Fino Payments Bank (NSE:FINOPB) Debt-to-Equity: N/A (As of Jun. 2026)

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NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
58 GF Score
Price ₹139.83
GF Value ₹597.79
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Fino Payments Bank Debt-to-Equity?

Fino Payments Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. Fino Payments Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. Fino Payments Bank's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹0 Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Fino Payments Bank's Debt-to-Equity or its related term are showing as below:

NSE:FINOPB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.51   Med: 1.12   Max: 1.91
Current: 1.91

During the past 8 years, the highest Debt-to-Equity Ratio of Fino Payments Bank was 1.91. The lowest was 0.51. And the median was 1.12.

NSE:FINOPB's Debt-to-Equity is ranked worse than
84.05% of 1411 companies
in the Banks industry
Industry Median: 0.58 vs NSE:FINOPB: 1.91

Fino Payments Bank  (NSE:FINOPB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Fino Payments Bank Debt-to-Equity Related Terms

Fino Payments Bank Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Fino Payments Bank's Debt-to-Equity 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.

Fino Payments Bank Debt-to-Equity Chart

Fino Payments Bank Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial 0.52 0.79 1.11 1.12 1.91

Fino Payments Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A 1.10 N/A 1.91 N/A

NSE:FINOPB vs USB: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Fino Payments Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Fino Payments Bank's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Fino Payments Bank's Debt-to-Equity falls into.


NSE:FINOPB
58GF Score
Fino Payments Bank Ltd NSE:FINOPB
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fino Payments Bank Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Fino Payments Bank's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 15352.971) / 8052.061
=1.91

Fino Payments Bank's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 0
=N/A

* 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.

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 ₹139.83 is trading 76.6% below its estimated GF Value™ of ₹597.79. GuruFocus considers Fino Payments Bank to be Possible Value Trap.

Key valuation signals for NSE:FINOPB:

  • Debt-to-Equity: N/A
  • GF Value™: ₹597.79 vs. price of ₹139.83 (76.6% below fair value)
  • GF Score™: 58/100 with 4 warning signs

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 Business Description

Other Exchanges 543386:India
Address TTC Industrial Area, Plot No. Gen 2/1/F, Tower 1, 8th Floor, Mindspace Juinagar, MIDC Shirwane, Juinagar, Navi Mumbai, MH, IND, 400706
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).
58GF Score

Get the complete analysis for NSE:FINOPB

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹139.83
Price
₹597.79
GF Value