FINO PAYMENTS BANK LTD·BANKS 57.62SMALL FINANCE BANKS - SFBS 68.56·Banks

2026-08-21 NSE BSE Web 20% Result 13 Aug

Price

145.93

-0.16%
O:146.06
H:146.99
L:145.2
C:145.93

52W Range

110.03339
+33%/-57%

Market Cap

₹1,214.41 Cr

Traded: ₹1.84 Cr (0.15%) 0.0x

Free Float: ₹252.35 Cr (0.73% of FF traded)

Volume · 60D trend

1.26 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-8% 3M:-7% 6M:+3% 12M:-46%

Valuation

P/E58.1
P/B1.6
P/S4.7
EV/EBIT--

Business Strength

ROE7.4%
ROCE4.5%
OPM--
NPM--

Growth (3Y CAGR)

EPS-43.4%
Sales+38.0%
Profit-5.0%
3Y Return-15.0%

Balance Sheet

Debt/Equity5.1
Debt3,915 Cr
Pledge0.0%
CWIP/Fixed Asset0.0%

Cash Position

CFO/NP-590.4%
FCF-449 Cr
FCF 3Y Avg-585 Cr
Cash/MCap15.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float20.8%

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 39.85 Cr
15.79% FF
60d high
₹ 40.32 Cr
60d low
₹ 26.91 Cr
60d mean
₹ 33.12 Cr
vs mean
▲ 20.30%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+65.0%
+38.0%
--
+27.0%
Decelerating
ROE
--
+12.0%
+11.0%
--
--
Decelerating
Return
--
--
-15.0%
-50.0%
--
Decelerating
Profit
--
+21.0%
-5.0%
--
-40.0%
Decelerating

Quarterly Results

Jun 2026

13 Aug
Rev
72 Cr
+18% YoY--
OPM-295.0%
NPM--
PAT
-177% YoY-14 Cr
EPS
---1.6

Mar 2026

PDF
Rev
64 Cr
+21% YoY--
OPM-377.0%
NPM--
PAT
-65% YoY7 Cr
EPS
-70% YoY0.8

Dec 2025

PDF
Rev
63 Cr
+28% YoY--
OPM-447.0%
NPM--
PAT
-38% YoY12 Cr
EPS
-47% YoY1.5

Sep 2025

PDF
Rev
60 Cr
+26% YoY--
OPM-484.0%
NPM--
PAT
-27% YoY15 Cr
EPS
-28% YoY1.8

Jun 2025

PDF
Rev
61 Cr
+35% YoY--
OPM-557.0%
NPM--
PAT
-27% YoY18 Cr
EPS
-27% YoY2.1

Mar 2025

PDF
Rev
53 Cr
+27% YoY--
OPM-729.0%
NPM--
PAT
-5% YoY24 Cr
EPS
-5% YoY2.9

Dec 2024

PDF
Rev
49 Cr
+26% YoY--
OPM-725.0%
NPM--
PAT
+1% YoY23 Cr
EPS
+1% YoY2.8

Sep 2024

PDF
Rev
48 Cr
+31% YoY--
OPM-747.0%
NPM--
PAT
+8% YoY21 Cr
EPS
+8% YoY2.5

Jun 2024

PDF
Rev
45 Cr
+37% YoY--
OPM-757.0%
NPM--
PAT
+30% YoY24 Cr
EPS
+30% YoY2.9

Mar 2024

PDF
Rev
41 Cr
+41% YoY--
OPM-753.0%
NPM--
PAT
+14% YoY25 Cr
EPS
+14% YoY3.0

Dec 2023

PDF
Rev
39 Cr
+55% YoY--
OPM-732.0%
NPM--
PAT
+19% YoY23 Cr
EPS
--2.7

Sep 2023

PDF
Rev
37 Cr
+70% YoY--
OPM-777.0%
NPM--
PAT
+41% YoY20 Cr
EPS
--2.4

Jun 2023

PDF
Rev
33 Cr
+76% YoY--
OPM-853.0%
NPM--
PAT
+85% YoY19 Cr
EPS
--2.3

Mar 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+25% YoY22 Cr
EPS
--2.6

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-1.3x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-307 Cr
Investing Cash Flow-143 Cr
Financing Cash Flow696 Cr
Free Cash Flow-449 Cr

