Fino Payments Bank Ltd.

310.50 -5.05 ▼-1.6%

04 October 2023, 04:01:00 PM
Volume: 1,367

Company Profile

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.finobank.com
Market Cap 2,582.14 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 8.85 Trailing Twelve Months Ending 2023-06
Price-Earning Ratio (PE) 35.05 Trailing Twelve Months Ending 2023-06
Industry PE 20.05 Trailing Twelve Months Ending 2023-06
Book Value / Share 67.35 Trailing Twelve Months Ending 2023-06
Price to Book Value 4.61 Calculated using Price: 310.30
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
-1.60%
1 Week
-2.37%
1 Month
-12.65%
3 Month
+21.74%
6 Month
+50.47%
1 Year
+41.36%
2 Year
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 -4.90 2.51 3.18 3.14
Net Interest Margin 2.95 1.92 1.38 1.45 2.40
Interest Spread (%)
Yield on Advances (%)

Fino Payments Bank Ltd. Balance Sheet

Particulars 5 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr.
Shh. Funds 162 130 151 480 553
Minority Int.
Deposits 48 118 243 503 917
Borrowings 83 111 181 250 434
Other Liab. 392 266 436 448 563
Total Liab. 684 624 1,010 1,680 2,466
Fixed Assets 42 49 64 93 145
Investments 73 128 504 631 1,146
Advances 0 0 0 0 0
Cash & Bank 388 302 271 766 834
Other Assets 180 144 172 189 341
Total Assets 684 624 1,010 1,680 2,466

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. 2023-06 Rs. Cr. TTM
Interest Earned 19 18 20 36 95 109
Other Income 352 673 771 973 1,135 1,180
Total Income 371 691 791 1,009 1,230 1,289
Operating Exp. -427 -713 -757 -951 -1,117 -1,160
Provisions -1 -1 -4
PBIT -57 -22 30 58 112 129
Interest -6 -10 -10 -15 -47 -55
Tax
PAT -62 -32 20 43 65 74
Adjusted EPS -14 -7 3 5 8 9

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

7 Qtrs 2021-12 (%) 2022-03 (%) 2022-06 (%) 2022-09 (%) 2022-12 (%) 2023-03 (%) 2023-06 (%)
Promoter 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
Depository Receipts 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

Fino Payments Bank Ltd. Announcements

Tue, 03 Oct 2023
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
We wish to inform that representatives of Fino Payments Bank Limited will be meeting with investors/analysts on one to one basis as per the details enclosed.
Tue, 26 Sep 2023
Shareholders Meeting - Voting Results/Scrutinizer Report
Results of E-voting of 7th Annual General Meeting of Fino Payments Bank Limited along with Scrutinizer report is enclosed.
Tue, 26 Sep 2023
Closure of Trading Window
This is to inform that pursuant to Securities Exchange Board of India(Prohibition of Insider Trading) Regulations 2015 as amended and in accordance with the Code of Conduct to Regulate Monitor and Report Insider Trading of Fino Payments Bank Limited the trading window for dealing in equity shares of the Bank by its designated persons and their immediate relatives shall remain closed from October 01 2023 till the expiry of 48 hours after declaration of audited financial results of the Bank for the quarter and half year ending September 30 2023.

Fino Payments Bank Ltd. Technical Scans

Wed, 04 Oct 2023
Making Lower Lows for 2 Days Making Lower Lows for 2 Days
High Decrease in 1 Month High Decrease in 1 Month
High Increase in 3 Months High Increase in 3 Months
High Increase in 6 Months High Increase in 6 Months
High Increase in 1 Year High Increase in 1 Year

Fino Payments Bank Ltd. Related Stocks

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HDFC Bank Ltd. Consolidated 2023-06 3.76 1,530.80 +1.5%
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HDFC Bank Ltd. Consolidated 2023-03 0.89 1,530.80 +1.5%
ICICI Bank Ltd. Consolidated 2023-03 0.90 933.90 -0.7%
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Kotak Mahindra Bank Ltd. Consolidated 2023-03 0.51 1,722.95 -0.2%
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Bank Of Baroda Consolidated 2023-03 1.03 212.45 -2.5%
IndusInd Bank Ltd. Consolidated 2023-03 0.90 1,401.50 -2.4%
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HDFC Bank Ltd. Consolidated 2023-03 17.24 1,530.80 +1.5%
ICICI Bank Ltd. Consolidated 2023-03 17.71 933.90 -0.7%
State Bank Of India Consolidated 2023-03 18.44 585.95 -2.8%
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Kotak Mahindra Bank Ltd. Consolidated 2023-03 14.19 1,722.95 -0.2%
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Kotak Mahindra Bank Ltd. Consolidated 2023-03 14,780.44 1,722.95 -0.2%
Axis Bank Ltd. Consolidated 2023-03 10,852.66 994.40 -4.4%
Bank Of Baroda Consolidated 2023-03 14,687.88 212.45 -2.5%
IndusInd Bank Ltd. Consolidated 2023-03 7,443.13 1,401.50 -2.4%

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