Fino Payments Bank Statistics

Total Valuation

NSE:FINOPB has a market cap or net worth of INR 23.58 billion.

Market Cap	23.58B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, July 28, 2025.

Earnings Date	Jul 28, 2025
Ex-Dividend Date	n/a

Share Statistics

NSE:FINOPB has 83.22 million shares outstanding. The number of shares has increased by 0.30% in one year.

Current Share Class	83.22M
Shares Outstanding	83.22M
Shares Change (YoY)	+0.30%
Shares Change (QoQ)	-0.49%
Owned by Insiders (%)	0.52%
Owned by Institutions (%)	11.93%
Float	19.37M

Valuation Ratios

The trailing PE ratio is 25.58 and the forward PE ratio is 21.26.

PE Ratio	25.58
Forward PE	21.26
PS Ratio	1.35
PB Ratio	3.16
P/TBV Ratio	3.16
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.36
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.31%.

Return on Equity (ROE)	13.31%
Return on Assets (ROA)	2.43%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	6.51M
Profits Per Employee	345,004
Employee Count	2,682
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:FINOPB has paid 158.20 million in taxes.

Income Tax	158.20M
Effective Tax Rate	14.60%

Stock Price Statistics

The stock price has increased by +0.23% in the last 52 weeks. The beta is 0.58, so NSE:FINOPB's price volatility has been lower than the market average.

Beta (5Y)	0.58
52-Week Price Change	+0.23%
50-Day Moving Average	245.62
200-Day Moving Average	308.90
Relative Strength Index (RSI)	71.34
Average Volume (20 Days)	528,772

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NSE:FINOPB had revenue of INR 17.47 billion and earned 925.30 million in profits. Earnings per share was 11.08.

Revenue	17.47B
Gross Profit	17.47B
Operating Income	1.08B
Pretax Income	1.08B
Net Income	925.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	11.08

Full Income Statement

Balance Sheet

The company has 11.04 billion in cash and 8.39 billion in debt, giving a net cash position of 2.65 billion or 31.81 per share.

Cash & Cash Equivalents	11.04B
Total Debt	8.39B
Net Cash	2.65B
Net Cash Per Share	31.81
Equity (Book Value)	7.47B
Book Value Per Share	89.94
Working Capital	-16.75B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -4.51 billion and capital expenditures -1.65 billion, giving a free cash flow of -6.15 billion.

Operating Cash Flow	-4.51B
Capital Expenditures	-1.65B
Free Cash Flow	-6.15B
FCF Per Share	-73.93

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	6.20%
Pretax Margin	6.20%
Profit Margin	5.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

NSE:FINOPB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.30%
Shareholder Yield	n/a
Earnings Yield	3.92%
FCF Yield	-26.09%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2