| Sector |
Banking
|
Compare with Sector peers |
| Industry |
Bank - Private
|
Compare with Industry peers |
| Website | http://www.finobank.com | |
| Market Cap | 2,032.93 Cr. | |
| Enterprise Value(EV) | Cr. | - |
| Financial Indicators | ||
|---|---|---|
| Earnings per share (EPS) | 7.28 | Trailing Twelve Months Ending 2022-12 |
| Price-Earning Ratio (PE) | 33.54 | Trailing Twelve Months Ending 2022-12 |
| Industry PE | 18.38 | Trailing Twelve Months Ending 2022-12 |
| Book Value / Share | 62.45 | Trailing Twelve Months Ending 2022-12 |
| Price to Book Value | 3.91 | Calculated using Price: 244.30 |
| Dividend Yield | 0.00 | Period Ending 2022-03 |
| No. of Shares Subscribed | 8.32 Cr. | 83,214,302 Shares |
| FaceValue | 10 | |
| Company Profile | ||
| 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. | ||
| 1 Day |
|
-0.47% |
| 1 Week |
|
+3.25% |
| 1 Month |
|
-3.21% |
| 3 Month |
|
+19.37% |
| 6 Month |
|
-3.95% |
| 1 Year |
|
-37.19% |
| 2 Year |
|
|
| 5 Year |
|
|
| 10 Year |
|
| 4 years | 2019-03 | 2020-03 | 2021-03 | 2022-03 | |
| Return on Equity (%) | -38.48 | -21.93 | 14.59 | 13.63 | |
| Return on Assets (%) | -9.12 | -4.90 | 2.51 | 3.18 | |
| Net Interest Margin | 2.95 | 1.92 | 1.38 | 1.45 | |
| Interest Spread (%) | |||||
| Yield on Advances (%) |
| Particulars | 5 years | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03 Rs. Cr. | 2022-09* Rs. Cr. |
| Shh. Funds | 162 | 130 | 151 | 480 | 508 | |
| Minority Int. | ||||||
| Deposits | 48 | 118 | 243 | 501 | 634 | |
| Borrowings | 83 | 111 | 181 | 250 | 743 | |
| Other Liab. | 392 | 266 | 436 | 450 | 461 | |
| Total Liab. | 684 | 624 | 1,010 | 1,680 | 2,346 | |
| Fixed Assets | 42 | 49 | 64 | 93 | 103 | |
| Investments | 73 | 128 | 504 | 631 | 1,270 | |
| Advances | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 388 | 302 | 271 | 766 | 692 | |
| Other Assets | 180 | 144 | 172 | 189 | 281 | |
| Total Assets | 684 | 624 | 1,010 | 1,680 | 2,346 |
| Particulars | 5 years | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03 Rs. Cr. | 2022-12 Rs. Cr. TTM |
| Interest Earned | 19 | 18 | 20 | 36 | 78 | |
| Other Income | 352 | 673 | 771 | 973 | 1,114 | |
| Total Income | 371 | 691 | 791 | 1,009 | 1,192 | |
| Operating Exp. | -427 | -713 | -757 | -951 | -1,093 | |
| Provisions | -1 | -1 | -4 | |||
| PBIT | -57 | -22 | 30 | 58 | 98 | |
| Interest | -6 | -10 | -10 | -15 | -38 | |
| Tax | ||||||
| PAT | -62 | -32 | 20 | 43 | 61 | |
| Adjusted EPS | -14 | -7 | 3 | 5 | 7 |
| Particulars | 4 years | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03 Rs. Cr. |
| Cash Fr. Operatn. | 29 | -84 | -32 | 207 | |
| Cash Fr. Inv. | -14 | -31 | -69 | -64 | |
| Cash Fr. Finan. | 35 | 28 | 70 | 352 | |
| Net Change | 50 | -86 | -31 | 495 | |
| Cash & Cash Eqvt | 388 | 302 | 271 | 766 |
|
Fri, 03 Feb 2023
Announcement under Regulation 30 (LODR)-Newspaper Publication Pursuant to Regulation 47 of the SEBI Listing Regulations enclosed herewith are the copies of newspaper publications of Unaudited Financial Result of Fino Payments Bank Limited (Bank) for the third quarter and nine months ended December 31 2022. |
|
Fri, 03 Feb 2023
Audio Recording Of Earnings Call (Q3 FY-2022-23) In continuation to our letter dated January 24 2023 and pursuant to the Regulation 30 read with Para A of Part A of Schedule III of the SEBI Listing Regulations the audio recording of earnings call is available on the website of Fino Payments Bank Limited at the below given linkhttps://www.finobank.com/uploads/media/Fino_Q3Fy23_Con-call_Audio.mp3 |
|
Thu, 02 Feb 2023
Board Meeting Outcome for Outcome Of The Board Meeting Held On February 02 2023 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 (SEBI Listing Regulations) we would like to inform you that the Board of Directors of Fino Payments Bank Limited (Bank) at its meeting held today i.e. Thursday February 02 2023 has inter-alia considered and approved the Unaudited Financial Results of the Bank for the third quarter and nine months ended December 31 2022 (Financial Results) along with Limited Review Report issued by the Statutory Central Auditor of the Bank. The Financial Results along with Limited Review Report issued by the Statutory Central Auditor of the Bank are enclosed herewith as Annexure-A. |
| Fri, 03 Feb 2023 |
Higher Delivery Quantity
|
Higher Trade Quantity
|
Higher Trade and Delivery Quantity
|
Opening at High
|
High Increase in 3 Months
|
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