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FINOPB
FINOPB

Fino Payments Bank Ltd.

NSE: FINOPB
BSE: 543386
Industry Group: Banks
Industry: Other Bank
135.48-0.9 (-0.70%)
18 Sep, 3:30 PM

Stock Scores

Quality Score

1.2 / 100

Value Score

83.0 / 100

Price Momentum Score

4.6 / 100

QVM Score

12.3 / 100

Key Metrics

Market Cap
1135.34
P/E (TTM)
54.12
P/B
1.41
P/S (TTM)
0.86
EV/EBITDA
17.01
CAPE (5Y)
17.60
ROE (TTM)
6.76
ROCE (TTM)
3.66
ROA (TTM)
1.10
Avg 3Y ROE
11.50
Earnings 3Y CAGR
-34.32
Sales 3Y CAGR
2.27
Sales 5Y CAGR
13.51
Debt/Equity
1.91
Consensus TP
300.00
Strong Buy %
-
Promoter Holding
75.00
Pledged %
0.00

Share Price

Track Fino Payments Bank Ltd.'s current share price, historical price chart, 52-week high/low, and performance across different time periods.

135.48-0.9 (-0.70%)
-51.34% in past 1 year
1 Week returns: -3.22 %
Low
135.0
High
146.8
1 Month returns: -10.99 %
Low
131.8
High
151.8
1 Year returns: -50.82 %
Low
110.0
High
339.0
3 Year CAGR: -26.07 %
Low
110.0
High
467.0
5 Year CAGR: –
Note: Prices may be delayed by a few minutes. For historical calculations, prices are adjusted for splits, bonus and rights issue. Percentage change shown is absolute irrespective of the period.

Stock Analysis

Fundamental analysis overview of Fino Payments Bank Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views
Red Flags
Positive
Not enough talking points with positive stance
Negative
Weak price momentum

Price Momentum score of 4.6 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

4.6 / 100

Low and declining ROE

The company reported low ROE of 6.76% for 12-month ended 30 Jun 2026 and ROE declined by -655 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of -24.94% for 12-month ended 30 Jun 2026 and the growth was 40.05 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 15.11
Value -24.94
-24.9419.03
Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -75.62% for 12-month ended 30 Jun 2026 and the growth was 87.95 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral
Looks cheap but is at a premium to industry median P/B

PB of 1.41 indicates that the stock is cheap on a standalone basis but is at a 14.63% premium to industry median P/B

What is P/B Ratio?

Median: 1.23
Value 1.41
0.753.91
Moderate and stable Net Interest Margin (NIM)

The company reported moderate Net Interest Margin (NIM) of 3.31% for 12-month ended 30 Jun 2026 and Net Interest Margin (NIM) improved marginally by 31 bps from 1 year ago

What is Net interest margin?

No red flags found!
No significant red flags found in the stock.

Financial Snapshot

See detailed analysis

Multi-year trends for Fino Payments Bank Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY
01k1k2k2k1.2 K CrMar 20231.4 K CrMar 20241.7 K CrMar 20251.5 K CrMar 2026
Profit After Tax FY
00k0k65.1 CrMar 202386.2 CrMar 202492.5 CrMar 202552.5 CrMar 2026
ROE FY
0%5%10%15%12.6%Mar 202314.4%Mar 202413.3%Mar 20256.8%Mar 2026
ROA FY
0%1%2%3%4%3.1%Mar 20232.9%Mar 20242.4%Mar 20251.1%Mar 2026

Fino Payments Bank Ltd. Shareholding Pattern

Quarterly breakdown of Fino Payments Bank Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Total Promoter
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
Indian Promoter
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
75.00
Foreign Promoter
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Institutions
19.86
19.06
18.60
17.10
11.40
11.94
11.76
12.40
10.67
11.03
11.11
10.34
9.78
7.60
5.59
6.02
3.14
1.73
0.31
Mutual Funds / UTI
7.09
7.53
7.37
6.36
3.50
4.51
5.24
6.57
5.32
5.54
5.61
5.61
5.61
3.03
2.65
2.65
-
-
-
FI/Bank/Insurance
0.00
0.00
0.00
0.23
0.23
0.23
0.23
0.23
0.23
0.38
0.38
0.34
0.34
0.34
0.34
0.34
0.09
0.09
0.00
Govt
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
FII
10.20
10.00
9.80
9.26
7.67
7.20
6.29
5.57
5.09
5.12
5.12
4.20
3.70
4.08
2.54
2.67
2.69
1.33
0.31
Other Institutions
2.57
1.53
1.43
1.25
0.00
0.00
0.01
0.03
0.03
0.00
0.00
0.19
0.13
0.15
0.05
0.36
0.36
0.31
0.00
Non-Institution
5.14
5.94
6.40
7.90
13.59
13.06
13.24
12.59
14.34
13.97
13.89
14.64
15.22
17.40
19.42
18.98
21.86
23.27
24.69
Bodies Corporate
0.13
0.25
0.38
0.63
3.62
3.69
3.75
3.99
3.82
3.94
2.92
1.75
2.03
2.63
3.52
3.22
4.98
4.47
4.44
Others (incl. Retail)
No. of shareholders
5.01
93,328
5.69
88,136
6.02
85,161
7.27
83,191
9.97
81,624
9.37
77,831
9.49
74,727
8.60
67,838
10.52
68,720
10.03
64,979
10.97
63,725
12.89
64,211
13.19
64,162
14.77
63,813
15.90
62,840
15.76
61,365
16.88
61,191
18.80
62,098
20.25
61,903

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Fino Payments Bank Ltd. shares as reported to NSE and BSE.

