Fino Payments Bank Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	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
Net Income	524.6	925.35	862.24	650.87	427.41
Depreciation & Amortization	761.5	621.5	534.46	418.55	354.5
Gain (Loss) on Sale of Assets	-	-0.32	-0.13	0.17	3.3
Gain (Loss) on Sale of Investments	232.3	32.5	0.23	0.23	-
Provision for Credit Losses	-	-	5.6	-	-
Change in Other Net Operating Assets	-9,149	-6,291	-5,859	-5,562	-1,283
Other Operating Activities	89	81.09	26.96	69.83	-37.86
Operating Cash Flow	-7,468	-4,507	-4,386	-4,346	-504.09
Capital Expenditures	-1,427	-1,645	-1,038	-943.41	-643.54
Sale of Property, Plant and Equipment	-	0.57	0.26	3.06	0.43
Investment in Securities	-	-	-	-24.98	-
Investing Cash Flow	-1,427	-1,645	-1,038	-965.33	-643.11
Short-Term Debt Issued	6,958	-	-	-	-
Long-Term Debt Issued	-	1,268	2,786	1,844	688.58
Total Debt Issued	6,958	1,268	2,786	1,844	688.58
Net Debt Issued (Repaid)	6,958	1,268	2,786	1,844	688.58
Issuance of Common Stock	-	0.92	-	-	2,834
Net Increase (Decrease) in Deposit Accounts	4,401	5,269	4,954	4,145	2,579
Financing Cash Flow	11,359	6,538	7,740	5,989	6,101
Net Cash Flow	2,464	386.39	2,316	677.76	4,953
Free Cash Flow	-8,895	-6,152	-5,424	-5,289	-1,148
Free Cash Flow Margin	-60.36%	-35.55%	-38.77%	-44.73%	-11.55%
Free Cash Flow Per Share	-106.65	-73.64	-65.14	-63.56	-14.34
Cash Income Tax Paid	-	127.68	22.43	-34.87	75.29

Source: S&P Global Market Intelligence. Banks template. Financial Sources.