Fino Payments Bank
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Fino Payments Bank share price

Fino Payments Bank Ltd.

NSE: FINOPB BSE: 543386 SECTOR: Bank - Private  172k   91   28

227.89
+2.13 (0.94%)
NSE: 28 Mar 4:00 PM

Price Summary

Today's High

₹ 235.51

Today's Low

₹ 221.99

52 Week High

₹ 463.2

52 Week Low

₹ 200

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1896.46 Cr.

CASA %

100

No. of Shares

8.32 Cr.

P/E

20.23

P/B

2.72

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  83.69

Net Interest Income

₹ 71.15 Cr.

Cost To Income %

93.79

Promoter Holding

75 %

EPS (TTM)

₹  11.26

CAR %

74.5

ROE

14.74 %

ROCE

11.74%

Profit Growth

32.48 %

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* 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year14.74%
3 Year13.72%
5 Year6.76%

ROA%

1 Year2.93%
3 Year3.08%
5 Year1.37%

Net NPA%

1 Year0%
3 Year0%
5 Year0%

 NIM

1 Year2.53%
3 Year2.13%
5 Year1.94%

CAR %

74.5

Cost of Liabilities %

3.7126

PEG Ratio

0.62

Advances Growth %

-41.0103

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2024 75.00 0.00
Sep 2024 75.00 0.00
Jun 2024 75.00 0.00
Mar 2024 75.00 0.00
Dec 2023 75.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 3.08226924353773% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.7182757418274%.
  • 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 885.285245857937% of total income.
  • Good Capital Adequacy Ratio of 74.5%.
  • The company has delivered good Profit growth of 61.487793755484% over the past 3 years.
  • The company has delivered good Income growth of 94.9374170585879% over the past 3 years.

 Limitations

  • High Cost to income ratio of 93.7933%.
  • Poor Advances growth of -19.4229897863291% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 39.15 41.4 45.33 47.75 49.35
Other Income 331.05 359.9 391.53 407.66 411.99
Interest Expended 21.59 22.99 23.89 25.05 25.65
Operating Expenses 325.81 353.02 388.7 404.43 407.24
Total Provisions 0 0 0 0 0
Profit Before Tax 22.8 25.29 24.27 25.93 28.45
Tax 0 0.08 0 4.78 5.34
Net Profit 22.8 25.21 24.27 21.15 23.11
Net NPA % 0 0 0 0 0
Gross NPA % 0 0 0 0 0
Return on Assets % 0.73 0.77 0.71 0.61 0.63
NPM % 58.24 60.89 53.54 44.29 46.83

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 18.13 20.25 35.63 94.86 150.05
Other Income 673.27 770.77 973.23 1135.05 1328.34
Interest Expended 9.87 9.54 15.31 47.37 78.9
Operating Expenses 712.53 756.99 950.81 1117.46 1312.62
Total Provisions 1.03 4.02 0 0 0.56
Profit Before Tax -32.04 20.47 42.74 65.09 86.3
Taxes 0 0 0 0 0.08
Net Profit -32.04 20.47 42.74 65.09 86.22
Adjusted EPS (Rs.) -4.11 2.62 5.14 7.82 10.36

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 44.58 44.58 83.21 83.21 83.21
Total Reserves 85.49 105.97 393.43 458.52 544.74
Deposits 117.53 242.84 502.67 917.15 1412.54
Borrowings 110.79 180.8 249.65 434.06 712.65
Other Liabilities 265.61 436.11 447.85 562.64 650.75
Total Liabilities 624 1010.29 1680 2466.4 3419.11
Assets
Balance with RBI 130.81 88.32 223.86 219.94 317.43
Balance with Banks 171.17 182.5 542.31 614 748.12
Investments 128.27 503.56 631.4 1146.43 1746.93
Advances 0.1 0.13 0.24 0.12 0.07
Net Block 49.05 62.41 92.29 139.43 147.91
Other Assets 144.16 171.57 189.45 341 411.32
Total Assets 624 1010.29 1680 2466.4 3419.11
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
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 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 25.00 25.00 25.00 25.00 25.00
envision india fund - - 1.00 1.21 1.36
fidelity funds - india fo... 2.10 2.10 2.10 1.81 1.51
motilal oswal dynamic fun... - - - 4.96 4.96
capri global holdings pri... 2.23 2.16 1.21 - -
fidelity funds - pacific ... 1.85 1.36 1.29 - -
motilal oswal multi asset... - - 4.96 - -
motilal oswal focused fun... 4.66 4.88 - - -

