Fino Payments Bank Limited
₹133.49▲ +0.74 (+0.56%)
FINOPB·NSE·Financial Services
Market Cap
1111.38 Cr
PE Ratio
21.19
Volume
1,45,923
Day High - Low
135.51 - 130.25
52W High-Low
339.00 - 110.03
₹133.49▲ +0.74 (+0.56%)
Market Cap1111.38 Cr
PE Ratio21.19
Volume1,45,923
Day High - Low135.51 - 130.25
52W High-Low339.00 - 110.03
Fino Payments Bank Limited (FINOPB): company summary
The company's revenue grew 27.3% annually, but net profit fell 43.6% year-on-year.
Fino Payments Bank Limited (FINOPB) is a micro-cap Financial Services company valued at ₹1,111 crore operating in Other Bank on the NSE and BSE.
- Recent price move
- Fino Payments Bank Limited last traded at ₹133.49, modestly up 0.56% on the day.
- Recent developments
- On 2026-10-08, the company's share price rose 17% following a Q2 business update, with loan referral disbursals increasing 223% to ₹278 crore. On 2026-09-15, the company reported strong August growth and secured a major defence contract. On 2026-08-28, the company is on track to submit readiness to RBI for transitioning to a SFB by Q4FY27. On 2026-08-13, the company swung to a loss in Q1 as digital payments recalibration impacted revenue.
- Financial performance
- The company's revenue grew 27.3% annually, but net profit fell 43.6% year-on-year. The latest quarter saw revenue rise 18.4% compared to the same quarter a year earlier, but the company swung from a net profit of ₹18 crore to a loss of ₹14 crore, indicating a sharp decline in profitability.
- Valuation multiples
- The stock trades at 21.2 times earnings, broadly in line with the Financial Services median of 19.3, 1.45 times book value.
- Things to watch
- The company's net profit margin fell 26.6 percentage points to 21.1%, and return on equity is low at 6.5%. The debt to equity ratio is high at 4.86, indicating significant leverage. The stock is 60.4% below its 52-week high, and the company has not paid dividends despite reporting profits.
- Where it stands
- The company's revenue has grown rapidly, but profitability has declined sharply, with net profit falling 43.6% year-on-year and a recent quarterly loss. The stock is far below its 52-week high, and the company remains highly leveraged. The most significant figure is the recent quarterly loss, which highlights challenges in maintaining profitability.
Summarised by DocStoX's model on 2026-10-18 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.
DocStoX Score
4.3/10
Weak
Fair Value
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ROE
6.52%
Weak
P/E
21.19x
Fair
Debt / Equity
4.86
High
Industry
Financial Services
Other Bank
Overall View
Weak
Price performance
Day₹130.25
₹135.51
52W₹110.03
₹339.00
DocStoX take
Supported by growth (7.4) and risk (6.2), but held back by momentum (0.0).
DocStoX score
Low confidence4.3
/10
Weak
Quality
Modest
ROE 6.5%
Valuation
Rich
P/E 21.2×
Growth
Steady
Revenue +65.5% 5Y CAGR
Risk
Moderate
D/E 4.86 (lender)
Momentum
Weak
10% of 52-week range
At a glance
Market Cap
₹1,111 Cr
52W High / Low
₹339 / ₹110
Dividend Yield
0.00%
Promoter Holding
75.00%
EPS (TTM)
₹6.30
Book Value
₹96.76
Key highlights
- Revenue compounding 65% a year
- Profitable in all of the last 5 years
- Profit compounding 21% a year
- Momentum is weak (0.0/10)
- Near the bottom of its 52-week range (10%)
4 Positives2 Watchouts
Growth
Financials
Technicals
Peers
News
Forecasts
About the company
More data
Filings, corporate actions and ownership detail — opened on demand.
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Fino Payments Bank Limited peers in Financial Services
Other Financial Services stocks on the NSE & BSE. See the full Financial Services sector list.
HDFC Bank LimitedICICI Bank LimitedState Bank of IndiaBajaj Finance LimitedLife Insurance Corporation Of IndiaKotak Mahindra Bank LimitedAxis Bank LimitedBajaj Finserv LimitedShriram Finance LimitedSBI Life Insurance Company LimitedJio Financial Services LimitedICICI Prudential Asset Management Company Limited
Compare Fino Payments Bank Limited with peers
Fino Payments Bank Limited vs HDFC Bank LimitedFino Payments Bank Limited vs ICICI Bank LimitedFino Payments Bank Limited vs State Bank of IndiaFino Payments Bank Limited vs Bajaj Finance LimitedFino Payments Bank Limited vs Life Insurance Corporation Of IndiaFino Payments Bank Limited vs Kotak Mahindra Bank Limited
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