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Fino Payments Bank share price

Fino Payments Bank Ltd.

NSE: FINOPB BSE: 543386 SECTOR: Bank - Private  151k   66   22

279.75
-6.45 (-2.25%)
NSE: Today, 03:58 PM

Price Summary

Today's High

₹ 283.6

Today's Low

₹ 270.1

52 Week High

₹ 384

52 Week Low

₹ 201.35

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

2327.92 Cr.

CASA %

100

No. of Shares

8.32 Cr.

P/E

28.01

P/B

3.86

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  72.43

Net Interest Income

47.5 Cr.

Cost To Income %

94.5

Promoter Holding

75 %

EPS (TTM)

₹  9.99

CAR %

86.05

ROE

12.78 %

ROCE

10.98%

Profit Growth

52.28 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Brands

These are the brands of Fino Payments Bank Ltd.

Fino Bpay

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year12.78%
3 Year13.67%
5 Year-3.88%

ROA%

1 Year3.14%
3 Year2.94%
5 Year-1.04%

Net NPA%

1 Year0%
3 Year0%
5 Year0%

 NIM

1 Year2.4%
3 Year1.75%
5 Year2.02%

CAR %

86.05

Cost of Liabilities %

3.50563919860066

PEG Ratio

0.54

Advances Growth %

-52.2680833673886

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 75 0
Sep 2023 75 0
Jun 2023 75 0
Mar 2023 75 0
Dec 2022 75 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 2.94081231603146% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.6679553124715%.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0%.
  • CASA stands at 100% of total deposits.
  • Other Income is 1196.48932323757% of total income.
  • Good Capital Adequacy Ratio of 86.05%.
  • The company has delivered good Profit growth of 59.158118440259% over the past 3 years.
  • The company has delivered good Income growth of 73.6068487619878% over the past 3 years.

 Limitations

  • Company has a poor NIM of 1.74509518179126% for the last 3 years.
  • High Cost to income ratio of 94.4960220108382%.
  • Poor Advances growth of 4.6198814742116% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 25.27 29.4 32.97 36.53 39.15
Other Income 288.83 294.03 315.34 322.05 331.05
Interest Expended 13.58 14.3 15.45 18.87 21.59
Operating Expenses 281.42 287.05 314.16 319.63 325.81
Total Provisions 0 0 0 0.56 0
Profit Before Tax 19.1 22.08 18.7 19.52 22.8
Tax 0 0 0 0 0
Net Profit 19.1 22.08 18.7 19.52 22.8
Net NPA % 0 0 0 0 0
Gross NPA % 0 0 0 0 0
Return on Assets % 0.81 0.9 0.66 0.66 0.73
NPM % 75.58 75.1 56.72 53.44 58.24

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 19.15 18.13 20.25 35.63 94.86
Other Income 351.97 673.27 770.77 973.23 1135.05
Interest Expended 5.53 9.87 9.54 15.31 47.37
Operating Expenses 427.04 712.53 756.99 950.81 1117.46
Total Provisions 0.94 1.03 4.02 0 0
Profit Before Tax -62.38 -32.04 20.47 42.74 65.09
Taxes 0 0 0 0 0
Net Profit -62.38 -32.04 20.47 42.74 65.09
Adjusted EPS (Rs.) -8 -4.11 2.62 5.14 7.82

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 44.58 44.58 44.58 83.21 83.21
Total Reserves 117.53 85.49 105.97 393.43 458.52
Deposits 47.54 117.53 242.84 502.67 917.15
Borrowings 82.9 110.79 180.8 249.65 434.06
Other Liabilities 391.52 265.61 436.11 447.85 562.64
Total Liabilities 684.07 624 1010.29 1680 2466.4
Assets
Balance with RBI 157.45 130.81 88.32 223.86 219.94
Balance with Banks 230.86 171.17 182.5 542.31 614
Investments 73.2 128.27 503.56 631.4 1146.43
Advances 0.08 0.1 0.13 0.24 0.12
Net Block 41.88 49.05 62.41 92.29 139.43
Other Assets 180.25 144.16 171.57 189.45 341
Total Assets 684.07 624 1010.29 1680 2466.4
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 75.00 75.00 75.00 75.00 75.00
fino paytech limited 75.00 75.00 75.00 75.00 75.00
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 25.00 25.00 25.00 25.00 25.00
capri global holdings pri... 2.38 2.38 2.38 2.36 2.23
fidelity funds - india fo... 2.10 2.10 - 2.10 2.10
fidelity funds - pacific ... 2.06 2.06 - 1.86 1.85
motilal oswal focused fun... - - - - 4.66
motilal oswal dynamic fun... - 3.50 3.61 4.47 -
quant mutual fund - quant... - - - 1.12 -
fidelity funds-india focu... - - 2.10 - -
fidelity funds-pacific fu... - - 2.06 - -
steinberg india emerging ... 1.50 1.02 - - -
motilal oswal dynamic fun... 2.49 - - - -

