Fino Payments Bank Q2 FY27: Revenue Rs 333.60 cr, PAT loss widens YoY
For Q2 FY27, Fino Payments Bank reported revenue of Rs 333.60 cr and a PAT loss of Rs (20.90) cr versus a profit of Rs 15.40 cr a year earlier, as per the bank-level profit & loss in the investor
Key takeaways
- Revenue Rs 333.60 cr in Q2’27 vs Rs 400.10 cr in Q2’26, per bank-level profit & loss.
- Net revenue Rs 127.10 cr in Q2’27 vs Rs 148.60 cr in Q2’26, as shown in the table.
- EBITDA Rs 35.10 cr in Q2’27 vs Rs 61.60 cr in Q2’26, according to the investor presentation.
- PAT moved to a loss of Rs (20.90) cr in Q2’27 from Rs 15.40 cr profit in Q2’26.
Q2 FY27 · standalone
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 333.60 cr | Rs 400.10 cr | -16.6% |
| PAT | Rs (20.90) cr | Rs 15.40 cr | -235.7% |
| Margin | 38.1% | 37.1% | +1.0% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Total expenses fell 6.4% while revenue fell 16.6%.
• Revenue: Rs 333.60 cr (Q2’27) vs Rs 400.10 cr (Q2’26)
• Net Revenue: Rs 127.10 cr (Q2’27) vs Rs 148.60 cr (Q2’26)
• Net Revenue Margin %: 38.1% (Q2’27) vs 37.1% (Q2’26)
• Operating Cost: Rs 92.10 cr (Q2’27) vs Rs 87.00 cr (Q2’26)
• EBITDA: Rs 35.10 cr (Q2’27) vs Rs 61.60 cr (Q2’26)
• PBT: Rs (20.90) cr (Q2’27) vs Rs 21.20 cr (Q2’26)
• PAT: Rs (20.90) cr (Q2’27) vs Rs 15.40 cr (Q2’26)
For the half year, the same bank-level profit & loss table in the investor presentation shows:
• Revenue: Rs 640.50 cr (H1’27) vs Rs 853.50 cr (H1’26)
• Net Revenue: Rs 258.30 cr (H1’27) vs Rs 300.50 cr (H1’26)
• Net Revenue Margin %: 40.3% (H1’27) vs 35.2% (H1’26)
• Operating Cost: Rs 180.20 cr (H1’27) vs Rs 177.30 cr (H1’26)
• EBITDA: Rs 78.20 cr (H1’27) vs Rs 123.30 cr (H1’26)
• PBT: Rs (34.60) cr (H1’27) vs Rs 45.90 cr (H1’26)
• PAT: Rs (34.60) cr (H1’27) vs Rs 33.10 cr (H1’26)
According to the bank-level profit & loss statement in the investor presentation, Q2’27 revenue stood at Rs 333.60 cr, down from Rs 400.10 cr in Q2’26. Net revenue for the quarter was Rs 127.10 cr compared with Rs 148.60 cr in the corresponding quarter of the previous year. Net revenue margin % was 38.1% in Q2’27 versus 37.1% in Q2’26. Operating cost rose to Rs 92.10 cr in Q2’27 from Rs 87.00 cr in Q2’26.
EBITDA for Q2’27 was Rs 35.10 cr, lower than Rs 61.60 cr in Q2’26. The line item "Other Fin. Cost & Depreciation" was Rs 56.00 cr in Q2’27 versus Rs 40.40 cr in Q2’26. Profit before tax (PBT) moved from Rs 21.20 cr in Q2’26 to a loss of Rs (20.90) cr in Q2’27, and profit after tax (PAT) similarly shifted from Rs 15.40 cr in Q2’26 to a loss of Rs (20.90) cr in Q2’27.
For H1’27, revenue was Rs 640.50 cr compared with Rs 853.50 cr in H1’26. Net revenue for the half year was Rs 258.30 cr versus Rs 300.50 cr a year earlier, while net revenue margin % increased to 40.3% in H1’27 from 35.2% in H1’26. Operating cost was Rs 180.20 cr in H1’27 against Rs 177.30 cr in H1’26. EBITDA for H1’27 came in at Rs 78.20 cr, down from Rs 123.30 cr in H1’26. PBT moved from Rs 45.90 cr in H1’26 to a loss of Rs (34.60) cr in H1’27, and PAT from Rs 33.10 cr in H1’26 to a loss of Rs (34.60) cr in H1’27.
Track Fino Payments Bank Ltd
Cruxal reads every Fino Payments Bank Ltd filing as it lands, scores what it means for the stock, and emails you the ones that matter. Free to start.
Get every filing that moves a stock
One email before the open, with the day's filings that actually shifted a price — the number, the source document and what the market did with it. Free, and you can unsubscribe from any issue.
Cruxal publishes market coverage for information only. Nothing here is investment advice.
