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Fino Payments Bank Key Ratios

Stock Card factsheet watchlist-stock-modal share-fund-plan-icon

NSE: FINOPB | BSE: 543386

₹139.33

up-down-arrow ₹-0.90 (-0.64%)

As on 04-Sep-2026 15:57IST

Market cap

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₹1,158 Cr

Revenue (TTM)

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₹259 Cr

P/E Ratio

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55.2

P/B Ratio

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1.5

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Interest Income 12.68 18.43 23.01 33.47 63.96
Interest Expended 22.33 24.53 15.40 30.04 65.79
Net Interest Income 4.77 13.12 30.57 36.80 62.46
EPS -293.23 -177.25 -75.61 -34.21 -1.98
Book Value -- -- 14.54 14.70 38.97
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-25Mar-24
Net NPAs info ----0.00----
Net Interest Margin info 2.401.750.00----
Net Margin info 5.384.591.465.015.83
Return on equity info 13.7513.903.1913.7414.74
Return on Assets info 2.832.840.442.432.93

Profitability

View Detailed Peer Comparison

Yield on Advances

--

--

Interest Earned as per cent of total advances

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Yield on Investments

--

--

(Interest on investments + net profit on investments) / total investments

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
6.35
6.64
5.78
3.68
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Spread

--

--

[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
NIM

--

--

(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
--
--
2.40
1.45
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

3.19

Lower than Peers by 10.09

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
3.19
13.74
14.74
12.78
13.63
Peer Median
13.28
15.04
--
9.75
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.44

Lower than Peers by 0.69

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
0.44
2.43
2.93
3.14
3.18
Peer Median
1.14
1.16
--
0.61
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cost to Income Ratio

--

--

Operating expenses / (Interest earned - Interest Expended + Other Income) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
93.80
93.79
94.50
95.70
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

23.01

Higher than Peers by 9.52

Year on year growth in net sales

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
23.01
30.11
58.17
166.27
75.90
Peer Median
13.50
13.29
--
9.52
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

25.62

--

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
25.62
24.74
33.45
52.28
74.48
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

30.57

Higher than Peers by 10.13

Year on year growth in profit after tax

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
30.57
7.32
32.48
52.28
108.75
Peer Median
20.44
17.87
--
55.09
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-75.61

Lower than Peers by 89.51

Year on year growth in earnings per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
-75.61
7.31
32.48
52.28
95.71
Peer Median
13.90
10.58
--
52.94
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
14.55
15.92
13.66
216.61
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

55.19

Higher than Peers by 44.73

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
55.19
20.52
27.14
26.05
48.79
Peer Median
10.46
9.38
--
14.71
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.53

Higher than Peers by 0.03

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
1.53
2.64
3.73
3.13
4.38
Peer Median
1.50
1.38
--
1.51
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
--
--
--
--
--
Peer Median
0.70
1.14
--
0.56
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

54.26

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
54.26
25.27
35.15
32.72
54.63
Peer Median
--
4.40
--
1.51
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

1,158

Lower than Peers by 77,224

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Fino Payments Bank
1,158
1,899
2,340
1,695
2,085
Peer Median
78,382
60,073
--
36,672
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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