Annual Reports

No Annual reports exist for this company.Report us

Ratings & Research Reports

No Credit and Research reports exist for this company.Report us

Company Presentations

Company News

Fino Payments Bank informs about press release8 Mar 2024, 4:09PM Fino Payments Bank informs about analyst meet23 Feb 2024, 2:30PM Fino Payments Bank informs about press release31 Jan 2024, 5:32PM Fino Payments Bank - Quaterly Results31 Jan 2024, 2:44PM Fino Payments Bank - Quaterly Results31 Jan 2024, 2:44PM Fino Payments Bank - Quaterly Results31 Jan 2024, 2:44PM Fino Payments Bank to increase touchpoints in West Bengal, North East15 Jan 2024, 6:13PM Fino Payments Bank informs about appointment of part-time chairman25 Nov 2023, 12:41PM Fino Payments Bank informs about analyst meet 20 Nov 2023, 12:37PM Fino Payments Bank reports 41% rise in Q2 net profit2 Nov 2023, 3:18PM Fino Payments Bank informs about press release2 Nov 2023, 2:27PM Fino Payments Bank informs about outcome of board meeting1 Nov 2023, 5:08PM Fino Payments Bank - Quaterly Results1 Nov 2023, 4:36PM Fino Payments Bank - Quaterly Results1 Nov 2023, 4:36PM Fino Payments Bank - Quaterly Results1 Nov 2023, 4:36PM Fino Payments Bank informs about investor presentation28 Jul 2023, 5:19PM Fino Payments Bank - Quaterly Results28 Jul 2023, 4:20PM Fino Payments Bank - Quaterly Results28 Jul 2023, 4:20PM Fino Payments Bank - Quaterly Results28 Jul 2023, 4:20PM Fino Payments Bank looking to upgrade to small finance bank21 Jul 2023, 11:07AM Fino Payments Bank informs about resignation of director1 Jul 2023, 12:21PM Fino Payments Bank reports 25% rise in Q4 net profit3 May 2023, 11:08AM Fino Payments Bank - Quaterly Results2 May 2023, 6:22PM Fino Payments Bank - Quaterly Results2 May 2023, 6:22PM Fino Payments Bank - Quaterly Results2 May 2023, 6:22PM Fino Payments Bank informs about reappointment of MD cum CEO29 Apr 2023, 2:30PM Fino Payments Bank informs about press release30 Mar 2023, 11:48AM Fino Payments Bank renews association with Rajasthan Royals30 Mar 2023, 11:12AM Fino Payments Bank - Quaterly Results2 Feb 2023, 5:44PM Fino Payments Bank - Quaterly Results2 Feb 2023, 5:44PM Fino Payments Bank - Quaterly Results2 Feb 2023, 5:44PM Fino Payments Bank informs about clarification26 Nov 2022, 11:52AM Fino Payments Bank informs about analyst meet 17 Nov 2022, 3:33PM Fino Payments Bank informs about resignation of nominee director5 Nov 2022, 12:12PM Fino Payments Bank reports 75% rise in Q2 net profit1 Nov 2022, 12:29PM Fino Payments Bank informs about investor presentation1 Nov 2022, 12:22PM Fino Payments Bank - Quaterly Results31 Oct 2022, 7:57PM Fino Payments Bank - Quaterly Results31 Oct 2022, 7:57PM Fino Payments Bank informs about compliance certificate14 Oct 2022, 5:18PM Fino Payments Bank executes Share Subscription and Shareholders’ agreement with PaySprint21 Sep 2022, 12:20PM Fino Payments Bank informs about analyst meet15 Sep 2022, 4:56PM Fino Payments Bank informs about analyst meet14 Sep 2022, 4:53PM Fino Payments Bank submits newspaper publication8 Sep 2022, 3:18PM Fino Payments Bank informs about investor presentation28 Jul 2022, 11:52AM Fino Payments Bank - Quaterly Results27 Jul 2022, 7:44PM Fino Payments Bank - Quaterly Results27 Jul 2022, 7:44PM Fino Payments Bank informs about press release on product launch9 Jun 2022, 2:12PM Fino Payments Bank partners with Go Digit General Insurance9 Jun 2022, 12:20PM Fino Payments Bank reports over 2-fold jump in Q4 net profit17 May 2022, 11:59AM Fino Payments Bank informs about statement of deviation(s) or variation(s) 17 May 2022, 11:00AM

Fino Payments Bank Stock Price Analysis and Quick Research Report. Is Fino Payments Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Fino Payments Bank is performing and if it is the right time to buy the stock of Fino Payments Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Fino Payments Bank has earned Rs 94.8649 Cr. revenue in the latest financial year. Fino Payments Bank has posted outstanding revenue growth of 73.6068487619878 % in last 3 Years.

  • In terms of advances, Fino Payments Bank reported -52.2680833673886 % YOY,  fall . If you see 3 years advance growth, it stands at 4.6198814742116 %.

