Fino Payments Bank Ltd.

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288.00 -4.45 ▼-1.5%

03 May 2024, 04:01:00 PM
Volume: 10,035

Company Profile

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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 2,396.57 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 10.36 Trailing Twelve Months Ending 2024-03
Price-Earning Ratio (PE) 27.80 Trailing Twelve Months Ending 2024-03
Industry PE 16.61 Trailing Twelve Months Ending 2024-03
Book Value / Share 75.46 Trailing Twelve Months Ending 2024-03
Price to Book Value 3.82 Calculated using Price: 288.00
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

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Delivered Qty
Traded Qty

Fino Payments Bank Ltd. Performance

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1 Day
-1.52%
1 Week
-2.34%
1 Month
-2.64%
3 Month
-7.17%
6 Month
-1.03%
1 Year
+32.11%
2 Year
-4.71%
5 Year
10 Year

Fino Payments Bank Ltd. Fundamental Ratios

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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

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Particulars 6 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2024-03* Rs. Cr.
Shh. Funds 162 130 151 480 553 643
Minority Int.
Deposits 48 118 243 503 917 1,413
Borrowings 83 111 181 250 434 713
Other Liab. 392 266 436 448 563 651
Total Liab. 684 624 1,010 1,680 2,466 3,419
Fixed Assets 42 49 64 93 145 195
Investments 73 128 504 631 1,146 1,747
Advances 0 0 0 0 0 0
Cash & Bank 388 302 271 766 834 1,066
Other Assets 180 144 172 189 341 411
Total Assets 684 624 1,010 1,680 2,466 3,419

Fino Payments Bank Ltd. Profit and Loss

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Particulars 6 years 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr. 2022-03 Rs. Cr. 2023-03 Rs. Cr. 2024-03 Rs. Cr. TTM
Interest Earned 19 18 20 36 95 150
Other Income 352 673 771 973 1,135 1,328
Total Income 371 691 791 1,009 1,230 1,478
Operating Exp. -427 -713 -757 -951 -1,117 -1,313
Provisions -1 -1 -4 -1
PBIT -57 -22 30 58 112 165
Interest -6 -10 -10 -15 -47 -79
Tax 0
PAT -62 -32 20 43 65 86
Adjusted EPS -8 -4 3 5 8 10

Fino Payments Bank Ltd. Cash Flow

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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

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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

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Thu, 02 May 2024
Audio Recording Of The Earnings Call
Please find the link of audio recording of earnings call with investors and analysts held on May 02 2024.
Wed, 01 May 2024
Announcement under Regulation 30 (LODR)-Newspaper Publication
Newspaper Publication on Financial Results
Tue, 30 Apr 2024
Statement Of Deviation & Variation
Please find enclosed Statement of Deviation & Variation for the quarter ended March 31 2024

Fino Payments Bank Ltd. Technical Scans

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Fri, 03 May 2024
Closing Below Previous Low Closing Below Previous Low
High Decrease in 1 Month High Decrease in 1 Month
High Increase in 1 Year High Increase in 1 Year
5 SMA Crossing 20 SMA From Above 5 SMA Crossing 20 SMA From Above
CCI Trending Down CCI Trending Down

Fino Payments Bank Ltd. Related Stocks

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HDFC Bank Ltd. Consolidated 2024-03 2.54 1,518.65 -0.9%
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Axis Bank Ltd. Consolidated 2024-03 2.26 1,140.50 -0.8%
Kotak Mahindra Bank Ltd. Consolidated 2024-03 2.47 1,547.25 -1.8%
Punjab National Bank Consolidated 2023-12 1.49 135.80 -1.6%
Bank Of Baroda Consolidated 2023-12 1.20 276.00 -1.2%
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HDFC Bank Ltd. Consolidated 2023-03 0.89 1,518.65 -0.9%
ICICI Bank Ltd. Consolidated 2023-03 0.90 1,142.00 +0.2%
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Punjab National Bank Consolidated 2023-03 0.74 135.80 -1.6%
Bank Of Baroda Consolidated 2023-03 1.03 276.00 -1.2%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
HDFC Bank Ltd. Consolidated 2023-03 17.24 1,518.65 -0.9%
ICICI Bank Ltd. Consolidated 2023-03 17.71 1,142.00 +0.2%
State Bank Of India Consolidated 2023-03 18.44 831.55 +0.2%
Axis Bank Ltd. Consolidated 2023-03 8.77 1,140.50 -0.8%
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ICICI Bank Ltd. Consolidated 2023-03 17.71 1,142.00 +0.2%
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Axis Bank Ltd. Consolidated 2023-03 10,852.66 1,140.50 -0.8%
Kotak Mahindra Bank Ltd. Consolidated 2023-03 14,780.44 1,547.25 -1.8%
Punjab National Bank Consolidated 2023-03 3,069.34 135.80 -1.6%
Bank Of Baroda Consolidated 2023-03 14,687.88 276.00 -1.2%

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