Detailed Financials

Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Sales72646360615349484541393733--
Expenses285306344351400438407404389353326320314287
Operating Profit-213-242-281-291-339-385-358-357-343-312-287-284-281--
OPM %-295.0%-377.0%-447.0%-484.0%-557.0%-729.0%-725.0%-747.0%-757.0%-753.0%-732.0%-777.0%-853.0%--
Other Income235275328340392441412408392360331322315294
Interest3529292828262625242322191514
Depreciation00000000000000
Profit Before Tax-144172125302826242523201922
Tax %0.0%-73.0%30.0%28.0%28.0%19.0%19.0%18.0%0.0%0.0%0.0%0.0%0.0%0.0%
Net Profit-147121518242321242523201922
Exceptional Items0-1-300000000000
EPS (Rs)-1.60.81.51.82.12.92.82.52.93.02.72.42.32.6
Sales Growth (YoY)18.4%21.4%27.6%25.9%34.5%27.5%26.1%30.7%37.5%40.8%54.9%70.2%76.0%--
Sales Growth (QoQ)----------------------------
OP Growth (YoY)37.2%37.1%21.5%18.5%1.2%-23.4%-24.7%-25.7%-22.1%----------
OP Growth (QoQ)12.0%13.9%3.4%14.2%11.9%-7.5%-0.3%-4.1%-9.9%-8.7%-1.1%-1.1%----
Profit Growth (YoY)-177.0%-65.0%-38.0%-27.0%-27.0%-5.0%1.0%8.0%30.0%14.0%19.0%41.0%85.0%25.0%
EPS Growth (YoY)---70.5%-47.1%-27.6%-27.1%-5.0%1.5%8.1%29.8%14.3%--------
EPS Growth (QoQ)---42.2%-20.1%-13.6%-26.0%3.6%9.4%-13.0%-3.6%10.6%16.6%4.4%-15.1%--
OP Margin----------------------------
Net Margin----------------------------
Material Cost %----------------------------
Employee Cost %80.0%83.0%86.0%94.0%96.0%107.0%109.0%107.0%113.0%112.0%113.0%121.0%130.0%136.0%
P/S4.69--------------------------
P/E58.1426.03------------------------
P/B1.581.77------------------------

Shareholding Pattern

Shareholders:62.4K (-20.0%)
Current MixMar 2026

Exchange Filings

50
Company Update24 Aug 2026

Investor Meet with Infinity Alternatives Advisors LLP on one-to-one basis

Company Update18 Aug 2026

Transcript of the Earnings Call held on August 14, 2026

Company Update15 Aug 2026

Newspaper Publication of Unaudited Financial Results for the quarter ended June 30, 2026

Company Update14 Aug 2026

Audio Link of Earnings Call Recording

Company Update13 Aug 2026

Investor Presentation for the quarter ended June 30, 2026

Company Update13 Aug 2026

Press Release on the Financial Results for the quarter ended June 30, 2026

Result13 Aug 2026

Financial Results for the quarter ended June 30, 2026

Board Meeting13 Aug 2026

Outcome of the Board Meeting held on August 13, 2026

Company Update06 Aug 2026

Business Performance Update - July 2026

Company Update06 Aug 2026

Business Performance Update - July 2026

AGM/EGM27 Jul 2026

Outcome and Scrutinizer''s Report for Postal Ballot notice dated June 24, 2026.

AGM/EGM27 Jul 2026

Outcome and Scrutinizer''s Report for the Postal Ballot notice dated June 24, 2026

Company Update27 Jul 2026

Earnings call with Investors and Analysts on August 14, 2026

Board Meeting27 Jul 2026

Fino Payments Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 13/08/2026 ,inter alia, to consider and approve Intimation of Board Meeting ....

Company Update22 Jul 2026

Certificate under Reg. 74(5) for the quarter ended June 30, 2026

Company Update10 Jul 2026

Business Performance Update - June 2026

Company Update08 Jul 2026

Investor Meet with New Horizon Wealth Management Private Limited on one-to-one basis.

