Fino Payments Bank Ltd.

294.65 +0.85 ▲0.3%

25 April 2024, 04:05:35 PM
Volume: 53,836

Company Profile

Sector Banking Sector Icon Banking Compare with Sector peers
Industry Bank - Private Industry Icon Bank - Private Compare with Industry peers
Website http://www.finobank.com
Market Cap 2,439.84 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 9.99 Trailing Twelve Months Ending 2023-12
Price-Earning Ratio (PE) 29.36 Trailing Twelve Months Ending 2023-12
Industry PE 16.83 Trailing Twelve Months Ending 2023-12
Book Value / Share 72.43 Trailing Twelve Months Ending 2023-12
Price to Book Value 4.05 Calculated using Price: 293.20
Dividend Yield 0.00 Period Ending 2023-03
No. of Shares Subscribed 8.32 Cr. 83,214,302 Shares
FaceValue 10
About Fino Payments Bank Ltd.
Fino Payments Bank is a growing fintech company offering a diverse range of financial products and services that are primarily digital and have a payments focus. It offers such products and services to its target market via a pan-India distribution network and proprietary technologies. The bank's products and services include various current accounts and savings accounts (CASA), issuance of debit card and related transactions, facilitating domestic remittances, open banking functionality (via its Application Programming Interface (API)), withdrawing and depositing cash (via micro-ATM or Aadhaar Enabled Payment System AePS) and cash management services (CMS). Its merchants also leverage the customer relationships within their respective communities to facilitate it cross-selling other financial products and services such as third party gold loans, insurance, bill payments and recharges. It also manages a large BC network on behalf of other banks.

Fino Payments Bank Ltd. Delivery

Delivered Qty
Traded Qty

Fino Payments Bank Ltd. Performance

1 Day
+0.29%
1 Week
+3.19%
1 Month
+1.45%
3 Month
-8.83%
6 Month
+0.84%
1 Year
+37.43%
2 Year
-6.82%
5 Year
10 Year

Fino Payments Bank Ltd. Fundamental Ratios

5 years 2019-03 2020-03 2021-03 2022-03 2023-03
Return on Equity (%) -38.48 -21.93 14.59 13.63 12.78
Return on Assets (%) -9.12 -4.9 2.51 3.18 3.14
Net Interest Margin 2.95 1.92 1.38 1.45 2.4
Interest Spread (%) 0 0 0 0 0
Yield on Advances (%) 0 0 0 0 0

Fino Payments Bank Ltd. Balance Sheet

Particulars 6 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-09* Rs. Cr.
Shh. Funds 162 130 151 480 553 592
Minority Int.
Deposits 48 118 243 503 917 1,005
Borrowings 83 111 181 250 434 1,023
Other Liab. 392 266 436 448 563 431
Total Liab. 684 624 1,010 1,680 2,466 3,050
Fixed Assets 42 49 64 93 145 169
Investments 73 128 504 631 1,146 1,712
Advances 0 0 0 0 0 0
Cash & Bank 388 302 271 766 834 757
Other Assets 180 144 172 189 341 412
Total Assets 684 624 1,010 1,680 2,466 3,050

Fino Payments Bank Ltd. Profit and Loss

Particulars 6 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2023-12 Rs. Cr. TTM
Interest Earned 19 18 20 36 95 138
Other Income 352 673 771 973 1,135 1,262
Total Income 371 691 791 1,009 1,230 1,401
Operating Exp. -427 -713 -757 -951 -1,117 -1,247
Provisions -1 -1 -4 -1
PBIT -57 -22 30 58 112 153
Interest -6 -10 -10 -15 -47 -70
Tax
PAT -62 -32 20 43 65 83
Adjusted EPS -8 -4 3 5 8 10

Fino Payments Bank Ltd. Cash Flow

Particulars 5 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr.
Cash Fr. Operatn. 29 -84 -32 207 -20
Cash Fr. Inv. -14 -31 -69 -64 -97
Cash Fr. Finan. 35 28 70 352 184
Net Change 50 -86 -31 495 68
Cash & Cash Eqvt 388 302 271 766 834

Fino Payments Bank Ltd. Shareholding Pattern

9 Qtrs 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%) 2023-09 (%) 2023-12 (%) 2024-03 (%)
Promoter 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00
Public 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
No. of Shareholders (in Lacs)

Fino Payments Bank Ltd. Announcements

Thu, 25 Apr 2024
Copy of Newspaper Publication
Fino Payments Bank Limited has informed the Exchange about Copy of Newspaper Publication
Thu, 25 Apr 2024
Notice Of Shareholders Meetings-XBRL
Fino Payments Bank Limited has informed the Exchange about Notice of Shareholders Meeting for Postal Ballot
Thu, 25 Apr 2024
Updates
Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements)Regulations, 2015 ( SEBI Listing Regulations ), it is hereby informed that a penalty of ₹ 0.16crores has been imposed on Fino Payments Bank Limited ( Bank ) by Assistant CommissionerCGST & Central Excise Division II, Bhopal Madhya Pradesh for the matter mentioned in theletter.

Fino Payments Bank Ltd. Technical Scans

Thu, 25 Apr 2024
High Increase in 1 Year High Increase in 1 Year
MFI Trending Down MFI Trending Down
Close Above Last Week High Close Above Last Week High
Closing Near 100 SMA Closing Near 100 SMA
Close Crossing Last Week High Close Crossing Last Week High

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Kotak Mahindra Bank Ltd. Consolidated 2023-03 14,780.44 1,642.45 -10.9%
Punjab National Bank Consolidated 2023-03 3,069.34 135.90 +2.2%
Bank Of Baroda Consolidated 2023-03 14,687.88 268.65 +3.7%

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