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Fino Payments Bank

FINOPB NSE
₹121.63 down 0.02 (0.02%)
Market Cap
₹1,012 Cr
P/E
48.46

Fino Payments Bank (FINOPB) share price was ₹121.65 at the 28 Oct 2026 close; market capitalisation ₹1,012 Cr; P/E (TTM) 48.47; sector Banks. The share price fell 60.3% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 18.4% year on year to ₹72.2 Cr and net profit was −₹14 Cr, against ₹18 Cr a year earlier (compared with Jun 2025). Promoters held 75.00% of Fino Payments Bank in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 35/100 (Poor) as of 28 Oct 2026.

Close 28 Oct 2026 ₹121.65 −177.90 −59.39% 1Y

Key Fundamentals

MicrocapBanksFinancial Services
Market Cap
₹1,012 Cr
P/E (TTM)
48.46
EBITDA
₹144 Cr
Return on Equity
6.51%
Debt to Equity
4.86
Book Value
₹96.76
EPS (TTM)
₹2.51
52W High
₹326.70
52W Low
₹110.03

Price-based figures as of 29 Oct 2026, 10:41 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › Banks › Payment Bank › Other Bank

AU Small Finance Bank
₹871.2020.6965,426 Cr3.050.12%38.28%16.45%23,575 Cr3,154 Cr
Ujjivan Small Finance Bank
₹55.0811.7910,746 Cr1.452.71%10.16%6.90%8,962 Cr907 Cr
Equitas Small Finance Bank
₹65.5414.667,499 Cr1.221.55%1.68%5.83%8,143 Cr511 Cr
Jana Small Finance Bank
₹383.1010.624,051 Cr0.830.00%7.30%6.50%6,886 Cr380 Cr
ESAF Small Finance Bank
₹41.66—2,150 Cr1.201.79%-9.31%5.21%4,671 Cr-5 Cr
Utkarsh Small Finance Bank
₹11.75—2,091 Cr0.754.24%-41.47%1.37%3,794 Cr-945 Cr
Suryoday Small Finance Bank
₹130.517.231,387 Cr0.671.14%7.31%6.34%2,686 Cr192 Cr
Fino Payments Bank (this company)
₹121.6348.461,012 Cr1.260.00%6.51%3.42%1,441 Cr20 Cr
Median 8 companies₹93.5913.233,101 Cr1.211.35%6.90%6.09%5,778 Cr286 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

35 Poor
Overall score

Data confidence 97/100

Category scores

Quality Average 54
Returns, margins, earnings quality 22% weight
Valuation Poor 21
Cheap vs sector & own history 24% weight
Growth Strong 73
Sales & profit trajectory 9% weight
Financial Health Poor 17
Solvency, leverage, coverage 9% weight
Momentum Poor 26
Trend strength, vol-adjusted 12% weight
Ownership Poor 34
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.2% over last 3 years.
  • Earnings include an other income of Rs.1,178 Cr.

Technical Indicators

Oscillators

Bullish

Bearish
2
Neutral
4
Bullish
3

Overall

Bearish

Bearish
12
Neutral
4
Bullish
3

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
-14.03% lower than 3Y

change over 1 year

Net Income Growth
-43.24% lower than 3Y

change over 1 year

Cash Flow Change
-503%

change over 1 year

EBITDA Margin Change
10.63%

change over 1 year

Analyst Forecasts

Forecast For
Mar 27 consensus · Price
₹300 +135.8% vs Sep 26
Reported High Mean Low

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
33
37
39
41
45
48
49
53
61
60
63
64
72
Expenses
314
320
326
353
389
404
407
438
400
351
344
306
285
Financing Profit
-297
-303
-308
-335
-367
-382
-384
-411
-368
-319
-311
-270
-248
Fin. Margin %
-900%
-828%
-787%
-808%
-810%
-799%
-777%
-779%
-603%
-530%
-494%
-422%
-344%
Other Income
315
322
331
360
392
408
412
441
392
340
328
275
235
Interest
15
19
22
23
24
25
26
26
28
28
29
29
35
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
19
20
23
25
24
26
28
30
25
21
17
4
-14
Tax %
0%
0%
0%
0%
0%
18%
19%
19%
28%
28%
30%
-73%
0%
Net Profit
19
20
23
25
24
21
23
24
18
15
12
7
-14
EPS (₹)
2.25
2.35
2.74
3.03
2.92
2.54
2.78
2.88
2.13
1.84
1.47
0.85
-1.65
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
16
19
18
20
36
95
150
195
248
259
Expenses
279
410
690
707
915
1,076
1,260
1,576
1,330
1,287
Financing Profit
-266
-396
-682
-697
-895
-1,028
-1,189
-1,481
-1,196
-1,148
Fin. Margin %
-1716%
-2068%
-3760%
-3441%
-2512%
-1084%
-792%
-759%
-482%
-443%
Other Income
215
352
673
771
973
1,135
1,328
1,652
1,340
1,178
Interest
3
6
10
10
15
47
79
101
114
121
Depreciation
16
18
24
54
35
42
53
62
76
0
PBT
-67
-62
-32
20
43
65
86
108
67
29
Tax %
0%
0%
0%
0%
0%
0%
0%
15%
22%
—
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
6.3
2.51
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
45
45
45
45
83
83
83
83
83
Reserves
180
118
85
106
397
469
560
664
722
Borrowing
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
Figures in ₹ Crores

Cash Flow

Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
—
-84
-32
207
-20
57
76
-307
Investing
—
—
-31
-69
-64
-97
-104
-164
-143
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/OP
—
—
13
6
-24
2
-5
-6
27
Figures in ₹ Crores

Ratios

Particulars Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
-30%
-32%
-22%
15%
14%
13%
14%
13%
7%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Fino Payments Bank insights

73 extracted metrics + investor summaries across FY17–FY27.

Shareholding Pattern

FIIs0.03%Promot.75.00%Others5.33%Public19.64%As ofSep 2026

Documents

Frequently Asked Questions about Fino Payments Bank

What does Fino Payments Bank Ltd do?
Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underserved and underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygital m...
Where is Fino Payments Bank Ltd (FINOPB) listed?
Fino Payments Bank Ltd trades as FINOPB on the NSE and under code 543386 on the BSE.
Which sector does Fino Payments Bank Ltd belong to?
Fino Payments Bank Ltd is classified under the Banks sector, in the Payment Bank industry.
What is the market capitalisation of Fino Payments Bank Ltd?
Fino Payments Bank Ltd has a market capitalisation of ₹1,012 Cr as of 29 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Fino Payments Bank Ltd?
Fino Payments Bank Ltd trades at a PE ratio of 48.46 as of 29 Oct 2026, on earnings per share of ₹2.51, against a book value of ₹96.76 per share.
What is the 52-week high and low of Fino Payments Bank Ltd?
Over the last 52 weeks Fino Payments Bank Ltd has traded between ₹110.03 and ₹326.7 as of 29 Oct 2026.
What is the Return on Equity (ROE) of Fino Payments Bank Ltd?
Fino Payments Bank Ltd reported a return on equity of 6.51%. Its debt-to-equity ratio is 4.86.

Company Information

Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underserved and underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygital model, combining merchant-led assisted banking with digital channels viz FinoPay. Core offerings include CASA accounts, cash management services, domestic money transfer, AePS/Micro ATM, UPI and mobile banking; loans, fixed deposits and insurance distributed through partner arrangements[1][2]

Website finobank.com
CEO Mr. Rishi Gupta
Employees 2,769
Listed 2021-11-12
Face Value ₹ 10
Shares Outstanding 8,32,18,402

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