Fino Payments Bank Ltd (NSE:FINOPB)

Q4 2025 Fino Payments Bank Ltd Earnings Call Transcript

Apr 29, 2025 / 10:30 AM GMT

Release Date Price: ₹258.45 (-0.44%)

Transcript

Key Points

Positve

Fino Payments Bank Ltd (BOM:543386) reported a strong year-on-year revenue growth of 25%, demonstrating the resilience of its business model.
The company achieved a 22% increase in EBITDA and a 26% rise in PBT, driven by operating leverage and disciplined cost management.
The customer base reached an all-time high of 1.43 crore, with 53 lakh digitally active users, indicating successful scaling of inclusive digital access.
Average deposits grew by 37% year-on-year, reflecting growing customer trust and stickiness.
The digital business delivered exceptional performance with revenue growing 4.2 times year-on-year, contributing 21% of the total revenue.

Negative

The CMS business faced headwinds due to stress in the MFI sector and increased competition, leading to a decline in take rates.
The transaction business saw a drop, partly due to changing customer behavior from assisted to digital platforms and regulatory changes impacting remittance.
The company anticipates subdued growth across certain products without compromising on footfalls for CASA conversion.
There are operational and regulatory challenges anticipated during the transition to a small finance bank, including exiting the BC business and meeting PSL requirements.
The remittance business was impacted by regulatory changes, resulting in a 40% industry-wide decline.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FINY.NS - Fino Payments Bank Ltd
Q4 2025 Fino Payments Bank Ltd Earnings Call
Apr 29, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q4 NF525 earnings conference call of Fino Payment Bank Limited, hosted by Go India advisors.

As a reminder, all participant lines will be in the listener mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing the then 0 on your touchtone phone.

I now have the conference over to Mr. Rajat Gupta from Go India Advisor.

Thank you and over to you, sir.

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Unidentified_2 [2]
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