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Fino Payments Bank Ltd

FINOPB Share Price

238.443.78% (+8.69)

FINOPB Share Price Chart

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FinancialsPrivate Banks
SmallcapWith a market cap of ₹1,911 cr, stock is ranked 1,063
High RiskStock is 3.44x as volatile as Nifty

How to use scorecard? Learn more

FinancialsPrivate Banks
SmallcapWith a market cap of ₹1,911 cr, stock is ranked 1,063
High RiskStock is 3.44x as volatile as Nifty

FINOPB Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
20.402.97
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.072.371.01%

FINOPB Analyst Ratings & Forecast

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

from 1 analyst

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 

Jan 29, 2025

PDF
View Older Presentations

FINOPB Similar Stocks (Peers)

Compare with peers 
PE Ratio
20.83
1Y Return
20.34%
Buy Reco %
85.37
PE Ratio
20.96
1Y Return
21.14%
Buy Reco %
92.50
PE Ratio
22.07
1Y Return
15.54%
Buy Reco %
83.33
PE Ratio
12.35
1Y Return
0.12%
Buy Reco %
80.49
PE Ratio
13.90
1Y Return
7.25%
Buy Reco %
0.00
Compare with Peers
FINOPB Sentiment Analysis
New
Crisp summary & key insights to decode earnings calls instantly

FINOPB Stock Summary · February 2025

In Q3 FY '25, the bank demonstrated robust financial performance, with a 25% revenue increase driven by a significant shift towards digital transactions, which now account for half of all activities. Despite facing challenges from new regulations impacting the remittance sector, the bank's strategic pivot towards Current Account Savings Accounts (CASA) is expected to enhance profitability, as these accounts yield higher margins. Ongoing investments in technology, particularly in artificial intelligence and digital infrastructure, are enhancing operational efficiency and positioning the bank favorably in the competitive landscape. The management remains optimistic about future growth, supported by a strong digital user base and a commitment to deepening merchant engagement, even as they navigate the complexities of regulatory compliance.

Key Points on FINOPB Stock Performance
FINOPB Stock Growth Drivers
8
  • Strong Financial Performance

    Fino Payments Bank reported a 25% increase in revenues for Q3 FY '25, reaching INR

  • Digital Transformation and Growth

    The bank has successfully shifted towards digital transactions, with digital throughput now accounting for 50%

FINOPB Stock Challenges
5
  • Decline in Remittance Business

    The remittance sector has experienced a significant decline due to new RBI regulations implemented on

  • Slowdown in Merchant Network Growth

    The growth in the merchant network has slowed due to market saturation, with the transaction

FINOPB Forecasts

Price

Revenue

Earnings

FINOPB

Income

Balance Sheet

Cash Flow

FINOPB Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 31.84%, vs industry avg of 16.68%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.07% to 0.12%

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Financial YearFY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue230.18371.12691.40791.021,008.861,229.911,478.391,754.91
Raw Materialssubtract1,650.97
Power & Fuel Costsubtract
Employee Costsubtract111.36127.20123.88114.71133.26155.61177.37
Selling & Administrative Expensessubtract57.5346.1149.3049.0669.3370.1981.08
Operating & Other expensessubtract112.55241.94526.69553.19728.08897.181,080.18
Depreciation/Amortizationsubtract16.0918.2623.5753.5835.4541.8553.45
Interest & Other Itemssubtract
Taxes & Other Itemssubtract0.000.000.000.000.000.000.0810.20
EPS-8.63-8.00-4.112.635.307.8210.3611.26
DPS0.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.00

FINOPB Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 16PDF
Jan 27PDF
Nov 15PDF
FY 2023

Annual report

PDF

Investor Presentation

May 2PDF
Feb 2PDF
Nov 1PDF
+2 more
FY 2024

Annual report

PDF

Investor Presentation

Jul 28PDF
FY 2025

Annual Report Pending

Investor Presentation

Jan 29PDF
 

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 Ltd22.172.97
HDFC Bank Ltd20.832.841.11%
ICICI Bank Ltd20.963.440.76%
Kotak Mahindra Bank Ltd22.073.090.10%

FINOPB Stock Price Comparison

Compare FINOPB with any stock or ETF
Compare FINOPB with any stock or ETF
FINOPB
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FINOPB Shareholdings

