Fino Payments Bank
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Fino Payments Bank share price

Fino Payments Bank Ltd.

NSE: FINOPB BSE: 543386 SECTOR: Bank - Private  171k   91   28

223.00
+0.40 (0.18%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 227.95

Today's Low

₹ 221.25

52 Week High

₹ 462.8

52 Week Low

₹ 200.05

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

₹ 1855.77 Cr.

CASA %

100

No. of Shares

8.32 Cr.

P/E

19.8

P/B

2.67

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  83.4

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

0.61

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

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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 224.15. 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 2.6738 . The historical average PB of Fino Payments Bank was 2.24637048283652.

  • Share Price: - The current share price of Fino Payments Bank is Rs 224.15. One can use valuation calculators of ticker to know if Fino Payments Bank share price is undervalued or overvalued.

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Brief about Fino Payments Bank
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