Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Revenue Revenue Growth	14,737	14,737	17,307	13,988	11,825	9,935
Revenue Growth	-14.85%	-14.85%	23.72%	18.29%	19.02%	27.79%
Net Income Net Income Growth	524.6	524.6	925.35	862.24	650.87	427.41
Earnings Per Share EPS Growth	6.29	6.29	11.08	10.36	7.82	5.34
EPS Growth	-43.23%	-43.23%	6.95%	32.48%	46.44%	103.82%

Revenue by Segment

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Retail Banking Retail Banking Growth	4,935	4,935	4,238	3,105	2,241	1,795
Treasury Treasury Growth	2,482	2,482	1,947	1,497	919.4	357
Other Banking Operations Other Banking Operations Growth	8,456	8,456	12,280	10,178	9,112	7,939
Unallocated Unallocated Growth	6.1	6.1	6.1	3.5	26.4	-2.2
Total Total Growth	15,879	15,879	18,471	14,784	12,299	10,089

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash & Investments Cash & Investments Growth	13,506	13,506	9,222	7,496	6,186	5,520
Total Debt Total Debt Growth	15,353	15,353	8,395	7,127	4,341	2,497
Net Cash (Debt) Net Cash Growth	-1,847	-1,847	827.38	369.09	1,845	3,023
Net Cash Growth	-	-	124.17%	-80.00%	-38.95%	3636.95%
Net Cash Per Share Net Cash Per Share Growth	-22.15	-22.15	9.90	4.43	22.18	37.78

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Operating Cash Flow Operating Cash Flow Growth	-7,468	-7,468	-4,507	-4,386	-4,346	-504.09
Capital Expenditures CapEx Growth	-1,427	-1,427	-1,645	-1,038	-943.41	-643.54
Free Cash Flow Free Cash Flow Growth	-8,895	-8,895	-6,152	-5,424	-5,289	-1,148
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Profit Margin	3.56%	3.56%	5.35%	6.16%	5.50%	4.30%
FCF Margin	-60.36%	-60.36%	-35.55%	-38.77%	-44.73%	-11.55%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug 3, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
PE Ratio	25.29	18.74	20.50	27.44	26.11	48.95
Forward PE	9.81	7.67	17.03	24.88	19.16	27.78
PS Ratio	0.90	0.67	1.10	1.69	1.44	2.11

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

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