Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Statistics

Total Valuation

NSE:FINOPB has a market cap or net worth of INR 17.73 billion.

Market Cap	17.73B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, January 29, 2026.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	n/a

Share Statistics

NSE:FINOPB has 83.22 million shares outstanding. The number of shares has increased by 0.14% in one year.

Current Share Class	83.22M
Shares Outstanding	83.22M
Shares Change (YoY)	+0.14%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	1.54%
Owned by Institutions (%)	8.36%
Float	18.09M

Valuation Ratios

The trailing PE ratio is 22.16 and the forward PE ratio is 17.29.

PE Ratio	22.16
Forward PE	17.29
PS Ratio	1.05
PB Ratio	2.25
P/TBV Ratio	2.25
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	-2.03
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.86%.

Return on Equity (ROE)	10.86%
Return on Assets (ROA)	2.04%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.85%
Revenue Per Employee	6.08M
Profits Per Employee	289,724
Employee Count	2,769
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:FINOPB has paid 79.60 million in taxes.

Income Tax	79.60M
Effective Tax Rate	9.03%

Stock Price Statistics

The stock price has decreased by -29.06% in the last 52 weeks. The beta is 0.54, so NSE:FINOPB's price volatility has been lower than the market average.

Beta (5Y)	0.54
52-Week Price Change	-29.06%
50-Day Moving Average	264.56
200-Day Moving Average	268.89
Relative Strength Index (RSI)	27.95
Average Volume (20 Days)	202,731

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 16.85 billion and earned 802.25 million in profits. Earnings per share was 9.61.

Revenue	16.85B
Gross Profit	16.85B
Operating Income	881.85M
Pretax Income	881.85M
Net Income	802.25M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	9.61

Balance Sheet

The company has 11.98 billion in cash and 8.65 billion in debt, with a net cash position of 3.32 billion or 39.93 per share.

Cash & Cash Equivalents	11.98B
Total Debt	8.65B
Net Cash	3.32B
Net Cash Per Share	39.93
Equity (Book Value)	7.86B
Book Value Per Share	94.48
Working Capital	-17.58B

Cash Flow

In the last 12 months, operating cash flow was -2.68 billion and capital expenditures -1.59 billion, giving a free cash flow of -4.27 billion.

Operating Cash Flow	-2.68B
Capital Expenditures	-1.59B
Free Cash Flow	-4.27B
FCF Per Share	-51.34

Margins

Gross Margin	n/a
Operating Margin	5.23%
Pretax Margin	5.23%
Profit Margin	4.76%
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	-0.14%
Shareholder Yield	-0.14%
Earnings Yield	4.53%
FCF Yield	-24.10%

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