FINOPB · NSE
Fino Payments Bank Limited
₹135.48
-0.70% (-₹0.95)
Prev. close
₹136.43
Volume
82,685
Delivery %
50.6%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Fino Payments Bank Limited
Fino Payments Bank Limited provides financial solutions and services in India. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance products, as well as fixed deposit and sweep account facility. It also provides cash management services to various sectors, such as micro-finance, banking, logistics, e-commerce, agri-tech, and retail as well as mobile banking through the FinoPay app. In addition, the company offers loan referrals, business correspondent using the Aadhaar authentication, domestic money transfer, and micro ATM services, Aadhaar Pay; and bill payment and recharges. The company was formerly known as Fino Fintech Limited and changed its name to Fino Payments Bank Limited in April 2017. The company was founded in 2006 and is based in Navi Mumbai, India. Fino Payments Bank Limited is a subsidiary of FINO PayTech Limited.
Details
Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. Ketan Dhirendra Merchant
Headquarters
Navi Mumbai
Employees
732
Website
fino.bank.inExchange
View on NSE ↗Key stats
Market cap
₹1,127.44 Cr
P/E ratio (TTM)
54.0
EPS (TTM)
₹2.51
Beta (1Y · daily vs NIFTY 50)
1.51
Beta (5Y · monthly vs NIFTY 50)
1.67
Shares float
1.80 Cr
EPS · quarter ended Jun 2026
₹-1.65
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | ₹1,008.85 Cr | ₹447.04 Cr | ₹555.61 Cr | ₹677.52 Cr | ₹694.82 Cr | |
| ₹20.00 Cr | ₹42.74 Cr | ₹65.09 Cr | ₹86.22 Cr | ₹92.53 Cr | ₹52.46 Cr | |
| Diluted EPS | — | ₹5.34 | ₹7.82 | ₹10.36 | ₹11.08 | ₹6.29 |
Revenue, Employee benefit expense, Depreciation & amortisation, Tax provision, Interest expense, Other income, Diluted EPS have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1,010.00 Cr | ₹1,680.00 Cr | ₹2,466.00 Cr | ₹3,419.00 Cr | ₹4,206.00 Cr | ₹5,312.00 Cr | |
| Total debt | ₹180.80 Cr | ₹249.65 Cr | ₹434.06 Cr | ₹712.65 Cr | ₹839.46 Cr | ₹1,535.30 Cr |
| Stockholders' equity | — | — | ₹552.55 Cr | ₹643.17 Cr | ₹746.88 Cr | ₹805.21 Cr |
Stockholders' equity has filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-32.00 Cr | ₹207.00 Cr | ₹-20.00 Cr | ₹57.00 Cr | ₹76.00 Cr | ₹-307.00 Cr | |
| Investing cash flow | — | ₹-64.31 Cr | ₹-96.53 Cr | ₹-103.76 Cr | ₹-164.45 Cr | ₹-142.72 Cr |
| ₹70.00 Cr | ₹352.00 Cr | ₹184.00 Cr | ₹279.00 Cr | ₹127.00 Cr | ₹696.00 Cr | |
| Capital expenditure | ₹-69.00 Cr | ₹-64.00 Cr | ₹-94.00 Cr | ₹-104.00 Cr | ₹-165.00 Cr | ₹-143.00 Cr |
| End cash position | ₹270.82 Cr | ₹766.16 Cr | ₹833.94 Cr | ₹1,065.55 Cr | ₹1,104.19 Cr | ₹1,350.60 Cr |
Depreciation & amortization, Investing cash flow, Dividends paid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Nov 21–Jun 26(20Q) |
|---|---|
| Promoter | 75.00% |
| Public | 25.00% |
| Employee trusts | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Fino Payments Bank Limited | ₹1,135.35 Cr | ₹135.48 | 54.6 | 1.41 | 6.5% | 1.91 | +2.6% | -50.8% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Show all 12
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
2 indices
Weight is BSE’s own published index weight. Indices without weight data are listed without one, in alphabetical order after the weighted ones.