Fino Payments Bank Peer Comparison

NSE: FINOPB | BSE: 543386

₹116.83

₹-6.15 (-5.00%)

As on 30-Oct-2026IST

Market cap

₹980 Cr

Revenue (TTM)

₹274 Cr

P/E Ratio

P/B Ratio

1.3

Div. Yield

0 %

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	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Market cap (₹ Cr)	980	54,504	34,028	25,996	21,277
Interest Income (₹ Cr)	274	15,550	11,983	38,888	7,689
Net Interest Income (₹ Cr)	144.67	7,116.41	5,518.14	15,638.71	3,230.91
NIM (%)	--	--	4.26	--	--
RoA (%)	-0.30	0.64	2.11	0.87	1.59
Price to Earnings	--	45.23	11.50	5.39	14.28
Price-To-Book	1.33	1.26	2.21	0.69	1.90

Income Statement (₹ Cr)

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Interest Earned	273.75	15,549.99	11,982.65	38,887.57	7,688.54
Other Income	1,101.13	4,123.71	2,001.35	5,467.24	1,129.62
Total Income	1,374.88	19,673.70	13,984.00	44,354.81	8,818.16
Interest Expended	129.08	8,433.58	6,464.51	23,248.86	4,457.63
Operating Expenses	1,254.48	7,013.57	3,009.59	12,219.04	2,026.31
Operating Profit before Prov. & Cont.	67.41	3,365.60	4,074.98	8,607.03	2,014.23
Provisions and Contingencies	0.00	2,683.40	571.25	2,179.01	414.00
Profit Before Tax	67.41	1,105.99	3,320.05	4,483.52	1,671.23
Taxes	2.20	338.19	980.34	1,900.32	430.00
Profit after Tax	-15.27	1,204.96	2,958.31	4,807.58	1,490.21
Minority Interest	0.00	0.00	0.00	-6.51	0.00
Share of Associate	0.00	0.00	0.00	18.06	0.00
Consolidated Profit	-15.27	1,204.96	2,958.31	4,819.13	1,490.21

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Shareholder's Funds	770.68	43,453.95	15,392.90	41,638.52	11,192.45
Minority Interest	0.00	0.00	0.00	-6.51	0.00
Deposits	2,299.40	1,56,103.79	1,28,123.29	5,08,862.56	83,893.12
Borrowings	2,224.64	13,371.78	2,320.91	38,908.14	5,280.39
Other Liabilities & Provisions	599.15	9,359.15	4,993.62	9,517.52	3,096.44
Total Liabilities	5,311.90	1,80,746.93	1,36,603.09	5,51,079.15	97,024.40

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Cash and Balance with Reserve Bank of India	92.97	10,246.82	5,691.06	17,809.55	4,000.37
Balances with Banks and Money at Call	1,168.50	15,548.08	1,968.98	25,135.09	4,325.04
Investments	3,924.81	42,782.76	27,731.35	1,64,474.70	20,203.84
Advances	0.04	1,42,314.08	1,11,015.22	3,74,377.36	71,742.67
Net Block	355.33	601.77	454.81	5,201.69	468.53
Other Assets	356.24	10,803.77	3,911.50	12,052.98	2,639.96
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	5,311.90	1,80,746.93	1,36,603.09	5,51,079.15	97,024.40

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Cash From Operating Activities	-306.71	7,612.27	-553.95	2,803.99	802.47
Cash Flow from Investing Activities	-142.72	-224.91	-1,745.12	-453.87	-207.85
Cash from Financing Activities	695.84	3,159.95	-205.01	-712.82	3,041.91
Net Cash Inflow / Outflow	246.41	10,547.31	-2,504.08	1,637.30	3,636.53

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Yield on Advances	0.00	12.55	11.28	10.69	10.43
Yield on Investments	5.59	7.93	7.05	7.20	6.72
Interest Spread	0.00	7.43	6.09	6.31	5.60
NIM (%)	0.00	0.00	4.26	0.00	0.00
ROE (%)	-1.38	4.00	20.06	11.95	13.70
ROA (%)	-0.30	0.64	2.11	0.87	1.59
Cost to Income Ratio	95.43	67.91	41.98	58.33	47.93

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Revenue Growth (%)	22.63	11.37	15.43	12.41	22.63
EBIT Growth (%)	-37.79	-7.90	26.85	5.28	19.99
Net Profit Growth (%)	-119.04	122.73	40.55	7.07	23.31
EPS Growth (%)	-113.54	39.54	22.65	5.57	6.54
Book Value Growth (%)	7.08	6.77	0.26	6.62	11.60

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Price / Earnings	-64.17	45.23	11.50	5.39	14.28
Price / Book Value	1.33	1.26	2.21	0.69	1.90
Dividend Yield (%)	0.00	0.28	0.74	4.18	0.70
EV/EBITDA	-1.05	469.02	12.50	5.85	14.67
Market Cap (₹ Cr)	981.55	17,916.63	27,940.59	28,467.59	17,825.64

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