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Fino Payments Bank Limited (FINOPB.NS)
Navi Mumbai, IN
Established in 2007 and headquartered in Navi Mumbai, India, Fino Payments Bank Limited, previously known as Fino Fintech Limited, provides a comprehensive range of financial services across India. This subsidiary of FINO PayTech Limited offers core banking solutions such as savings and current accounts, complete with a sweep account facility, as well as debit and prepaid cards. Its extensive service portfolio includes loan referral programs, various payment options like recharge, bill payments, remittances, and money transfers, alongside advanced payment systems such as mobile banking, UPI, and FASTag products. Additionally, the bank facilitates cash bazar, AADHAAR seeding, and micro ATM services. Further expanding its offerings, Fino Payments Bank distributes health, life, and two-wheeler insurance products, and provides third-party financial product distribution and business correspondent banking services. The bank boasts an impressive reach through its network of 724,671 banking outlets, 54 bank branches, and 130 customer service points.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.25% | -7.21% | -4.98% | -42.23% | -54.54% | -51.80% | -48.67% | -40.15% | -76.80% | -76.80% | -76.80% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+103.0% Q1'26: +158.6% (vs Q1'25)
-
EPS growth-43.2% Q1'26: -70.5% (vs Q1'25)
-
FCF margin— Q1'26: -24.8% (vs Q1'25)
-
EBIT margin— Q1'26: +1.2% (vs Q1'25)
-
ROIC— Q1'26: +1.7% (vs Q1'25)
-
Share dilution-0.1% Q1'26: +0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 93.62× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
3.94B
est: 9.82B (-59.9%)
|
4.94B
est: 11.60B (-57.4%)
|
6.35B
est: 14.79B (-57.1%)
|
7.78B
est: 17.41B (-55.3%)
|
16.37B
16.37B – 16.37B
-6.0% YoY
|
19.31B
19.31B – 19.31B
+18.0% YoY
|
21.86B
21.86B – 21.86B
+13.2% YoY
|
47.30B
47.30B – 47.30B
+116.4% YoY
|
| EBITDA |
781.91M
est: 2.12B (-63.1%)
|
1.07B
est: 2.51B (-57.3%)
|
1.40B
est: 2.80B (-50.0%)
|
1.71B
est: 3.29B (-48.2%)
|
3.09B
3.09B – 3.09B
-6.0% YoY
|
3.65B
3.65B – 3.65B
+18.0% YoY
|
4.13B
4.13B – 4.13B
+13.2% YoY
|
8.94B
8.94B – 8.94B
+116.4% YoY
|
| EBIT |
427.41M
est: 1.13B (-62.3%)
|
650.87M
est: 1.34B (-51.5%)
|
863.01M
est: 1.65B (-47.7%)
|
1.08B
est: 1.94B (-44.3%)
|
1.83B
1.83B – 1.83B
-6.0% YoY
|
2.16B
2.16B – 2.16B
+18.0% YoY
|
2.44B
2.44B – 2.44B
+13.2% YoY
|
5.28B
5.28B – 5.28B
+116.4% YoY
|
| Net Income |
427.41M
est: 492.71M (-13.3%)
|
650.87M
est: 651.39M (-0.1%)
|
862.24M
est: 919.85M (-6.3%)
|
925.35M
est: 938.27M (-1.4%)
|
917.42M
917.42M – 917.42M
-2.2% YoY
|
1.08B
1.08B – 1.08B
+18.2% YoY
|
1.92B
1.92B – 1.92B
+76.9% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
550.66M
est: 1.10B (-49.8%)
|
497.69M
est: 1.30B (-61.6%)
|
661.81M
est: 1.72B (-61.6%)
|
754.47M
est: 2.03B (-62.8%)
|
1.91B
1.91B – 1.91B
-6.0% YoY
|
2.25B
2.25B – 2.25B
+18.0% YoY
|
2.55B
2.55B – 2.55B
+13.2% YoY
|
5.51B
5.51B – 5.51B
+116.4% YoY
|
| EPS |
5.34
est: 5.90 (-9.5%)
|
7.82
est: 7.80 (+0.3%)
|
10.36
est: 11.03 (-6.1%)
|
11.12
est: 11.25 (-1.2%)
|
11.00
11.00 – 11.00
-2.2% YoY
|
13.00
13.00 – 13.00
+18.2% YoY
|
23.00
23.00 – 23.00
+76.9% YoY
|
—
— – —
-100.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | C | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | C | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Rishi Gupta | Chief Executive Officer, MD & Director | 53M | male |
| Ketan Dhirendra Merchant | Interim Chief Executive Officer | 9M | male |
| Anup Agarwal | Interim CFO and Head of Finance & Investor Relations | — | male |
| Ashish Pathak | Senior Vice President & Chief Compliance Officer | — | male |
| Basavraj Shivanand Loni | Company Secretary, Compliance Officer & Vice President of Legal | — | male |
| Darpan Anand | National Head of Channel Sales | — | male |
| K. Vinod Kumar | Senior Executive Vice President of Operations & Chief Information Officer | — | male |
| Manjiri Barve | Head of HR, CSR & Internal Vigilance | — | female |
| Shailesh Pandey | Chief Business Officer | — | male |
| Abhilash Ankathil | Chief Compliance Officer | — | male |
| Tejas Maniar | Chief Digital & Liabilities Officer | — | male |
| Aninda Mukherjee | Executive Vice President & Chief Risk Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for FINOPB.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
