Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Statistics

Total Valuation

NSE:FINOPB has a market cap or net worth of INR 22.49 billion.

Market Cap	22.49B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, October 22, 2025.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	n/a

Share Statistics

NSE:FINOPB has 83.22 million shares outstanding. The number of shares has increased by 0.25% in one year.

Current Share Class	83.22M
Shares Outstanding	83.22M
Shares Change (YoY)	+0.25%
Shares Change (QoQ)	+0.06%
Owned by Insiders (%)	0.29%
Owned by Institutions (%)	8.34%
Float	19.13M

Valuation Ratios

The trailing PE ratio is 26.23 and the forward PE ratio is 20.88.

PE Ratio	26.23
Forward PE	20.88
PS Ratio	1.28
PB Ratio	3.01
P/TBV Ratio	3.01
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

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	n/a
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	6.35M
Profits Per Employee	310,654
Employee Count	2,769
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:FINOPB has paid 226.90 million in taxes.

Income Tax	226.90M
Effective Tax Rate	20.87%

Stock Price Statistics

The stock price has decreased by -35.15% in the last 52 weeks. The beta is 0.67, so NSE:FINOPB's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	-35.15%
50-Day Moving Average	272.01
200-Day Moving Average	273.27
Relative Strength Index (RSI)	51.18
Average Volume (20 Days)	322,849

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 17.59 billion and earned 860.20 million in profits. Earnings per share was 10.30.

Revenue	17.59B
Gross Profit	17.59B
Operating Income	1.09B
Pretax Income	1.09B
Net Income	860.20M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	10.30

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	n/a

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	6.18%
Pretax Margin	6.18%
Profit Margin	4.89%
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	-0.25%
Shareholder Yield	n/a
Earnings Yield	3.83%
FCF Yield	n/a

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	1