  • Currently, Fino Payments Bank has a CASA ratio of 100 %. It’s overall cost of liability stands at 3.50563919860066 %. Also, the total deposits of Fino Payments Bank from these accounts stood at Rs 917.147 Cr.

  • Fino Payments Bank has a healthy ROA track record. The ROA of Fino Payments Bank is at 3.13944331375918 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 0 % and 0 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at 0 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Fino Payments Bank surged and is currently at Rs 1135.0484 Cr.

  • Fino Payments Bank has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Fino Payments Bank is trading at a P/B of 3.8545 . The historical average PB of Fino Payments Bank was 1.50096163901536.

  • Share Price: - The current share price of Fino Payments Bank is Rs 279.15. One can use valuation calculators of ticker to know if Fino Payments Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Fino Payments Bank

Fino Payments Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Fino Payments Bank Ltd. is a leading banking institution established with the aim of providing easy and accessible banking services to all sections of society. With its innovative and customer-centric approach, Fino Payments Bank has emerged as a trusted name in the banking industry. The company offers a range of services including savings accounts, current accounts, and digital banking solutions.

Fino Payments Bank Ltd. - Share Price

Stay updated with the latest share price of Fino Payments Bank Ltd. on our website. Our pre-built screening tools allow you to track the performance of the company's stock and analyze its trends over time. Visit our stock analysis page to view the historical data and make informed investment decisions.

Fino Payments Bank Ltd. - Balance Sheet

Access the balance sheet of Fino Payments Bank Ltd. to gain insights into the company's financial health. Our premium features offer fair value calculation using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. Analyze the company's assets, liabilities, and equity structure to evaluate its stability and growth potential.

Fino Payments Bank Ltd. - Annual Report

Download the annual reports of Fino Payments Bank Ltd. from our website and delve into the company's performance over the years. Analyzing the annual report helps you understand the company's strategic goals, achievements, and challenges. Stay informed about the company's financial statements, management discussions, and future prospects.

Fino Payments Bank Ltd. - Dividend

Track the dividend history of Fino Payments Bank Ltd. on our website. Dividends are an important aspect for long-term investors, and our platform provides the dividend payment details of the company. Stay updated on dividend announcements, payment dates, and dividend yield.

Fino Payments Bank Ltd. - Quarterly Result

Stay abreast of Fino Payments Bank Ltd.'s quarterly financial performance. Our website offers downloadable quarterly result documents that give you a comprehensive view of the company's revenue, expenses, and profitability. Utilize our premium features to perform fair value calculations and evaluate the company's performance in-depth.

Fino Payments Bank Ltd. - Stock Price

Track the stock price of Fino Payments Bank Ltd. with our user-friendly tools. Our website provides real-time updates on stock prices, allowing you to monitor market movements and make informed investment decisions. Access historical price charts and analyze patterns to identify potential buying or selling opportunities.

Fino Payments Bank Ltd. - Price Chart

Analyze the price chart of Fino Payments Bank Ltd. to identify trends and patterns in the stock's performance. Our website offers comprehensive price charts that can be customized to various timeframes. Stay informed about support and resistance levels, moving averages, and other technical indicators to make informed investment decisions.

Fino Payments Bank Ltd. - News

Stay updated with the latest news and developments surrounding Fino Payments Bank Ltd. Our website provides a dedicated news section that covers company-specific news, industry updates, regulatory changes, and other relevant information. Stay informed to make well-informed investment decisions.

Fino Payments Bank Ltd. - Concall Transcripts

Access the concall transcripts of Fino Payments Bank Ltd. on our website. Concall transcripts provide insights into the company's management discussions, strategies, and future outlook. Analyze key highlights and decisions taken during the concalls to gain a deeper understanding of the company's operations and performance.

Fino Payments Bank Ltd. - Investor Presentations

Download investor presentations of Fino Payments Bank Ltd. from our website. Investor presentations provide a comprehensive overview of the company's operations, financial performance, and future plans. Stay informed about the company's growth strategies, market positioning, and competitive advantages.

Fino Payments Bank Ltd. - Promoters

Gain insights into the promoters of Fino Payments Bank Ltd. Promoters play a crucial role in shaping the company's strategic direction. Our website provides information about the promoters and their contribution to the company's growth and success. Stay informed about the key individuals behind the company's operations.

Fino Payments Bank Ltd. - Shareholders

Stay updated with the list of major shareholders of Fino Payments Bank Ltd. Shareholding patterns provide valuable insights into the company's ownership structure. Our website offers detailed information on institutional investors, mutual funds, and other major shareholders. Analyze the shareholding pattern to identify investor confidence and potential market impact.

Please note that not all features and tools mentioned in this content are available for free. Access to some premium features may require a subscription to our website. We strive to provide you with comprehensive and accurate information to aid your stock analysis as a long-term investor.

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