Company Update01 Jul 2026

The Nomination & Remuneration Committee has vide circular resolution approved grant of ESOPs to eligible employees.

Company Update26 Jun 2026

Newspaper publication for dispatch of Postal ballot notice

AGM/EGM25 Jun 2026

Postal Ballot notice dated June 24, 2026.

Insider Trading / SAST24 Jun 2026

Trading Window closure for the quarter ending June 30, 2026

Company Update18 Jun 2026

Go India Advisors Flagship Conference 2026.

Company Update17 Jun 2026

Investor meet with Kotak Mahindra Asset Management Company Limited rescheduled from June 18, 2026 to June 25, 2026

Company Update15 Jun 2026

Investor meet with International Finance Corporation on one-to-one basis

Company Update15 Jun 2026

Investor meet with Kotak Mahindra Asset Management Company Limited on one-to-one basis

Company Update11 Jun 2026

Investor meet with Infinity Alternatives Advisors LLP on one-to-one basis.

Company Update08 Jun 2026

Investor meet with Fortuna Asset Managers LLP

Company Update08 Jun 2026

Business Update

Company Update01 Jun 2026

Strategic Partnership with Ezee.ai

Company Update29 May 2026

Annual Secretarial Compliance Report for the financial year ended March 31, 2026

Company Update26 May 2026

Approval of RBI for extension of tenure of Mr. Ketan Merchant as an Interim CEO

Others21 May 2026

Outcome of the meeting of Board of Directors held on May 21, 2026

Company Update21 May 2026

Change in Director-KMP-SMP

Company Update19 May 2026

Investor meet with New Horizon Financial Advisors LLP

Company Update18 May 2026

Investor Meet with Infinity Alternatives Advisors LLP

Company Update08 May 2026

Business update for the month of April, 2026

Company Update08 May 2026

Investor meet with Voyager Capital (Principia Advisors LLP) Scheduled to be held on May 11, 2026

Company Update08 May 2026

Investor meet with Voyager Capital (Principia Advisors LLP) Scheduled to be held on May 11, 2026

Company Update08 May 2026

Investor meet with International Finance Corporation scheduled to be held on May 11, 2026

Company Update04 May 2026

Earnings Call Transcript of the Earnings Call held on April 30, 2026

Company Update30 Apr 2026

Audio Link of Earnings Call Recording

Company Update30 Apr 2026

Newspaper Publication of Financial Results for the financial year ended March 31, 2026

Company Update29 Apr 2026

Investors Presentation for the financial year ended March 31, 2026

Result29 Apr 2026

Financial Results for the quarter and year ended March 31, 2026

Company Update29 Apr 2026

Re-appointment of Mr. Aninda Mukherjee as Chief Risk Officer of the Bank

Company Update29 Apr 2026

Press Release on the financial results for the financial year ended March 31, 2026

Board Meeting29 Apr 2026

Outcome of the Board Meeting held on April 29, 2026

Company Update20 Apr 2026

Earnings Call scheduled to be held on April 30, 2026 at 4 P.M.

Board Meeting20 Apr 2026

Fino Payments Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/04/2026 ,inter alia, to consider and approve the Audited Financial Results ....

Company Update20 Apr 2026

Certificate under Reg 74(5) of SEBI (DP) Regulations, 2018

Annual Reports

4

2025

2024

2023

2022

Credit Ratings

6
icraRating update
22 May 2025Report
icraRating update
30 Apr 2024Report
icraRating update
21 Feb 2023Report
icraRating update
30 Dec 2022Report
icraRating update
01 Oct 2021Report
icraRating update
25 Nov 2020Report

Concalls

21

Mar 2026

31 Mar 2026

Feb 2026

28 Feb 2026

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

May 2025

31 May 2025

Feb 2025

28 Feb 2025

Oct 2024

31 Oct 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Nov 2022

30 Nov 2022

Aug 2022

31 Aug 2022

Jul 2022

31 Jul 2022

Jul 2022

31 Jul 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021