Fino Payments Bank Ltd

543386

Overview

    • Equity Style Box

      Small Growth

    • Sector

      Financial Services

    • Industry

      Banks - Regional

    • Day Range

      242.25 – 256.70

    • Year Range

      180.50 – 466.40

    • Market Cap

      20.4884 Bil

    • Volume / Avg

      23.2 k / 33.7 k

    • Price / Sales

      1.61

    • Price / Book

      3.05

    • Price / Earnings

      21.92

    • Forward Div Yield

      0.00%

    • Trailing Div Yield

      —

Login To Show Full Chart

Summary

Fair Value Assessment
Undervalued (26% Discount)
Fair ValueQ335.79UncertaintyHigh
Close Price246.20Apr 30, 2025
Market Closed
₹ 246.20
Price Down by 12.20 | 4.72 %
Trading Information Business Description
Previous Close
246.20
Day Range
242.25 – 256.70
Year Range
180.50 – 466.40
Bid / Ask
—
Market Cap
20.5 Bil
Volume / Average
23.2 k / 33.7 k
Beta (3-Year)
–
Shares Outstanding
83.22 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Fino Payments Bank Ltd is a fintech company offering a diverse range of financial products and services that are digital and have a payments focus. It offers such products and services to the target market through a pan-India distribution network and proprietary technologies. The business of the Bank has been segregated into four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations.
Contact
TTC Industrial Area, Mindspace Juinagar Plot No Gen 2/1/F, Tower 1, 8 th Floor, Navi Mumbai, MH 400 706
T +91 2271047000
www.finobank.com opens in a new tab
Sector
Financial Services
Industry
Banks - Regional
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
2,682
As of Mar 31, 2024

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
12.79 5.56 4.47 3.78 3.18 2.43
Revenue Growth %
25.25% 24.29% 18.20% 18.82% 30.90% 28.12%
Net Income
0.94 0.86 0.65 0.43 0.20 -0.32
Net Profit Margin %
7.33% 15.52% 14.56% 11.30% 6.43% -13.17%
Basic EPS
11.26 10.36 7.82 5.34 2.62 -4.11
Diluted EPS
11.23 10.36 7.82 5.34 2.62 -4.11
Normalized EPS
11.83 10.70 8.42 5.55 — —
Total Dividends per Share
— — — — — —
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
35.26 34.19 24.66 16.80 10.10 6.24
Total Liabilities
28.35 27.76 19.14 12.00 8.60 4.94
Total Debt
22.33 21.25 13.51 7.50 4.24 2.28
Total Equity
6.91 6.43 5.53 4.80 1.51 1.30
Cash And Cash Equivalents
9.02 10.66 8.34 7.66 2.71 3.02
Shares Outstanding (Bil)
— — 0.08 0.08 0.08 —
— — 83.21 83.21 83.21 —
Book Value Per Share
80.63 75.46 65.10 57.28 — —
Total Debt To Equity
3.23 3.30 2.45 1.56 2.81 1.76
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
5.00 0.57 -0.20 2.07 -0.32 -0.84
Cash From Investing Activities
-1.29 -1.04 -0.97 -0.64 -0.69 -0.31
Cash From Financing Activities
-2.27 2.79 1.84 3.52 0.70 0.28
Free Cash Flow
0.41 0.43 0.27 0.14 0.22 -0.29
Change in Cash
1.45 2.32 0.68 4.95 -0.31 -0.86

Profile

There is no Key Executive Team data available.
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership


STOCKS
MUTUAL FUNDS
ADITYABIRLAAXISBajajBANDHANBARODABNPBOICANARADSPEDELWEISSFRANKLINTEMPLETONGROWWHDFCHELIOSHSBCICICIIIFLINVESCOITIJMKOTAKLICMahindraManulifeMIRAEMOTILALNAVINipponNJOldBridgePGIMPPFASQUANTQUANTUMSAMCOSBISHRIRAMSUNDARAMTATATAURUSTrustUNIONUTIWhiteOakZERODHA
INSURANCE FUNDS
ABSLAEGONAGEASFEDERALAVIVABAJAJALLIANZBHARTIAXACANARAHSBCORIENTBANKEDELWEISSTOKIOEXIDEFUTUREGENERALIHDFCICICIPRUDENTIALINDIAFIRSTKOTAKMAHINDRALICMAXLIFEPNBMETLIFEPRAMERICARELIANCENIPPONSAHARASBISHRIRAMSTARUNIONDAI-ICHITATAAIA

About Us

Connect With Us

© Copyright 2025 Morningstar, Inc. All rights reserved.
Terms of Use    Privacy Policy
© Copyright 2025 Morningstar, Inc. All rights reserved. Please read our Terms of Use above. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
As of December 1st, 2023, the ESG-related information, methodologies, tools, ratings, data and opinions contained or reflected herein are not directed to or intended for use or distribution to India-based clients or users and their distribution to Indian resident individuals or entities is not permitted, and Morningstar/Sustainalytics accepts no responsibility or liability whatsoever for the actions of third parties in this respect.
Company: Morningstar India Private Limited; Regd. Office: 9th floor, Platinum Technopark, Plot No. 17/18, Sector 30A, Vashi, Navi Mumbai – 400705, Maharashtra, India; CIN: U72300MH2004PTC245103; Telephone No.: +91-22-61217100; Fax No.: +91-22-61217200; Contact: Morningstar India Help Desk (e-mail: helpdesk.in@morningstar.com) in case of queries or grievances.
Top