Fino Payments Bank Limited (NSE:FINOPB)

India · Delayed Price · Currency is INR

126.63

-0.08 (-0.06%)

Nov 11, 2026, 2:30 PM IST

Fino Payments Bank Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	12,309	14,587	17,307	13,988	11,825	9,935
Revenue Growth	-26.95%	-15.72%	23.72%	18.29%	19.02%	27.79%
Net Income	-152.75	524.55	925.35	862.24	650.87	427.41
Earnings Per Share	-1.84	6.29	11.08	10.36	7.82	5.34
EPS Growth	-	-43.23%	6.95%	32.48%	46.44%	103.82%

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Retail Banking	5,145	4,935	4,238	3,105	2,241	1,795
Treasury	2,751	2,482	1,947	1,497	919.4	357
Other Banking Operations	5,852	8,456	12,280	10,178	9,112	7,939
Unallocated	0.8	6.1	6.1	3.5	26.4	-2.2
Total	13,749	15,879	18,471	14,784	12,299	10,089

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	12,615	11,972	9,222	7,496	6,186	5,520
Total Debt	22,246	15,353	8,395	7,127	4,341	2,497
Net Cash (Debt)	-9,632	-3,381	827.38	369.09	1,845	3,023
Net Cash Growth	-	-	124.17%	-80.00%	-38.95%	3636.95%
Net Cash Per Share	-115.72	-40.56	9.90	4.43	22.18	37.78

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-13,990	-7,468	-4,507	-4,386	-4,346	-504.09
Capital Expenditures	-1,052	-1,427	-1,645	-1,038	-943.41	-643.54
Free Cash Flow	-15,042	-8,895	-6,152	-5,424	-5,289	-1,148
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Profit Margin	-1.24%	3.60%	5.35%	6.16%	5.50%	4.30%
FCF Margin	-122.21%	-60.98%	-35.55%	-38.77%	-44.73%	-11.55%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Nov '26 Nov 11, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	-	18.74	20.50	27.44	26.11	48.95
Forward PE	7.81	7.67	17.03	24.88	19.16	27.78
PS Ratio	0.86	0.67	1.10	1.69	1.44	2.11