Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Banking And Finance | Small Cap
Health Score : 6.41Fino Payments Bank operates within the financial services sector, specifically as a non-bank financial institution. The bank demonstrates strong growth and sound profitability, with high scores in these areas. The company shows good liquidity. However, its solvency and efficiency need improvement. The coverage ratio is also a concern. The bank's financial ratios are weak, indicating potential areas for improvement in earnings and capital management. While the company shows robust growth and profitability, it needs to address its solvency and financial efficiency to ensure long-term sustainability. Addressing these weaknesses will likely improve investor confidence and market positioning. The bank's high-growth trajectory provides a solid foundation for future expansion and profitability.
Health Score : 6.41Fino Payments Bank operates within the financial services sector, specifically as a non-bank financial institution. The bank demonstrates strong growth and sound profitability, with high scores in these areas. The company shows good liquidity. However, its solvency and efficiency need improvement. The coverage ratio is also a concern. The bank's financial ratios are weak, indicating potential areas for improvement in earnings and capital management. While the company shows robust growth and profitability, it needs to address its solvency and financial efficiency to ensure long-term sustainability. Addressing these weaknesses will likely improve investor confidence and market positioning. The bank's high-growth trajectory provides a solid foundation for future expansion and profitability.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
21.66
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
21.66
P/B RATIO
1.47
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
4.50
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
13.80
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹136.44 as on Sep 1, 2026.
Growth Score : 10.00The company exhibits very strong growth across all key metrics. High revenue, operating profit, EPS, asset, and net income growth rates indicate a rapidly expanding business. This robust growth reflects successful strategies and market positioning. While managing rapid growth can be challenging, the company appears to be effectively scaling its operations and capturing market opportunities. Maintaining this growth trajectory will be critical for long-term success.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 80 | 163.89 | 57.89 | 30 | 27.18 |
| Operating Profit Growth Rate | -28.41 | -14.86 | -15.66 | -24.56 | 14.38 |
| Earnings Per Share (EPS) Growth | 11.98 | 52.14 | 32.48 | 7.34 | -43.35 |
| Asset Growth Rate | 66.34 | 46.79 | 38.65 | 23.02 | 26.3 |
| Net Income Growth Rate | 115 | 51.16 | 32.31 | 8.14 | -44.09 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Fino Payments Bank Ltd | 6.41 | 21.66 | Neutral | -1268.00 | 6.30 | 52.00 |
| 3 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 4 | Muthoot Microfin Ltd | 5.52 | 19.64 | Neutral | 241.00 | 9.99 | 170.00 |
| 5 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 6 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 7 | Utkarsh Small Finance Bank Ltd | 4.19 | -2.30 | Neutral | -1938.00 | -6.47 | -1151.00 |
| 8 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
| 9 | Fusion Finance Ltd | 3.63 | 226.34 | Neutral | -87.00 | 0.85 | 14.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤4th May 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤29th Apr 26
Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤4th Mar 26
Investor & Analyst Conference Call – Mar 02, 2026
NEUTRAL SENTIMENT
Concall Report⬤3rd Feb 26
Q3 FY 2026 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Fino Payments Bank is a leading digital-first bank in India, leveraging an extensive merchant network to offer accessible banking services. It primarily caters to underbanked populations through a 'phygital' approach, providing current/savings accounts, remittances, bill payments, and cash management. Its innovative business correspondent model drives financial inclusion across rural and semi-urban areas.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Fino Payments Bank Ltd's P/E ratio (TTM) is 21.66, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Fino Payments Bank Ltd's P/B ratio is 1.47, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Fino Payments Bank Ltd's P/S ratio is 4.50, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Fino Payments Bank Ltd's PEG ratio is 0.85.