangements [1] [2]
NSE FINOPBBSE 543386
Health check
Cautious
ValuationExpensive
ProfitabilityWeak
TechnicalsBearish
52-week range
−62.18% from high₹128
₹110+16.53% from low₹339
Current
₹128.22
Prev close
₹127.21
Day
+0.79%
Price performance
1D
+2.04%
1W
+0.40%
1M
−4.87%
3M
−4.98%
6M
+9.89%
1Y
−51.41%
YTD
−50.48%
Financials
Revenue, profit & margin
P/E ratio
46.1×
FINOPB is 214% above the sector median of 14.7×
FINOPB46.1×
Sector median14.7×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 33 | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 | 60 | 63 | 64 | 72 | |
| Interest | 15 | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 | 28 | 29 | 29 | 35 | |
| Expenses | 314 | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 | 351 | 344 | 306 | 285 | |
| Financing Profit | -297 | -303 | -308 | -335 | -367 | -382 | -384 | -411 | -368 | -319 | -311 | -270 | -248 | |
| Financing Margin % | -900% | -828% | -787% | -808% | -810% | -799% | -777% | -779% | -603% | -530% | -494% | -422% | -344% | |
| Other Income | 315 | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 | 340 | 328 | 275 | 235 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 19 | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 | 17 | 4 | -14 | |
| Tax % | 0% | 0% | 0% | 0% | 0% | 18% | 19% | 19% | 28% | 28% | 30% | -73% | 0% | |
| Net Profit | 19 | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 | 12 | 7 | -14 | |
| EPS in Rs | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 | 0.85 | -1.65 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −8.22% · closed higher next day 0 of last 1
| Q1FY27 | |
|---|---|
| Broadcast | 13 Aug '26◦ |
| Earnings day | −8.22% |
| +1 day | −10.23% |
| +5 days | −10.86% |
| +15 days | −14.89% |
| +30 days | −22.28% |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202675.00%Promoter
Promoters75.00%
FIIs0.31%1.02
DIIs0.00%0.40
Public24.68%1.41
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| AU Small Finance | ₹1,058.60 | 27.82 | 79,456 | 0.09% | 796 | +37.03% | 5,303 | +21.11% | 7.66% |
| Ujjivan Small | ₹65.02 | 13.98 | 12,669 | 0.00% | 317 | +206.67% | 2,025 | +25.08% | 7.73% |
| Equitas Sma. Fin | ₹74.09 | 16.61 | 8,477 | 0.00% | 184 | +182.06% | 1,960 | +18.89% | 6.43% |
| Jana Small Finan | ₹527.30 | 14.68 | 5,576 | 0.00% | 155 | +52.29% | 1,515 | +22.08% | 7.45% |
| Utkarsh Small F. | ₹14.17 | — | 2,522 | 0.00% | −34 | +85.84% | 884 | +0.30% | 1.46% |
| ESAF Small Fin | ₹39.19 | — | 2,023 | 0.00% | 80 | +198.60% | 1,098 | +32.54% | 5.65% |
| Suryoday Small | ₹146.63 | 8.12 | 1,559 | 1.02% | 75 | +113.10% | 622 | +25.69% | 7.33% |
| Fino Payments | ₹135.48 | 46.11 | 1,127 | 0.00% | −14 | −177.25% | 72 | +18.43% | 4.41% |
| Median: 9 Co. | ₹135.48 | 14.68 | 2,522 | 0.00% | 80 | +85.84% | 1,098 | +21.11% | 7.07% |
Filings
Annual reports6
Concall transcripts47
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026TranscriptMar 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptOct 2024PPTOct 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024
Credit ratings6
Announcements5
Business Performance Update - August 2026 10 Sep - August 2026 performance update: deposits up 12%, loan disbursals up 367%, throughput mixed.Announcement under Regulation 30 (LODR)-Newspaper Publication 8 Sep - Post-Dispatch Newspaper Publication for the 10th Annual General Meeting of the Bank scheduled to be held on Tuesday, September 29, 2026 is enclosed herewith.Business Responsibility and Sustainability Reporting (BRSR) 7 Sep - Fino Payments Bank filed FY2025-26 BRSR with annual report, disclosing RBI penalty, CID lien, and SEBI settlement.Notice Of 10Th Annual General Meeting To Be Held On Tuesday, September 29,2026 7 SepReg. 34 (1) Annual Report. 7 Sep