Fino Payments Bank Ltd
Fino Payments Bank Ltd (FINOPB) last reported results for the quarter ended Jun 2026, with sales of ₹72 crore and net profit of ₹-14 crore. The stock last traded at ₹129, a market capitalisation of ₹1,072 crore, on a P/E of 43.8. Over the past 52 weeks the stock has ranged between ₹110 and ₹339. Figures are as of 6 Oct 2026 and are not real time.
Fino Payments Bank Ltd share price and key metrics
- Current price
- ₹129
- Market cap
- ₹1,072 cr
- Stock P/E
- 43.8
- Book value
- ₹96.8
- ROE
- 6.76%
- ROCE
- 4.41%
- Dividend yield
- 0.00%
- 52w high / low
- 339/110
Metrics as of 6 Oct 2026. Not real time.
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Fino Payments Bank Ltd growth and returns
- 10 Years
- %
- 5 Years
- 65%
- 3 Years
- 38%
- TTM
- 23%
- 10 Years
- %
- 5 Years
- 20%
- 3 Years
- -7%
- TTM
- -72%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- -25%
- 1 Year
- -57%
- 10 Years
- %
- 5 Years
- 12%
- 3 Years
- 11%
- Last Year
- 7%
Fino Payments Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹72 cr, up 18.0% from ₹61 cr a year earlier. Net profit swung to a loss of ₹14 cr.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 48 | 49 | 53 | 61 | 60 | 63 | 64 | 72 |
| Expenses | 404 | 407 | 438 | 400 | 351 | 344 | 306 | 285 |
| Operating profit | -382 | -384 | -411 | -368 | -319 | -311 | -270 | -248 |
| OPM % | -799% | -777% | -779% | -603% | -530% | -494% | -422% | -344% |
| Other income | 408 | 412 | 441 | 392 | 340 | 328 | 275 | 235 |
| Interest | 25 | 26 | 26 | 28 | 28 | 29 | 29 | 35 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 26 | 28 | 30 | 25 | 21 | 17 | 4 | -14 |
| Tax % | 18% | 19% | 19% | 28% | 28% | 30% | -73% | 0% |
| Net profit | 21 | 23 | 24 | 18 | 15 | 12 | 7 | -14 |
| EPS (₹) | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 | 0.85 | -1.65 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Fino Payments Bank Ltd annual results
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 16 | 19 | 18 | 20 | 36 | 95 | 150 | 195 | 248 | 259 |
| Operating profit | -266 | -396 | -682 | -697 | -895 | -1,028 | -1,189 | -1,481 | -1,196 | -1,148 |
| OPM % | -1,716% | -2,068% | -3,760% | -3,441% | -2,512% | -1,084% | -792% | -759% | -482% | -443% |
| Net profit | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 52 | 21 |
| EPS (₹) | -15.11 | -13.99 | -7.19 | 4.59 | 5.14 | 7.82 | 10.36 | 11.12 | 6.30 | 2.51 |
TTM is the trailing twelve months to the most recent quarter.
Fino Payments Bank Ltd balance sheet
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 45 | 45 | 45 | 45 | 83 | 83 | 83 | 83 | 83 |
| Reserves | 180 | 118 | 85 | 106 | 397 | 469 | 560 | 664 | 722 |
| Borrowings | 48 | 83 | 111 | 181 | 250 | 434 | 713 | 839 | 1,535 |
| Deposits | 39 | 48 | 118 | 243 | 503 | 917 | 1,413 | 1,939 | 2,379 |
| Other liabilities | 226 | 392 | 266 | 436 | 448 | 563 | 651 | 680 | 592 |
| Total liabilities | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 5,312 |
| Fixed assets | 46 | 42 | 49 | 62 | 92 | 139 | 148 | 167 | 355 |
| CWIP | 1 | 0 | 0 | 2 | 0 | 5 | 47 | 130 | 9 |
| Investments | 64 | 73 | 128 | 504 | 631 | 1,146 | 1,747 | 2,388 | 3,254 |
| Other assets | 427 | 569 | 446 | 443 | 956 | 1,175 | 1,477 | 1,520 | 1,693 |
| Total assets | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 5,312 |
As reported by the company. Total assets equal total liabilities by construction.