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Fino Payments Bank Ltd's EV/EBITDA ratio is 13.80.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Fino Payments Bank Ltd's ROE is 6.75%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Fino Payments Bank Ltd's ROA is -23.87%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Fino Payments Bank Ltd's ROCE is 23.51%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Fino Payments Bank Ltd's operating margin is -511.29%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Fino Payments Bank Ltd's net margin is 20.97%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Fino Payments Bank Ltd's current ratio is 2.70.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Fino Payments Bank Ltd's debt-to-equity ratio is 3.17.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Fino Payments Bank Ltd's interest coverage ratio is 1.59.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Fino Payments Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Fino Payments Bank Ltd's EPS is -43.35.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹136.44. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2017
Headquarters: Mumbai, Maharashtra
Core Offerings: Current & Savings Accounts, Remittances, Cash Management Services, Bill Payments & Recharges, Insurance & Lending (partnerships)
Stock Listing: NSE (FINOPB), BSE (543386)
Promoter: Fino PayTech Limited
Fino PayTech Limited, the promoter, was incorporated in 2007. It received in-principle approval from the RBI to establish a payments bank in 2015. Fino Payments Bank Ltd commenced operations in 2017. In November 2021, the company successfully completed its Initial Public Offering (IPO) and listed on NSE and BSE. Since then, it has been actively expanding its merchant network and digital banking footprint, focusing on financial inclusion and underserved customer segments.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Accounts & Deposits | N/A | Operating Profit |
| Remittance Services | N/A | Operating Profit |
| Cash Management & Payments | N/A | Operating Profit |
Current & Savings Accounts (CASA): Offers a range of savings and current accounts designed for individuals, small businesses, and merchants, facilitating easy deposits, withdrawals, and digital transactions.
Remittance Services: Provides domestic money transfer (DMT) services, enabling customers to send and receive money across India, crucial for migrant workers and unbanked populations.
Cash Management Services (CMS): Partners with businesses to provide efficient cash collection and disbursement services through its merchant network, optimizing their cash cycles.
Other Financial Services: Includes bill payments, recharges, insurance distribution, and acts as a lead generator for third-party lending products, diversifying its revenue streams.
Rishi Gupta: Managing Director & CEO. With over 25 years of experience in transaction banking, risk management, and financial services, he has been instrumental in Fino's transformation into a payments bank. Prof. Mahendra Kumar Chouhan: Part-time Chairman (Independent Director). A seasoned professional with extensive experience in corporate governance and strategic advisory roles.
No major subsidiaries reported.
IPO in November 2021. No major recent bonus issues, rights issues, or M&A on record.
The Fino Payments Bank Ltd share price today is ₹136.44 on NSE (FINOPB), as of 28 Sept 2026.
As of 28 Sept 2026, Fino Payments Bank Ltd share price is ₹136.44, with previous close ₹136.44. Today's range is ₹136.44 to ₹136.44. The 52-week range is ₹N/A to ₹N/A.
As of today, Fino Payments Bank Ltd's market cap is ₹1,116.08 crore (Small Cap).
Fino Payments Bank Ltd's current P/E ratio is 21.66, compared to the BANKING AND FINANCE sector average of 30.
Fino Payments Bank Ltd's current P/B ratio is 1.47.
Fino Payments Bank Ltd's current dividend yield is N/A. Last dividend of ₹0.50 per share was declared on 08-May-2024.
Fino Payments Bank Ltd's EPS (TTM) is ₹-43.35.
Fino Payments Bank is a leading digital-first bank in India, leveraging an extensive merchant network to offer accessible banking services. It primarily caters to underbanked populations through a 'phygital' approach, providing current/savings accounts, remittances, bill payments, and cash management. Its innovative business correspondent model drives financial inclusion across rural and semi-urban areas.
Fino Payments Bank Ltd is promoted by Fino PayTech Limited, holding 75% as of 28 Sept 2026.
Fino Payments Bank Ltd is listed on NSE (FINOPB) and BSE (543386). Its next quarterly results are expected on August 2024.
Debt To Asset Ratio