Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Fino Payments Bank's book value per share for the quarter that ended in Mar. 2026 was ₹96.76.
During the past 12 months, Fino Payments Bank's average Book Value Per Share Growth Rate was 7.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Fino Payments Bank was 62.30% per year. The lowest was 13.40% per year. And the median was 43.60% per year.
Fino Payments Bank's current price is ₹154.96. Its book value per share for the quarter that ended in Mar. 2026 was ₹96.76. Hence, today's PB Ratio of Fino Payments Bank is 1.60.
During the past 8 years, the highest P/B Ratio of Fino Payments Bank was 5.47. The lowest was 1.23. And the median was 3.43.
Fino Payments Bank (NSE:FINOPB) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Fino Payments Bank Book Value per Share Related Terms
Fino Payments Bank Book Value per Share Historical Data
* Premium members only.
The historical data trend for Fino Payments Bank's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:FINOPB vs PNC: Book Value per Share Comparison
For the Banks - Regional subindustry, Fino Payments Bank's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fino Payments Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Fino Payments Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Fino Payments Bank's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fino Payments Bank (NSE:FINOPB) has a Book Value per Share of ₹96.76 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Fino Payments Bank and its competitors.
Is Fino Payments Bank's Book Value per Share too high?
Fino Payments Bank's current Book Value per Share is ₹96.76. Overall, Fino Payments Bank has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fino Payments Bank's Book Value per Share compare to PNC?
Fino Payments Bank's Book Value per Share of ₹96.76 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Fino Payments Bank and its competitors. Fino Payments Bank's current Book Value per Share is ₹96.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fino Payments Bank stock overvalued right now?
Based on GuruFocus' analysis, Fino Payments Bank (NSE:FINOPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₹739.91, compared to a current price of ₹154.96 — trading 79.1% below its estimated fair value. The current Book Value per Share is ₹96.76. Fino Payments Bank's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current Book Value per Share is ₹96.76 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fino Payments Bank (NSE:FINOPB) Overvalued in 2026?
Based on GuruFocus' analysis, Fino Payments Bank stock appears to be undervalued.
The current stock price of ₹154.96 is trading 79.1% below its estimated GF Value™ of ₹739.91.
GuruFocus considers Fino Payments Bank to be Possible Value Trap.
Key valuation signals for NSE:FINOPB:
Book Value per Share: ₹96.76
GF Value™: ₹739.91 vs. price of ₹154.96 (79.1% below fair value)
No single metric tells the full story. See the NSE:FINOPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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).
59GF Score
Get the complete analysis for NSE:FINOPB
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:FINOPB has been successfully added to your 
