Fino Payments Bank Peer Comparison

NSE: FINOPB | BSE: 543386

₹141.60

₹-3.93 (-2.70%)

As on 09-Oct-2026 14:29IST

Market cap

₹1,182 Cr

Revenue (TTM)

₹259 Cr

P/E Ratio

56.3

P/B Ratio

1.6

Div. Yield

0 %

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	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Market cap (₹ Cr)	1,182	64,412	32,675	27,245	22,283
Interest Income (₹ Cr)	259	14,736	11,555	37,270	7,249
Net Interest Income (₹ Cr)	138.16	6,536.59	5,281.95	14,771.97	3,024.68
NIM (%)	--	--	4.26	--	3.78
RoA (%)	0.44	0.55	2.14	0.87	1.61
Price to Earnings	56.35	71.64	11.91	5.97	15.88
Price-To-Book	1.56	1.50	2.20	0.73	2.03

Income Statement (₹ Cr)

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Interest Earned	259.40	14,735.81	11,555.22	37,270.22	7,249.41
Other Income	1,181.91	3,977.83	2,078.86	5,593.93	1,038.54
Total Income	1,441.31	18,713.64	13,634.08	42,864.15	8,287.96
Interest Expended	121.24	8,199.22	6,273.27	22,498.25	4,224.74
Operating Expenses	1,286.63	6,959.61	2,995.73	11,962.89	1,919.34
Operating Profit before Prov. & Cont.	67.41	3,365.60	4,074.98	8,607.03	2,014.23
Provisions and Contingencies	0.00	2,416.57	727.09	1,930.89	351.00
Profit Before Tax	67.41	1,105.99	3,320.05	4,483.52	1,671.23
Taxes	8.07	239.18	893.41	1,920.12	390.00
Profit after Tax	20.98	899.06	2,744.58	4,552.00	1,402.89
Minority Interest	0.00	0.00	0.00	-6.31	0.00
Share of Associate	0.00	0.00	0.00	19.24	0.00
Consolidated Profit	20.98	899.06	2,744.58	4,564.93	1,402.89

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Shareholder's Funds	805.21	16,724.24	14,107.87	40,958.07	10,564.86
Minority Interest	0.00	0.00	0.00	-6.31	0.00
Deposits	2,379.49	1,38,959.35	1,15,665.74	4,79,410.49	78,307.95
Borrowings	1,535.30	16,796.44	2,622.56	28,818.57	5,326.80
Other Liabilities & Provisions	591.90	8,266.89	4,206.92	9,322.64	2,824.78
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	154.29	14,011.59	5,154.39	18,080.94	6,267.33
Balances with Banks and Money at Call	1,196.31	9,054.26	148.25	19,024.66	2,659.74
Investments	3,254.45	32,058.63	29,019.89	1,54,862.65	18,986.92
Advances	0.09	1,14,231.94	98,190.61	3,48,040.83	65,875.17
Net Block	355.33	601.77	454.81	5,201.69	468.53
Other Assets	342.62	10,768.22	3,588.33	13,368.09	2,766.70
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	3.78
ROE (%)	3.19	5.47	20.40	11.35	13.69
ROA (%)	0.44	0.55	2.14	0.87	1.61
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 (%)	23.01	5.37	16.02	9.45	19.81
EBIT Growth (%)	-37.79	-7.90	26.85	5.28	19.99
Net Profit Growth (%)	-75.61	54.95	36.93	8.61	20.41
EPS Growth (%)	-70.48	28.93	14.04	6.25	11.99
Book Value Growth (%)	7.08	6.77	-1.50	6.62	11.60

	Fino Payments Bank	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Price / Earnings	58.03	69.23	11.60	5.95	15.54
Price / Book Value	1.61	1.45	2.14	0.73	1.99
Dividend Yield (%)	0.00	0.25	0.79	4.00	0.68
EV/EBITDA	-1.22	-132.33	12.75	7.54	16.47
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.