NameDateTypePriceQty.Value
JUNOMONETA FINSOL PRIVATE LIMITED21 Jul 2026sell₹ 173.444.95 lac₹ 8.58 cr
JUNOMONETA FINSOL PRIVATE LIMITED21 Jul 2026buy₹ 173.335.03 lac₹ 8.72 cr
HRTI PRIVATE LIMITED21 Jul 2026sell₹ 173.426.04 lac₹ 10.47 cr
HRTI PRIVATE LIMITED21 Jul 2026buy₹ 172.615.92 lac₹ 10.21 cr
JUNOMONETA FINSOL PRIVATE LIMITED20 Jul 2026sell₹ 168.965.38 lac₹ 9.10 cr
JUNOMONETA FINSOL PRIVATE LIMITED20 Jul 2026buy₹ 169.025.38 lac₹ 9.10 cr
HRTI PRIVATE LIMITED20 Jul 2026sell₹ 168.974.45 lac₹ 7.52 cr
HRTI PRIVATE LIMITED20 Jul 2026buy₹ 169.164.22 lac₹ 7.13 cr
GRT STRATEGIC VENTURES LLP17 Jul 2026sell₹ 174.497.54 lac₹ 13.15 cr
JUMP TRADING FINANCIAL INDIA PRIVATE LIMITED17 Jul 2026sell₹ 174.377.40 lac₹ 12.90 cr
…

No corporate action data available.

Company Profile

Overview of Fino Payments Bank Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Fino Payments Bank Limited (FPBL) (the Bank) is an India-based scheduled commercial bank that is engaged in providing digital-based financial services. The business of the Bank has been segregated into four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations. FPBL off...
Key personnel
Mr. Anup Agarwal
Interim Chief Financial Officer
Maj. Ashish Ahuja
Chief Operating Officer
Mr. Vinod Kumar
Chief Information Officer
Mr. Anand Bhatia
Chief Marketing Officer
Mr. Basavraj Shivanand Loni
Compliance Officer, Vice President - Legal, Company Secretary
Ms. Manjiri Barve
Head - Human Resources & CSR
Mr. Bharat Bhanushali
Head - Business Technology and Core Banking of the Bank
Mr. Amit Kumar Jain
Head - Business Alliances
View all
Incorporated on
23 Jun 2007
Last Annual
31 Mar 2026
Last Interim
30 Jun 2026
No. of Employees
2,848
IPO date
12 Nov 2021
Free Float
1,86,79,853
Phone no.
+9102271047000
Address
MINDSPACE JUINAGAR, 8TH FLOOR, PLOT NO. GEN 2/1/F, TOWER 1,TTC INDUSTRIAL AREA,MIDC SHIRWANE,, JUINAGAR, THANE, , 400706, India

Frequently Asked Questions

What is the current share price of Fino Payments Bank Ltd.?
The current share price of Fino Payments Bank Ltd. is ₹ 135.48 as of 18 Sep 2026.
What is the market capitalisation of Fino Payments Bank Ltd.?
The market capitalisation of Fino Payments Bank Ltd. stands at ₹ 1,135.34 Cr.
What is the PE ratio of Fino Payments Bank Ltd.?
The Price-to-Earnings (PE) ratio of Fino Payments Bank Ltd. is 54.12 as of the latest trailing twelve months data.
What is the ROE and ROCE of Fino Payments Bank Ltd.?
Fino Payments Bank Ltd. has a Return on Equity (ROE) of 6.76% and a Return on Capital Employed (ROCE) of 3.66% as per the latest financial reports.
What is the 52-week high and low of Fino Payments Bank Ltd.?
The 52-week high of Fino Payments Bank Ltd. is - and the 52-week low is -.
What is the dividend yield of Fino Payments Bank Ltd.?
The dividend yield of Fino Payments Bank Ltd. is 0.00% based on the current market price.
What is the FII and DII holding in Fino Payments Bank Ltd.?
Foreign Institutional Investors (FII) hold 0.31%, Domestic Institutional Investors (DII) hold 0.00% and retail/public investors hold 20.25% of Fino Payments Bank Ltd. shares.
What sector does Fino Payments Bank Ltd. belong to?
Fino Payments Bank Ltd. operates in the Financial Services sector.
What is the beta of Fino Payments Bank Ltd.?
The beta of Fino Payments Bank Ltd. is 1.45, indicating its price volatility relative to the broader market. Over the past 1 year, Fino Payments Bank Ltd. has delivered an absolute return of -49.63%.
What is the RSI of Fino Payments Bank Ltd.?
The 14-day Relative Strength Index (RSI) of Fino Payments Bank Ltd. is 37.37, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.