Fino Payments Bank Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2018 - 2020
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2018 - 2020
Net Income	802.25	925.35	862.24	650.87	427.41	204.74	Upgrade
Depreciation & Amortization	680.5	621.5	534.46	418.55	354.5	535.83	Upgrade
Gain (Loss) on Sale of Assets	-0.02	-0.32	-0.13	0.17	3.3	6.37	Upgrade
Gain (Loss) on Sale of Investments	116.1	32.5	0.23	0.23	-	-	Upgrade
Provision for Credit Losses	-	-	5.6	-	-	40.22	Upgrade
Change in Other Net Operating Assets	-4,477	-6,291	-5,859	-5,562	-1,283	-2,485	Upgrade
Other Operating Activities	64.99	81.09	26.96	69.83	-37.86	122.95	Upgrade
Operating Cash Flow	-2,682	-4,507	-4,386	-4,346	-504.09	-1,575	Upgrade
Capital Expenditures	-1,590	-1,645	-1,038	-943.41	-643.54	-690.39	Upgrade
Sale of Property, Plant and Equipment	-0.03	0.57	0.26	3.06	0.43	0.92	Upgrade
Investment in Securities	-	-	-	-24.98	-	-	Upgrade
Investing Cash Flow	-1,590	-1,645	-1,038	-965.33	-643.11	-689.46	Upgrade
Long-Term Debt Issued	-	1,268	2,786	1,844	688.58	700.07	Upgrade
Net Debt Issued (Repaid)	695.27	1,268	2,786	1,844	688.58	700.07	Upgrade
Issuance of Common Stock	0.92	0.92	-	-	2,834	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,533	5,269	4,954	4,145	2,579	1,253	Upgrade
Financing Cash Flow	7,230	6,538	7,740	5,989	6,101	1,953	Upgrade
Net Cash Flow	2,957	386.39	2,316	677.76	4,953	-311.62	Upgrade
Free Cash Flow	-4,273	-6,152	-5,424	-5,289	-1,148	-2,266	Upgrade
Free Cash Flow Margin	-25.36%	-35.55%	-38.77%	-44.73%	-11.55%	-29.14%	Upgrade
Free Cash Flow Per Share	-51.17	-73.64	-65.14	-63.56	-14.34	-29.04	Upgrade
Cash Income Tax Paid	219.58	127.68	22.43	-34.87	75.29	-95.06	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.