MarketsStocksFINOPB
FI

Fino Payments Bank Ltd

NSE: FINOPB BSE: 543386BankingBank
136.21
+3.72%
NSE · auto-updates while market open
Prev Close
₹266.13
Day High
₹137.44
Day Low
₹133.80
Mkt Cap
₹1,134 Cr
P / E
21.6
P / B
1.4
ROE
6.8%
52W High
₹339.00
52W Low
₹110.03
Delivery
40% · avg 41%
Key Metrics
Market Cap
₹1,134 Cr
P / E
21.61
P / B
1.41
EV / EBITDA
-
ROCE
-
ROE
6.8%
Debt / Equity
-
Book Value
₹96.76
EPS
-
Div Yield
0.0%
Face Value
₹10
Promoter Holding
75.0%
Revenue · ₹ Cr
1.0k
FY22
1.2k
FY23
1.5k
FY24
1.8k
FY25
1.6k
FY26
Net Profit · ₹ Cr
43
FY22
65
FY23
86
FY24
93
FY25
52
FY26
P / E Ratio · price ÷ TTM EPS
Trading at 21.7× - 25% below its own 5-year median of 29.0×.
92848671360-1Mar 22Aug 23Jan 25Jun 26
P/E 21.7×Median 29.0×TTM EPS
Cash Flow Trend · ₹ Cr
207
207
FY22
−20
−20
FY23
57
57
FY24
76
−34
FY25
−307
−307
FY26
Operating cash flowFree cash flow (CFO − capex)Cash conversion: CFO = 4% of net profit (5y)
Q4 '26 · Bank snapshot
Interest income
₹64 Cr
Interest expended
₹29 Cr
Other income
₹276 Cr
Operating exp.
-
Provisions
₹0 Cr
Net profit
₹7 Cr
Bank quality · Q4 '26
Gross NPA
0.00%
Net NPA
0.00%
CET-1
-
CRAR
-
RoA
-
Net Profit
₹7 Cr
Scorecard · 7 axes
Quality
Avg
46/100
Valuation
Good
21.6×
Growth
Avg
+8.6%
Profitability
Bad
3.4%
Performance
Bad
-49.0%
Entry Point
Strong
40%
Red Flags
Strong
0 flags
Shareholding Pattern
75.0%Promoter
Promoter75.0%
FII1.3%
DII0.4%
Public23.3%
Quarterly Results · ₹ Cr
QuarterQ3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26
Revenue461.34493.49453.47400.05394.41339.98
Net Profit23.112417.7615.3512.257.1
NPM %5.0%4.9%3.9%3.8%3.1%2.1%
AlertPre-trade