Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Statistics

Total Valuation

NSE:FINOPB has a market cap or net worth of INR 10.81 billion.

Market Cap	10.81B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, April 29, 2026.

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

Share Statistics

NSE:FINOPB has 83.22 million shares outstanding. The number of shares has decreased by -0.16% in one year.

Current Share Class	83.22M
Shares Outstanding	83.22M
Shares Change (YoY)	-0.16%
Shares Change (QoQ)	+0.24%
Owned by Insiders (%)	1.54%
Owned by Institutions (%)	8.35%
Float	19.10M

Valuation Ratios

The trailing PE ratio is 20.66 and the forward PE ratio is 8.01.

PE Ratio	20.66
Forward PE	8.01
PS Ratio	0.73
PB Ratio	1.34
P/TBV Ratio	1.34
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	-1.73
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.76%.

Return on Equity (ROE)	6.76%
Return on Assets (ROA)	1.10%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.26%
Revenue Per Employee	5.32M
Profits Per Employee	189,455
Employee Count	2,769
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:FINOPB has paid 149.50 million in taxes.

Income Tax	149.50M
Effective Tax Rate	22.18%

Stock Price Statistics

The stock price has decreased by -43.11% in the last 52 weeks. The beta is 0.66, so NSE:FINOPB's price volatility has been lower than the market average.

Beta (5Y)	0.66
52-Week Price Change	-43.11%
50-Day Moving Average	150.52
200-Day Moving Average	238.13
Relative Strength Index (RSI)	44.72
Average Volume (20 Days)	451,962

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 14.74 billion and earned 524.60 million in profits. Earnings per share was 6.29.

Revenue	14.74B
Gross Profit	14.74B
Operating Income	718.00M
Pretax Income	674.10M
Net Income	524.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	6.29

Balance Sheet

The company has 13.51 billion in cash and 15.35 billion in debt, with a net cash position of -1.85 billion or -22.19 per share.

Cash & Cash Equivalents	13.51B
Total Debt	15.35B
Net Cash	-1.85B
Net Cash Per Share	-22.19
Equity (Book Value)	8.05B
Book Value Per Share	96.40
Working Capital	-25.64B

Cash Flow

In the last 12 months, operating cash flow was -7.47 billion and capital expenditures -1.43 billion, giving a free cash flow of -8.89 billion.

Operating Cash Flow	-7.47B
Capital Expenditures	-1.43B
Depreciation & Amortization	n/a
Net Borrowing	6.96B
Free Cash Flow	-8.89B
FCF Per Share	-106.89

Margins

Gross Margin	n/a
Operating Margin	4.87%
Pretax Margin	4.57%
Profit Margin	3.56%
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	0.16%
Shareholder Yield	0.16%
Earnings Yield	4.85%
FCF Yield	-82.26%

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