Fino Payments Bank Ltd
NSE: FINOPB · Other Bank · sector
₹119.57NSE close 2026-10-26
Key numbers
Market cap₹995 cr
Price₹119.57
52w high / low₹339 / ₹110
P/E47.6xSector median 12.4x
P/B1.2xSector median 1.1x
Book value₹96.8
Dividend yield–Sector median 0.11%
ROE2.7%Sector median 8.8%
ROA0.39%Sector median 0.84%
Gross NPA0.00%
Net NPA0.00%
CET173.46%
Sales growth 3y+91.0%Sector median +31.9%
Profit growth 3y+7.1%Sector median +7.1%
PEG8.41x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Net loss in 1 of the last 8 quarters.
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 4 financial years.
- Price ₹119.57 on 2026-10-26: -64.7% from the 52-week high, +8.7% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹415.85 · low ₹117.95
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 48 | 49 | 53 | 61 | 60 | 63 | 64 | 72 |
| Net interest income | 23 | 24 | 27 | 33 | 32 | 34 | 35 | 37 |
| Operating profit | 26 | 28 | 30 | 25 | 21 | 21 | 5 | -14 |
| Other income | 408 | 412 | 441 | 392 | 340 | 331 | 276 | 235 |
| Net profit | 21 | 23 | 24 | 18 | 15 | 12 | 7 | -14 |
| EPS (₹) | 2.54 | 2.78 | 2.89 | 2.13 | 1.84 | 1.47 | 0.85 | -1.65 |
| Gross NPA % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Revenue YoY | +25.9% | +27.6% | +21.4% | +18.4% | ||||
| Profit YoY | -27.4% | -47.0% | -70.4% | -177.3% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|
| Revenue | 36 | 150 | 195 | 248 | 259 |
| Net profit | 43 | 86 | 93 | 52 | 21 |
| EPS (₹) | 5.34 | 10.36 | 11.12 | 6.30 | 2.51 |
| Revenue growth | +321.1% | +30.1% | +27.1% | +23.0% | |
| Profit growth | +101.7% | +7.3% | -43.3% | -75.6% | |
| Dividend / share (₹) | – | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +91.0% | – | +23.0% |
| Net profit | +7.1% | – | -75.6% |
| EPS | +5.7% | – | – |
| Share price | – | -44.4% (2y) | -62.4% |
Balance sheet
| ₹ cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Shareholders' equity | – | 643 | 747 | 805 |
| Borrowings | – | 713 | 839 | 1,535 |
| Cash & equivalents | – | 0 | 0 | 0 |
| Total assets | – | 3,419 | 4,206 | 5,312 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | 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 | 0 | 0 | 110 | 0 |
| Free cash flow | 207 | 57 | -34 | -307 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ROE % | – | 13.4% | 12.4% | 6.5% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 75.00% |
| FIIs | 0.03% |
| DIIs | 0.00% |
| of which Mutual funds | 0.00% |
| of which Insurance | 0.00% |
| Government | 0.00% |
| Public (non-institutions) | 24.97% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% |
| Promoter group | % |
|---|---|
| Fino Paytech Limited | 75.00% |
| Rishi Gupta | 0.00% |
| Viprraj Bhardwaj | 0.00% |
| Rajeev Arora | 0.00% |
| Shailesh B Pandey | 0.00% |
| Amit Kumar Jain | 0.00% |
| Ashish Ahuja | 0.00% |
| FFPL Finserv Private Limited | 0.00% |
| Fino Trusteeship Services Limited | 0.00% |
| Fino Financial Services Private Limited | 0.00% |
| Bharat Petroleum Corporation Limited | 0.00% |
| Public holders above 1% | % |
|---|---|
| Sameer Manchanda | 1.44% |
| Zodiac Business Ventures LLP | 1.11% |
65,755 shareholders. Pledged: – of promoter shares.
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹65,086 cr | 22.7x | 3.3x | 15.4% | 1.49% | 2.10% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,731 cr | 9.3x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,354 cr | 14.4x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹3,989 cr | 10.5x | 0.9x | 8.8% | 0.80% | 2.39% | – | – |
| UTKARSHBNK | ₹2,086 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹1,932 cr | 17.4x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,385 cr | 7.2x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,187 cr | 7.9x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.53% |
| FINOPB | ₹995 cr | 47.6x | 1.2x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Other Banking Operations | ₹846 cr | 53.3% | ₹34 cr | 4.0% |
| Retail Banking | ₹494 cr | 31.1% | ₹235 cr | 47.5% |
| Treasury | ₹248 cr | 15.6% | ₹176 cr | 71.1% |
| Unallocated | ₹1 cr | 0.0% | ₹0 cr | 0.0% |
| Corporate/ Wholesale Banking | ₹0 cr | – | ₹0 cr | – |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial Services: Payments Bank Activities
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | FINOPB |
| BSE code | 543386 |
| ISIN | INE02NC01014 |
| Face value | ₹10.0 |
| Incorporated | 2007-06-23 |
| Website | https://www.fino.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.