Fino Payments Bank Ltd cash flow
| ₹ crore | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Cash from operations | -84 | -32 | 207 | -20 | 57 | 76 | -307 |
| Cash from investing | -31 | -69 | -64 | -97 | -104 | -164 | -143 |
| Cash from financing | 28 | 70 | 352 | 184 | 279 | 127 | 696 |
| Net cash flow | -86 | -31 | 495 | 68 | 232 | 39 | 246 |
| Free cash flow | -114 | -101 | 143 | -114 | -47 | -88 | -449 |
| CFO / operating profit | 13% | 6% | -24% | 2% | -5% | -6% | 27% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Fino Payments Bank Ltd operating ratios
| Per year | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -30% | -32% | -22% | 15% | 14% | 13% | 14% | 13% | 7% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Fino Payments Bank Ltd shareholding pattern
Promoters held 75.00% at Jun 2026, broadly unchanged since Jun 2025. FIIs 0.31% and DIIs 0.00%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% |
| FIIs | 4.21% | 3.70% | 4.08% | 2.54% | 2.67% | 2.69% | 1.33% | 0.31% |
| DIIs | 6.14% | 6.08% | 3.52% | 3.04% | 3.35% | 0.45% | 0.40% | 0.00% |
| Public | 14.65% | 15.22% | 17.41% | 19.43% | 19.00% | 21.87% | 23.27% | 24.68% |
| No. of shareholders | 64,495 | 64,460 | 64,104 | 63,093 | 61,622 | 61,483 | 62,358 | 62,125 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Fino Payments Bank Ltd corporate filings
- Fino Payments Bank September 2026 Business Update: Revenue Rs 72 cr, Net Loss Rs 14 cr, Market Cap Rs 1072 crCompany Updatelow impact
Cruxal's analysis: Fino Payments Bank released its September 2026 business update, reporting revenue of Rs…
Read the full analysis - Fino Payments Bank Extends Interim CFO Tenure, No Immediate Financial Impact AnnouncedOtherslow impact
Cruxal's analysis: Fino Payments Bank Limited has announced the extension of Mr. Anup Agarwal's tenure as…
Read the full analysis - Fino Payments Bank Limited passes resolution with 99.02% votes in favor at 10th AGM held via VC/OAVM on September 29, 2026AGM/EGMhigh impact
Cruxal's analysis: Fino Payments Bank Limited conducted its 10th AGM through video conferencing, with a…
Read the full analysis - Fino Payments Bank Limited appoints Mr. Paresh Gupta as Head – MSME, signaling strategic focus on MSME segment growthCompany Updatemedium impact
Cruxal's analysis: Fino Payments Bank Limited has announced the appointment of Mr. Paresh Gupta as Head –…
Read the full analysis - Fino Payments Bank Limited holds AGM with no material financial disclosures; future strategic updates expectedAGM/EGMlow impact
Cruxal's analysis: Fino Payments Bank Limited conducted its 10th AGM on September 29, 2026, via video…
Read the full analysis - Trading window closure for the quarter ending September 30, 2026Insider Trading / SASTlow impact
- Fino Payments Bank releases August 2026 business performance updateCompany Updatelow impact
Cruxal's analysis: Fino Payments Bank has issued a business performance update for the month of August 2026…
Read the full analysis - Fino Payments Bank announces 10th Annual General Meeting scheduled for September 29, 2026Company Updatelow impact
Cruxal's analysis: Fino Payments Bank has published the newspaper notice regarding its 10th Annual General…
Read the full analysis - Fino Payments Bank Ltd files Business Responsibility and Sustainability Report (BRSR) for FY 2025-26Otherslow impact
Cruxal's analysis: Fino Payments Bank has submitted its Business Responsibility and Sustainability Report…
Read the full analysis - Fino Payments Bank Limited releases Annual Report for FY 2025-26Otherslow impact
Cruxal's analysis: Fino Payments Bank Limited has filed its Annual Report for the financial year ended March…
Read the full analysis - Fino Payments Bank Limited schedules 10th Annual General Meeting for September 29, 2026AGM/EGMlow impact
Cruxal's analysis: Fino Payments Bank Limited has issued a formal notice for its 10th Annual General Meeting…
Read the full analysis - Fino Payments Bank schedules 10th Annual General Meeting for September 29, 2026Company Updatelow impact
Cruxal's analysis: Fino Payments Bank has issued a newspaper publication notice regarding its 10th Annual…
Read the full analysis - Fino Payments Bank Limited receives RBI approval for extension of Interim CEO tenureCompany Updatelow impact
Cruxal's analysis: Fino Payments Bank Limited has announced that the Reserve Bank of India has approved the…
Read the full analysis - Fino Payments Bank extends tenure of Interim CEO Ketan Merchant for three monthsOtherslow impact
Cruxal's analysis: Fino Payments Bank Limited has announced the extension of Mr. Ketan Merchant's tenure as…
Read the full analysis - Fino Payments Bank schedules one-to-one investor meeting with Infinity Alternatives Advisors LLPCompany Updatelow impact
Cruxal's analysis: Fino Payments Bank has announced a one-to-one investor meeting with Infinity Alternatives…
Read the full analysis - Fino Payments Bank Q1 FY27 Earnings Call: Strategic Transition to Small Finance Bank (SFB) Amidst Operational HeadwindsCompany Updatemedium impact
Cruxal's analysis: Fino Payments Bank Limited reported a challenging Q1 FY27, with EBITDA declining to INR…
Read the full analysis - Fino Payments Bank reports Q1 FY27 net loss of 13.72 crore amid revenue declineCompany Updatehigh impact
Cruxal's analysis: Fino Payments Bank Limited reported a net loss of 13.72 crore for the quarter ended June…
Read the full analysis - Fino Payments Bank Limited releases audio recording of Q1 FY2027 earnings callCompany Updatelow impact
Cruxal's analysis: Fino Payments Bank Limited has formally disclosed the audio recording of its earnings…
Read the full analysis - Fino Payments Bank Q1 FY27 Results: Revenue Declines 32% YoY to 306.9 crore, Reports Net Loss of 13.7 croreCompany Updatehigh impact
Cruxal's analysis: Fino Payments Bank Limited reported a challenging first quarter for FY27, with revenue…
Read the full analysis - Fino Payments Bank Q1 FY27 Results: Revenue Declines 32% YoY Amid Strategic Recalibration for SFB TransitionCompany Updatehigh impact
Cruxal's analysis: Fino Payments Bank reported a challenging quarter with revenue declining 32% YoY to 306.9…
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