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Fino Payments Bank Ltd

Fino Payments Bank Ltd

FINOPB Share Price

NSE
190.970.63% (-1.22)
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With a market cap of ₹1,589 cr, stock is ranked 1,247

Stock is 4.21x as volatile as Nifty

FINOPB Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Avg

Financials growth has been moderate for a few years

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,589 cr, stock is ranked 1,247

Stock is 4.21x as volatile as Nifty

FINOPB Performance & Key Metrics

FINOPB Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
22.912.13
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.082.460.98%

FINOPB Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

FINOPB Company Profile

Fino Payments Bank Limited (FPBL) is an India-based scheduled commercial bank, which is engaged in providing digital based financial services.

Investor Presentation

View older View older 

Jan 29, 2026

PDF
View Older Presentations

FINOPB Similar Stocks (Peers)

Compare with peers Compare with peers 

FINOPB Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
19.12
19.12
1Y Return
3.36%
3.36%
Buy Reco %
92.11
92.11
PE Ratio
19.27
19.27
1Y Return
13.91%
13.91%
Buy Reco %
95.00
95.00
PE Ratio
15.20
15.20
1Y Return
36.24%
36.24%
Buy Reco %
94.87
94.87
PE Ratio
18.57
18.57
1Y Return
7.88%
7.88%
Buy Reco %
67.65
67.65
PE Ratio
16.18
16.18
1Y Return
70.08%
70.08%
Buy Reco %
0.00
0.00
Compare with Peers

FINOPB Sentiment Analysis

FINOPB Sentiment Analysis

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Crisp summary & key insights to decode earnings calls instantly

FINOPB Stock Summary · November 2025

Fino Payments Bank is strategically positioning itself for future growth despite facing regulatory challenges that have moderated transaction volumes and impacted revenue. The transition to a Small Finance Bank model aims to enhance service offerings and profitability, with management optimistic about improving margins and doubling net interest income. While the bank has reported a decline in revenue, it has successfully increased EBITDA margins through effective cost control and a focus on low-cost deposits, particularly in its CASA segment. The shift towards digital products and the introduction of new offerings are expected to bolster customer engagement and drive future revenue, even as the remittance segment grapples with market share losses. Overall, the bank's commitment to operational efficiency and customer loyalty is anticipated to support a gradual recovery in the second half of the fiscal year.

FINOPB Stock Growth Drivers
FINOPB Stock Growth Drivers
7
  • Strengthening of Deposit Base

    Fino Payments Bank has achieved significant growth in its low-cost deposit base, with over 900,000

  • Digital Transaction Growth

    In Q2 FY '26, digital transactions accounted for 55% of total throughput, with UPI transactions

FINOPB Stock Challenges
FINOPB Stock Challenges
6
  • Decline in Revenue and Profitability

    Fino Payments Bank Limited has experienced a significant decline in revenue, with Q2 FY '26

  • Challenges in Transaction Business

    The transaction business, particularly in the remittance segment, has faced significant challenges, including a 61%

FINOPB Forecast

FINOPB Forecasts

Price

Revenue

Earnings

FINOPB

FINOPB

Income

Balance Sheet

Cash Flow

FINOPB Income Statement

FINOPB Income Statement

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Quartersep 2023dec 2023mar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025
Total Revenue358.58370.20401.30436.86455.41461.34493.49453.47400.05394.41
Operating & Other expensessubtract339.06347.40376.01412.59429.48432.89463.79428.84378.83376.96
Depreciation/Amortizationsubtract0.000.000.000.000.000.000.000.000.000.00
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract0.000.000.080.004.785.345.706.875.875.20
EPS2.352.743.032.922.542.782.892.131.841.47

FINOPB Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Jan 29PDF
Oct 29PDF
Jul 30PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 28PDF
Jan 29PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 28PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 2PDF
Feb 2PDF
Nov 1PDF
Jul 27PDF
FY 2022FY 2022

Annual report

PDF
 

FINOPB Stock Peers

FINOPB Past Performance & Peer Comparison

FINOPB Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Fino Payments Bank Ltd17.172.13
HDFC Bank Ltd19.122.511.24%
ICICI Bank Ltd19.272.990.80%
Axis Bank Ltd15.202.270.07%

FINOPB Stock Price Comparison

Compare FINOPB with any stock or ETF
Compare FINOPB with any stock or ETF
FINOPB
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FINOPB Holdings

FINOPB Shareholdings

FINOPB Promoter Holdings Trend

FINOPB Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

FINOPB Institutional Holdings Trend

FINOPB Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

FINOPB Shareholding Pattern

FINOPB Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding75.00%0.00%0.45%2.69%21.86%

Mar 2025

Jun 2025

Sep 2025

Dec 2025

FINOPB Shareholding History

FINOPB Shareholding History

SepDec '24MarJunSepDec '254.21%3.70%4.08%2.55%2.67%2.69%

Mutual Funds Invested in FINOPB

Mutual Funds Invested in FINOPB

No mutual funds holding trends are available

Top 1 Mutual Funds holding Fino Payments Bank Ltd


Funds (Top 1)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.0001%0.00%-0.00%948/1038 (-14)

Compare 3-month MF holding change on Screener

FINOPB Insider Trades & Bulk Stock Deals

FINOPB Insider Trades & Bulk Stock Deals

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smallcases containing FINOPB stock

smallcases containing FINOPB stock

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FINOPB Events

FINOPB Events

FINOPB Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

FINOPB has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

FINOPB Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

FINOPB has not given any dividends in last 5 years

FINOPB Dividends

FINOPB Dividends

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FINOPB Stock News & Opinions

FINOPB Stock News & Opinions

Earnings
Fino Payments Bank standalone net profit declines 46.99% in the December 2025 quarter