Annual Reports

Ratings & Research Reports

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

Company Presentations

Company News

Fino Payments Bank submits analyst meet intimation 10 Mar, 5:17 PM Fino Payments Bank - Quaterly Results 29 Jan, 6:39 PM Fino Payments Bank - Quaterly Results 29 Jan, 6:39 PM Fino Payments Bank - Quaterly Results 29 Jan, 6:39 PM Fino Payments Bank informs about earnings call with investors 21 Jan, 2:43 PM Fino Payments Bank informs about analyst meet 16 Dec, 5:20 PM Fino Payments Bank informs about analyst meet 11 Dec, 5:20 PM Fino Payments Bank - Quaterly Results 23 Oct, 4:10 PM Fino Payments Bank - Quaterly Results 23 Oct, 4:10 PM Fino Payments Bank - Quaterly Results 23 Oct, 4:10 PM Fino Payments Bank informs about disclosure 18 Sep, 5:22 PM Fino Payments Bank informs about investors meeting 14 Sep, 11:13 AM Fino Payments Bank informs about newspaper advertisement 30 Aug, 3:19 PM Fino Payments Bank - Quaterly Results 31 Jul, 4:51 PM Fino Payments Bank - Quaterly Results 31 Jul, 4:51 PM Fino Payments Bank - Quaterly Results 31 Jul, 4:51 PM Fino Payments Bank informs about conference call 24 Jul, 4:33 PM Fino Payments Bank informs about analyst meet 11 Jun, 12:52 PM Fino Payments Bank informs about analyst meet 5 Jun, 5:03 PM Fino Payments Bank informs about outcome of board meeting 30 Apr, 5:55 PM Fino Payments Bank reports 14% rise in Q4 net profit 30 Apr, 4:30 PM Fino Payments Bank - Quaterly Results 30 Apr, 2:50 PM Fino Payments Bank - Quaterly Results 30 Apr, 2:50 PM Fino Payments Bank - Quaterly Results 30 Apr, 2:50 PM Fino Payments Bank informs about press release 8 Mar, 4:09 PM Fino Payments Bank informs about analyst meet 23 Feb, 2:30 PM Fino Payments Bank informs about press release 31 Jan, 5:32 PM Fino Payments Bank - Quaterly Results 31 Jan, 2:44 PM Fino Payments Bank - Quaterly Results 31 Jan, 2:44 PM Fino Payments Bank - Quaterly Results 31 Jan, 2:44 PM Fino Payments Bank to increase touchpoints in West Bengal, North East 15 Jan, 6:13 PM Fino Payments Bank informs about appointment of part-time chairman 25 Nov, 12:41 PM Fino Payments Bank informs about analyst meet 20 Nov, 12:37 PM Fino Payments Bank reports 41% rise in Q2 net profit 2 Nov, 3:18 PM Fino Payments Bank informs about press release 2 Nov, 2:27 PM Fino Payments Bank informs about outcome of board meeting 1 Nov, 5:08 PM Fino Payments Bank - Quaterly Results 1 Nov, 4:36 PM Fino Payments Bank - Quaterly Results 1 Nov, 4:36 PM Fino Payments Bank - Quaterly Results 1 Nov, 4:36 PM Fino Payments Bank informs about investor presentation 28 Jul, 5:19 PM Fino Payments Bank - Quaterly Results 28 Jul, 4:20 PM Fino Payments Bank - Quaterly Results 28 Jul, 4:20 PM Fino Payments Bank - Quaterly Results 28 Jul, 4:20 PM Fino Payments Bank looking to upgrade to small finance bank 21 Jul, 11:07 AM Fino Payments Bank informs about resignation of director 1 Jul, 12:21 PM Fino Payments Bank reports 25% rise in Q4 net profit 3 May, 11:08 AM Fino Payments Bank - Quaterly Results 2 May, 6:22 PM Fino Payments Bank - Quaterly Results 2 May, 6:22 PM Fino Payments Bank - Quaterly Results 2 May, 6:22 PM Fino Payments Bank informs about reappointment of MD cum CEO 29 Apr, 2:30 PM

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.

Fino Payments Bank stock price today is Rs 227.89. 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 150.046 Cr. revenue in the latest financial year. Fino Payments Bank has posted outstanding revenue growth of 94.9374170585879 % in last 3 Years.

  • In terms of advances, Fino Payments Bank reported -41.0103 % YOY,  fall . If you see 3 years advance growth, it stands at -19.4229897863291 %.

  • Currently, Fino Payments Bank has a CASA ratio of 100 %. It’s overall cost of liability stands at 3.7126 %. Also, the total deposits of Fino Payments Bank from these accounts stood at Rs 1412.54 Cr.

  • Fino Payments Bank has a healthy ROA track record. The ROA of Fino Payments Bank is at 2.93 %.

  • 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 1328.3351 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 2.6834 . The historical average PB of Fino Payments Bank was 2.24637048283652.

  • Share Price: - The current share price of Fino Payments Bank is Rs 227.89. 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. 

Fino Payments Bank Equity and Liabilities

Analyzing the standalone balance sheet of Fino Payments Bank, it's notable that from March 2020 to March 2024, the bank's share capital has remained steady at Rs 83.21 Cr since March 2022. However, a significant increase can be seen in the total reserves, which grew from Rs 85.49 Cr in March 2020 to Rs 544.74 Cr in March 2024, indicating a strong retention of earnings and financial fortitude.

Fino Payments Bank Total Deposits and Borrowings Growth

The bank has witnessed a phenomenal expansion in its deposits, surging from Rs 117.53 Cr in March 2020 to a whopping Rs 1,412.54 Cr by March 2024. Moreover, borrowings have also climbed up from Rs 110.79 Cr to Rs 712.65 Cr during the same period, pointing to a strategic leveraging position to support growth.

Fino Payments Bank Asset Buildup

Fino Payments Bank's asset base has shown impressive growth with investments skyrocketing from Rs 128.27 Cr in March 2020 to Rs 1,746.93 Cr by March 2024. The balance with banks and the RBI reveals a strategic liquidity management by the bank, with high figures of Rs 748.12 Cr and Rs 317.43 Cr respectively in March 2024.

Fino Payments Bank Other Assets

A persistent increase in other assets, from Rs 144.16 Cr to Rs 411.32 Cr from March 2020 to March 2024, reflects the bank’s diversification and asset quality. The net block also shows an upward trajectory, indicating the bank's investment in fixed assets that contribute to its operational capacity.

This data represents an analysis for the Standalone Balance Sheet of Fino Payments Bank. As investors and stock screeners evaluate the banking sector, the continued growth in the bank’s assets and reserves could be an influential factor to watch in the context of NSE/BSE market trends or potential IPO considerations.

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