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FINOPB

Fino Payments Bank Ltd.

Industry Group: Banks
Industry: Other Bank
162.25+3.2 (+1.99%)
3 Aug, 12:00 AM

Income Statement

Abridged
Understanding Income Statement
Fino Payments Bank Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Period length:
Source:
12M
PR
12M
PR
12M
PR
12M
AR
12M
AR
12M
AR
12M
AR
12M
PRESS
Net Interest & Dividend Income
1481120477195134
Non-Interest Revenue
3526737719741,1351,3281,6521,340
Total Revenue
3666817829941,1831,3991,7461,474
Total Operating Expenses
4287147619511,1171,3131,6381,402
Operating Profit
-62-322143658610872
Operating Margin
-17.1-4.72.74.35.56.26.24.9
Profit before Taxes
-62-322043658610867
Income Taxes
-----01615
Profit after Tax
-62-32204365869352
PAT Margin
-17.1-4.72.64.35.56.25.33.6
EPS - Basic - ex Extraordinary Items
-7.50-3.852.465.347.8210.3611.126.30
EPS - Diluted - ex Extraordinary Items
-7.50-3.852.465.347.8210.3611.086.29
EBIT
-62-322143658610872
EBITDA
-44-97579107140170148
EBITDA Margin
-12.1-1.39.67.99.010.09.810.0

Balance Sheet

Abridged
Understanding Balance Sheet
Fino Payments Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Source:
PR
PR
PR
AR
AR
AR
AR
PRESS
Cash & ST Balance with Banks
15713188224220317183154
Lending & LT Balance with Banks
2311711835426147489211,196
Property Plant & Equipment - Net
0496493145195298364
Total Assets
6846241,0101,6802,4663,4194,2065,312
Deposits - Total
481182435019171,4131,9392,379
Long Term Debt
00-----1,535
Total Liabilities
5224948601,2001,9142,7763,4594,507
Total Shareholders' Equity
162130151480553643747805
Total Equity
162130151480553643747805
Total Liabilities & Equity
6846241,0101,6802,4663,4194,2065,312

Cash Flow

Abridged
Understanding Cash Flow Statement
Fino Payments Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Period length:
Source:
12M
PR
12M
PR
12M
PR
12M
AR
12M
AR
12M
AR
12M
AR
12M
PRESS
Operating CF bef Changes in Working Cap
-3529178122147178168
Working Capital - Increase/(Decrease)
64-86-123130-142-90-102-474
Net CF from Operating Activities
29-84-32207-205776-307
Capital Expenditures - Net
1431696494104164143
Net CF from Investing Activities
-14-31-69-64-97-104-164-143
Stock - Issuance/(Retirement) - Net
---283--0-
Debt - LT & ST - Issuance/(Retirement) - Total
35287069184279127696
Net Cash Flow from Financing Activities
352870352184279127696
Free Cash Flow to Equity
50-86-312127023239246
Free Operating CF net dividend
15-115-101143-114-47-88-449
Free Operating CF
15-115-101143-114-47-88-449

Business Segment Analysis

FY End:
Mar 25

Fino Payments Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales
Total₹ 1,847Cr
Other Banking Operations (66.5%)₹ 1,228.01 CrRetail Banking (22.9%)₹ 423.81 CrTreasury (10.5%)₹ 194.67 CrUnallocated (0.0%)₹ 0.61 Cr
Assets
Total₹ 4,206Cr
Treasury (78.4%)₹ 3,299.17 CrUnallocated (10.7%)₹ 449.60 CrOther Banking Operations (8.9%)₹ 374.78 CrRetail Banking (2.0%)₹ 82.37 Cr

Regional Segment Analysis

Fino Payments Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Fino Payments Bank Ltd.

Historical Segment Analysis

Track how Fino Payments Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Business
We don't have enough data to show the Capex for Fino Payments Bank Ltd..

Frequently Asked Questions

What is the revenue of Fino Payments Bank Ltd.?
The latest trailing twelve month revenue of Fino Payments Bank Ltd. is ₹ 1,473.65 Cr, reflecting a 1-year growth of -15.62% and a 3-year CAGR of 7.61%. Annual and quarterly revenue trends are available in the Income Statement section.
What is the net profit of Fino Payments Bank Ltd.?
The latest trailing twelve month net profit (PAT) of Fino Payments Bank Ltd. is ₹ 52.46 Cr, with a 3-year earnings CAGR of -7.01%. Detailed profit history across annual and quarterly periods is in the Income Statement section.
What is the EBITDA of Fino Payments Bank Ltd.?
The trailing twelve month EBITDA of Fino Payments Bank Ltd. is approximately ₹ 71.80 Cr (based on an operating margin of 4.87%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.
What is the EPS of Fino Payments Bank Ltd.?
The trailing twelve month Earnings Per Share (EPS) of Fino Payments Bank Ltd. is 6.29. EPS trends across annual and quarterly periods are visible in the Income Statement section.
What is the debt level of Fino Payments Bank Ltd.?
The debt-to-equity ratio of Fino Payments Bank Ltd. stands at 1.91. The full breakdown of total borrowings is in the Balance Sheet section.
What is the book value per share of Fino Payments Bank Ltd.?
The estimated book value per share of Fino Payments Bank Ltd. is 96.76 (derived from a P/B ratio of 1.68 and market price of ₹ 162.25), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.
What is the cash flow from operations of Fino Payments Bank Ltd.?
The trailing twelve month operating cash flow of Fino Payments Bank Ltd. is ₹ -306.71 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.
Does Fino Payments Bank Ltd. report consolidated or standalone financials?
Fino Payments Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.