Net profit of Fino Payments Bank declined 46.99% to Rs 12.25 crore in the quarter ended December 2025 as against Rs 23.11 crore during the previous quarter ended December 2024. Total Operating Income rose 27.58% to Rs 62.96 crore in the quarter ended December 2025 as against Rs 49.35 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income62.9649.35 28 OPM %-447.09-725.21 - PBDT20.5528.45 -28 PBT20.5528.45 -28 NP12.2523.11 -47 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Fino Payments Bank to discuss results

Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 29 January 2026.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Fino Payments Bank implement new core banking system 'Finacle'

Fino Payments Bank announced the implementation of a new next-generation core banking system, as part of its ongoing digital transformation programme. The new core banking system will serve as the Bank's digital backbone, enabling enhanced operational efficiency, greater system resilience and improved scalability. The platform will support the introduction of new and innovative product features, faster time-to-market and improved service delivery across all customer touchpoints. This strategic initiative will also enable the Bank to maintain a robust risk management and regulatory compliance. The Bank intimated that the migration activity of the core banking system to a new platform viz. 'Finacle' is planned from 08 January 2026 (10:00 PM) to 10 January 2026 (11:59 PM). During this period, all the banking services shall not be available. Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Fino Payments Bank standalone net profit declines 27.42% in the September 2025 quarter

Net profit of Fino Payments Bank declined 27.42% to Rs 15.35 crore in the quarter ended September 2025 as against Rs 21.15 crore during the previous quarter ended September 2024. Total Operating Income rose 25.88% to Rs 60.11 crore in the quarter ended September 2025 as against Rs 47.75 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income60.1147.75 26 OPM %-484.28-746.97 - PBDT21.2225.93 -18 PBT21.2225.93 -18 NP15.3521.15 -27 Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Fino Payments Bank to declare Quarterly Results

Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 29 October 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Fino Payments Bank to conduct AGM

Fino Payments Bank announced that the 9th Annual General Meeting(AGM) of the bank will be held on 29 August 2025.Powered by Capital Market - Live

6 months agoCapital Market - Live
Earnings
Fino Payments Bank standalone net profit declines 26.82% in the June 2025 quarter

Net profit of Fino Payments Bank declined 26.82% to Rs 17.76 crore in the quarter ended June 2025 as against Rs 24.27 crore during the previous quarter ended June 2024. Total Operating Income rose 34.55% to Rs 60.99 crore in the quarter ended June 2025 as against Rs 45.33 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income60.9945.33 35 OPM %-556.62-757.49 - PBDT24.6324.27 1 PBT24.6324.27 1 NP17.7624.27 -27 Powered by Capital Market - Live

7 months agoCapital Market - Live
Corporate
Fino Payments Bank to table results

Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 30 July 2025.Powered by Capital Market - Live

7 months agoCapital Market - Live
Earnings
Fino Payments Bank standalone net profit declines 4.80% in the March 2025 quarter

Net profit of Fino Payments Bank declined 4.80% to Rs 24.00 crore in the quarter ended March 2025 as against Rs 25.21 crore during the previous quarter ended March 2024. Total Operating Income rose 27.49% to Rs 52.78 crore in the quarter ended March 2025 as against Rs 41.40 crore during the previous quarter ended March 2024. For the full year,net profit rose 7.32% to Rs 92.53 crore in the year ended March 2025 as against Rs 86.22 crore during the previous year ended March 2024. Total Operating Income rose 30.11% to Rs 195.23 crore in the year ended March 2025 as against Rs 150.05 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income52.7841.40 27 195.23150.05 30 OPM %-729.48-752.71 --739.10-775.16 - PBDT29.7025.29 17 108.3586.30 26 PBT29.7025.29 17 108.3586.30 26 NP24.0025.21 -5 92.5386.22 7 Powered by Capital Market - Live

10 months agoCapital Market - Live
Corporate
Fino Payments Bank schedules board meeting

Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 28 April 2025.Powered by Capital Market - Live

10 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Fino Payments Bank Ltd (FINOPB) today?

    The share price of FINOPB as on 2nd March 2026 is ₹190.97. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Fino Payments Bank Ltd (FINOPB) share?

    The past returns of Fino Payments Bank Ltd (FINOPB) share are
    • Past 1 week: -11.18%
    • Past 1 month: -9.97%
    • Past 3 months: -37.99%
    • Past 6 months: -32.33%
    • Past 1 year: -11.46%
    • Past 3 years: -13.43%
    • Past 5 years: -64.89%

  3. What are the peers or stocks similar to Fino Payments Bank Ltd (FINOPB)?

    The peers or stocks similar to Fino Payments Bank Ltd (FINOPB) include:

  4. What is the market cap of Fino Payments Bank Ltd (FINOPB) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Fino Payments Bank Ltd (FINOPB) is ₹1589.22 Cr as of 2nd March 2026.

  5. What is the 52 week high and low of Fino Payments Bank Ltd (FINOPB) share?

    The 52-week high of Fino Payments Bank Ltd (FINOPB) is ₹339 and the 52-week low is ₹165.01.

  6. What is the PE and PB ratio of Fino Payments Bank Ltd (FINOPB) stock?

    The P/E (price-to-earnings) ratio of Fino Payments Bank Ltd (FINOPB) is 17.17. The P/B (price-to-book) ratio is 2.13.

  7. Which sector does Fino Payments Bank Ltd (FINOPB) belong to?

    Fino Payments Bank Ltd (FINOPB) belongs to the Financials sector & Private Banks sub-sector.

  8. How to buy Fino Payments Bank Ltd (FINOPB) shares?

    You can directly buy Fino Payments Bank Ltd (FINOPB) shares on Tickertape. Simply sign up, connect your demat account and place your order.