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Fino Payments Bank LtdOther BankINE02NC01014Standalone₹135.85-0.60 (-0.44%)Jun-26

Valuation

Market Cap₹1.13K Cr

TTM PE53.98x

Forward PE151.66x

PEG-0.90

Book Value₹96.76

P/B1.40x

TTM EPS₹2.51

Fwd EPS₹0.89

TTM Revenue₹259.40 Cr

TTM PAT₹20.98 Cr

Last Qtr PAT₹-13.72 Cr

Profitability

ROE2.61%

ROCE1.00%

TTM NPM8.09%

Curr OPM-4.47%

Last OPM2.09%

Curr NPM—

Last NPM—

Curr EPS₹-1.65

Last EPS₹0.85

Balance sheet

Equity₹83.22 Cr

Reserve₹721.99 Cr

Total Debt₹1,535.30 Cr

D/E1.91x

Interest %0.00%

Curr Interest₹0.00 Cr

Price / range

Close₹135.48

vs 52W High-60.04%

vs 52W Low+23.05%

MA50—

MA200—

Returns

1D-0.70%

1W-2.86%

1M-10.74%

3M-13.28%

6M-11.21%

1Y-50.78%

2Y-65.71%

3Y-59.90%

5Y—

Diwali-47.48%

Sector peers — Other Bank

Company	Close	Mkt Cap	TTM P/E	ROE
AUBANK	1058.60	₹79.29K Cr	27.70	14.30%
UJJIVANSFB	65.02	₹12.65K Cr	13.92	13.29%
EQUITASBNK	74.09	₹8.47K Cr	16.57	8.33%
JSFB	527.30	₹5.55K Cr	14.62	8.50%
UTKARSHBNK	14.17	₹2.52K Cr	-2.06	-34.06%
ESAFSFB	39.19	₹2.02K Cr	19.50	-0.29%
SURYODAY	146.63	₹1.56K Cr	8.12	9.23%
CAPITALSFB	278.90	₹1.27K Cr	8.40	10.31%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	72.23+18.4%	64.10	62.96	60.11	60.99	248.18
Other Income	234.64	275.88	331.45	339.94	392.48	1,339.75
Total Income	306.87-32.3%	339.98	394.41	400.05	453.47	1,587.93
Interest	0	0	0	0	0	0
Expenditure	-285.26+28.8%	-305.71	0	0	-400.47	-1,401.85
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	-13.72-155.7%	4.10	17.45	21.22	24.63	67.41
Tax	0	3	-5.20	-5.87	-6.87	-14.95
Equity	83.22	83.22	83.22	83.22	83.22	83.22
OPM	-4.47	1.21	27.72	35.30	5.43	4.25
Net Profit	-13.72-177.3%	7.10	12.25	15.35	17.76	52.46
NPM	-4.47	2.09	19.46	25.54	3.92	3.30
EPS	-1.65-177.5%	0.85	1.47	1.84	2.13	6.30

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24	FY 22-23
Revenue	248.18+27.1%	195.23+30.1%	150.05+58.2%	94.86
Other Income	1,339.75	1,651.87	1,328.33	1,135.05
Total Income	1,587.93-14.0%	1,847.10+24.9%	1,478.38+20.2%	1,229.91
Expenditure	-1,401.85+14.4%	-1,638.17-24.8%	-1,312.62-17.5%	-1,117.46
Interest	0	0	0	0
PBDT	0	0	0	0
Depreciation	0	0	0	0
PBT	67.41-37.8%	108.35+25.6%	86.30+32.6%	65.08
Tax	-14.95	-15.82	-0.08	0
Equity	83.22	83.22	83.21	83.21
OPM (%)	4.25	5.87	6.00	5.00
Net Profit	52.46-43.3%	92.53+7.3%	86.22+32.5%	65.08
NPM (%)	3.30	5.01	6.00	5.00
EPS (Rs)	6.30-43.3%	11.12+7.3%	10.36+32.5%	7.82
CEPS	6.29	11.08	10.36	7.82

Metric	FY25-26
Revenue	248.18
Other Income	1,339.75
Total Income	1,587.93
Interest	0
Expenditure	-1,401.85
PBDT	0
Depreciation	0
PBT	67.41
Tax	-14.95
Equity	83.22
OPM	4.25
Net Profit	52.46
NPM	3.30
EPS	6.30

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	248.18+27.1%	195.23
Other Income	1,339.75	1,651.87
Total Income	1,587.93-14.0%	1,847.10
Expenditure	-1,401.85+14.4%	-1,638.17
Interest	0	0
PBDT	0	0
Depreciation	0	0
PBT	67.41-37.8%	108.35
Tax	-14.95	-15.82
Equity	83.22	83.22
OPM (%)	4.25	5.87
Net Profit	52.46-43.3%	92.53
NPM (%)	3.30	5.01
EPS (Rs)	6.30-43.3%	11.12
CEPS	6.29	11.08

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

No dividend history.

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split