Business Description
Fino Payments Bank Ltd
ISIN : INE02NC01014
Total Employee Number:
2,769Compare
Compare
Traded in other countries / regions
543386.India IPO Date
2021-11-12Description
Fino Payments Bank Ltd is an Indian payments bank providing various banking and financial services, with a focus on meeting the needs of low-income families, small businesses, and rural communities. It offers various services such as savings and current accounts, money transfers, bill payments, and mobile recharges etc., and has partnered with institutions to provide customized offerings like microinsurance and micro-investments. The company operates in four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations. Its key revenue is derived from the Other Banking Operations segment, which includes Business Correspondent Services, Digital Payment Services, Cash Management Services, Domestic Money Transfer, Micro-ATM, and Aadhaar-enabled Payment System (AePS).
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.88 | |||||
Equity-to-Asset | 0.15 | |||||
Debt-to-Equity | 1.91 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 1/9 | |||||
Beneish M-Score | -2.28 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 48.7 | |||||
3-Year EPS without NRI Growth Rate | -7 | |||||
3-Year FCF Growth Rate | -57.7 | |||||
3-Year Book Growth Rate | 13.4 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 35.31 | |||||
9-Day RSI | 48.85 | |||||
14-Day RSI | 53.04 | |||||
3-1 Month Momentum % | 13.9 | |||||
6-1 Month Momentum % | -33.98 | |||||
12-1 Month Momentum % | -44.75 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Shareholder Yield % | -27.44 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 3.98 | |||||
FCF Margin % | -30.5 | |||||
OCF Margin % | -20.81 | |||||
ROE % | 7.53 | |||||
ROA % | 1.27 | |||||
Years of Profitability over Past 10-Year | 6 |
GF Value Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 25.91 | |||||
Forward PE Ratio | 12.51 | |||||
PE Ratio without NRI | 24.16 | |||||
PEG Ratio | 0.74 | |||||
PS Ratio | 0.93 | |||||
PB Ratio | 1.67 | |||||
Price-to-Tangible-Book | 1.66 | |||||
EV-to-Revenue | 1.04 | |||||
EV-to-FCF | -3.51 | |||||
Price-to-GF-Value | 0.22 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.02 | |||||
Price-to-Graham-Number | 1.32 | |||||
FCF Yield % | -33.65 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Fino Payments Bank Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₹) | 14,736.3 | ||
| EPS (TTM) (₹) | 6.29 | ||
| Beta | 1.8068 | ||
| 3-Year Sharpe Ratio | -0.29 | ||
| 3-Year Sortino Ratio | -0.4 | ||
| Volatility % | 51.89 | ||
| 14-Day RSI | 53.04 | ||
| 14-Day ATR (₹) | 9.219962 | ||
| 20-Day SMA (₹) | 157.925 | ||
| 12-1 Month Momentum % | -44.75 | ||
| 52-Week Range (₹) | 110.1 - 339 | ||
| Shares Outstanding (Mil) | 83.22 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 1 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Fino Payments Bank Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Fino Payments Bank Ltd Stock Events
| Event | Date | Price (₹) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2027 | 2027-01-29 16:00 | In 183 days | ||
| Third quarter earnings results for 2027 | 2027-01-29 | In 182 days | ||
| Second quarter earnings conference call for 2027 | 2026-10-30 16:00 | In 92 days | ||
| Second quarter earnings results for 2027 | 2026-10-30 | In 91 days | ||
| General meeting for 2026 | 2026-09-29 12:00 | In 61 days | ||
| First quarter earnings conference call for 2027 | 2026-08-14 16:00 | In 15 days | ||
| First quarter earnings results for 2027 | 2026-08-14 | In 14 days | ||
| Annual report for 2026 | 2026-08-06 | In 6 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-04-30 16:00 | 134.40 (-0.26%) | ||
| Fourth quarter earnings results for 2026 | 2026-04-30 | 134.40 (-0.26%) |
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Fino Payments Bank Ltd Frequently Asked Questions
What is Fino Payments Bank Ltd(BOM:543386)'s stock price today?
The current price of BOM:543386 is ₹160.50. The 52 week high of BOM:543386 is ₹339.00 and 52 week low is ₹110.10.
When is next earnings date of Fino Payments Bank Ltd(BOM:543386)?
The next earnings date of Fino Payments Bank Ltd(BOM:543386) is 2026-08-14.
Does Fino Payments Bank Ltd(BOM:543386) pay dividends? If so, how much?
Fino Payments Bank Ltd(BOM:543386) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Fino Payments Bank Ltd
No articles.
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