Fino Payments Bank Ratios and Metrics

Market cap in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 30, 2026	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
Market Capitalization	10,578	18,965	23,658	16,997	20,920	-
Market Cap Growth	-37.08%	-19.84%	39.19%	-18.75%	-	-
Last Close Price	127.11	227.89	284.30	204.25	251.40	-
PE Ratio	15.28	20.50	27.44	26.11	48.95	-
PS Ratio	0.66	1.10	1.69	1.44	2.11	-
PB Ratio	1.35	2.54	3.68	3.08	4.36	-
Debt / Equity Ratio	1.10	1.12	1.11	0.79	0.52	1.20
Net Debt / Equity Ratio	-0.42	-0.11	-0.06	-0.33	-0.63	-0.05
Net Debt / FCF Ratio	-	0.13	0.07	0.35	2.63	0.04
Return on Equity (ROE)	-	13.31%	14.42%	12.61%	13.56%	14.59%
Return on Assets (ROA)	-	2.43%	2.93%	3.14%	3.18%	2.51%
Earnings Yield	6.56%	4.88%	3.65%	3.83%	2.04%	-
FCF Yield	-	-32.44%	-22.93%	-31.12%	-5.49%	-
Buyback Yield / Dilution	0.15%	-0.33%	-0.06%	-4.01%	-2.56%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.