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

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

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding75.00%5.61%0.47%3.70%15.22%

Mar 2024

Jun 2024

Sep 2024

Dec 2024

FINOPB Shareholding History

SepDec '23MarJunSepDec '245.57%5.09%5.12%5.12%4.21%3.70%

Mutual Funds Invested in FINOPB

Mutual Fund Holding
Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 3 Mutual Funds holding Fino Payments Bank Ltd




Funds (Top 3)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.8665%2.71%-0.77%21/35 (-4)
1.5642%3.33%-3.66%17/46 (-2)
0.8103%0.67%-0.17%32/41 (-9)

Compare 3-month MF holding change on Screener

FINOPB Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing FINOPB stock

Looks like this stock is not in any smallcase yet.

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 Dividends

Hmm, looks like data is unavailable here. Please come back after some time

FINOPB Stock News & Opinions

Earnings
Fino Payments Bank standalone net profit rises 1.36% in the December 2024 quarter

Net profit of Fino Payments Bank rose 1.36% to Rs 23.11 crore in the quarter ended December 2024 as against Rs 22.80 crore during the previous quarter ended December 2023. Total Operating Income rose 26.05% to Rs 49.35 crore in the quarter ended December 2024 as against Rs 39.15 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Total Operating Income49.3539.15 26 OPM %-725.21-732.21 - PBDT28.4522.80 25 PBT28.4522.80 25 NP23.1122.80 1 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Board of Fino Payments Bank appoints Head HR and CSR

The Board of Fino Payments Bank at its meeting held on 29 January 2025 has approved the appointment of Manjiri Barve as the Head-HR and CSR of the Bank w.e.f. 01 March 2025, forming part of the Senior Management of the Bank. Powered by Capital Market - Live

1 month 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 29 January 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Fino Payments Bank standalone net profit rises 8.35% in the September 2024 quarter

Net profit of Fino Payments Bank rose 8.35% to Rs 21.15 crore in the quarter ended September 2024 as against Rs 19.52 crore during the previous quarter ended September 2023. Total Operating Income rose 30.69% to Rs 47.74 crore in the quarter ended September 2024 as against Rs 36.53 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income47.7436.53 31 OPM %-747.13-776.51 - PBDT25.9319.52 33 PBT25.9319.52 33 NP21.1519.52 8 Powered by Capital Market - Live

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

Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 23 October 2024.Powered by Capital Market - Live

5 months agoCapital Market - Live
Corporate
Fino Payments Bank schedules AGM

Fino Payments Bank announced that the 8th Annual General Meeting (AGM) of the bank will be held on 25 September 2024.Powered by Capital Market - Live

6 months agoCapital Market - Live
Fino Payments Bank's 30% Profit Surge: Exclusive Insights with MD & CEO Rishi Gupta!
7 months agoZee Business

Fino Payments Bank Q1 Results: Profit jumps 30% to Rs 24.3 crore, digital business grows 15%

7 months agoEconomic Times

Fino Payments Bank standalone net profit rises 29.79% in the June 2024 quarter

7 months agoBusiness Standard
Earnings
Fino Payments Bank standalone net profit rises 29.79% in the June 2024 quarter

Net profit of Fino Payments Bank rose 29.79% to Rs 24.27 crore in the quarter ended June 2024 as against Rs 18.70 crore during the previous quarter ended June 2023. Total Operating Income rose 37.49% to Rs 45.33 crore in the quarter ended June 2024 as against Rs 32.97 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Total Operating Income45.3332.97 37 OPM %-757.49-852.87 - PBDT24.2718.70 30 PBT24.2718.70 30 NP24.2718.70 30 Powered by Capital Market - Live

7 months agoCapital Market - Live

Frequently asked questions

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

    The share price of FINOPB as on 20th March 2025 is ₹238.44. 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: 1.45%
    • Past 1 month: -1.66%
    • Past 3 months: -28.65%
    • Past 6 months: -40.82%
    • Past 1 year: -19.14%
    • Past 3 years: -19.93%
    • Past 5 years: -57.76%

  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 ₹1911.94 Cr as of 20th March 2025.

  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 ₹467 and the 52-week low is ₹200.

  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 22.17. The P/B (price-to-book) ratio is 2.97.

  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.