Fino Payments Bank Financials

NSE: FINOPB | BSE: 543386

₹137.64

₹-2.33 (-1.66%)

As on 09-Sep-2026IST

Market cap

₹1,147 Cr

Revenue (TTM)

₹259 Cr

P/E Ratio

54.7

P/B Ratio

1.5

Div. Yield

0 %

Income Statement (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Interest Earned	259.40	195.23	150.05	94.86	35.63	20.25
Other Income	1,181.91	1,651.87	1,328.34	1,135.05	973.23	770.77
Total Income	1,441.31	1,847.10	1,478.38	1,229.91	1,008.85	791.03
Interest Expended	121.24	100.58	78.90	47.37	15.31	9.54
Operating Expenses	1,286.63	1,638.17	1,312.62	1,117.46	950.81	756.99
Operating Profit before Prov. & Cont.	33.44	108.35	86.86	65.09	42.74	24.50
Provisions and Contingencies	--	--	0.56	--	--	4.02
Profit Before Tax	29.05	108.35	86.30	65.09	42.74	20.47
Taxes	8.07	15.82	0.08	--	--	--
Profit after Tax	20.98	92.53	86.22	65.09	42.74	20.47
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	20.98	92.53	86.22	65.09	42.74	20.47

Liabilities (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Shareholder's Funds	805.21	746.88	643.17	552.55	479.83	150.55
Minority Interest	--	--	--	--	--	--
Deposits	2,379.49	1,939.44	1,412.54	917.15	502.67	242.84
Borrowings	1,535.30	839.46	712.65	434.06	249.65	180.80
Other Liabilities & Provisions	591.90	680.16	650.75	562.64	447.85	436.11
Total Liabilities	5,311.90	4,205.93	3,419.11	2,466.40	1,680.00	1,010.29

Assets (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Cash and Balance with Reserve Bank of India	154.29	182.86	317.43	219.94	223.86	88.32
Balances with Banks and Money at Call	1,196.31	921.33	748.12	614.00	542.31	182.50
Investments	3,254.45	2,388.13	1,746.93	1,146.43	631.40	503.56
Advances	0.09	0.17	0.07	0.12	0.24	0.13
Net Block	364.14	167.35	147.91	139.43	92.29	62.41
Other Assets	342.62	415.87	411.32	341.00	189.45	171.57
Miscellaneous Exp. Not Written Off	--	--	--	--	--	--
Total Assets	5,311.90	4,205.93	3,419.11	2,466.40	1,680.00	1,010.29

Cashflow (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Cash From Operating Activities	--	76.19	56.78	-20.10	207.44	-32.22
Cash Flow from Investing Activities	--	-164.45	-103.76	-96.53	-64.31	-68.95
Cash from Financing Activities	--	126.90	278.59	184.41	352.22	70.01
Net Cash Inflow / Outflow	--	38.64	231.61	67.78	495.35	-31.16

Financials Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Adjusted EPS (₹)	2.52	11.12	10.36	7.82	5.14	2.62
Cash EPS (₹)	2.52	18.59	16.78	12.85	9.40	9.49
Adjusted Book Value (₹)	90.91	86.44	75.46	65.10	57.28	19.30
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	--	9.16	6.82	-2.42	24.93	-7.23
Free Cash Flow per Share (₹)	--	-13.47	-6.57	-15.51	17.23	-26.52

Profitability Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Yield on Advances	--	--	--	--	--	--
Yield on Investments	--	6.35	6.64	5.78	3.68	2.00
Interest Spread	--	--	--	--	--	--
NIM (%)	--	--	--	2.40	1.45	1.38
ROE (%)	3.19	13.74	14.74	12.78	13.63	14.59
ROA (%)	0.44	2.43	2.93	3.14	3.18	2.51
Cost to Income Ratio	--	93.80	93.79	94.50	95.70	96.87

Growth Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Revenue Growth (%)	23.01	30.11	58.17	166.27	75.90	11.72
EBIT Growth (%)	25.62	24.74	33.45	52.28	74.48	179.01
Net Profit Growth (%)	30.57	7.32	32.48	52.28	108.75	163.91
EPS Growth (%)	-75.61	7.31	32.48	52.28	95.71	163.91
Book Value Growth (%)	--	14.55	15.92	13.66	216.61	15.74

Valuation Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21
Price / Earnings	54.66	20.52	27.14	26.05	48.79	--
Price / Book Value	1.52	2.64	3.73	3.13	4.38	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	53.93	25.27	35.15	32.72	54.63	9.20
Close Price (₹)	143.29	227.89	284.30	204.25	251.40	--
High Price (₹)	339.00	467.00	384.00	326.00	583.35	--
Low Price (₹)	110.03	200.00	201.00	180.20	210.05	--
Market Cap (₹ Cr)	1,146.75	1,898.64	2,340.40	1,695.49	2,085.35	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)