Fino Payments Bank (NSE:FINOPB) EV-to-FCF: (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
54 GF Score
Price ₹176.40
GF Value ₹728.82
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Fino Payments Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Fino Payments Bank's Enterprise Value is ₹16,577 Mil. Fino Payments Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, Fino Payments Bank's EV-to-FCF for today is .

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

NSE:FINOPB' s EV-to-FCF Range Over the Past 10 Years
Min: -95.6   Med: -28.02   Max: -2.92
Current: -2.92

During the past 8 years, the highest EV-to-FCF of Fino Payments Bank was -2.92. The lowest was -95.60. And the median was -28.02.

NSE:FINOPB's EV-to-FCF is ranked worse than
100% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs NSE:FINOPB: -2.92

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-14), Fino Payments Bank's stock price is ₹176.40. Fino Payments Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹6.290. Therefore, Fino Payments Bank's PE Ratio (TTM) for today is 28.04.


Fino Payments Bank  (NSE:FINOPB) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Fino Payments Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=176.40/6.290
=28.04

Fino Payments Bank's share price for today is ₹176.40.
Fino Payments Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹6.290.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Fino Payments Bank EV-to-FCF Related Terms


Fino Payments Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Fino Payments Bank's EV-to-FCF 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 EV-to-FCF Chart

Fino Payments Bank Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial 10.96 -11.32 -42.29 -18.50 -2.59

Fino Payments Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 -18.50 0.00 0.00 0.00 -2.59

NSE:FINOPB vs PNC: EV-to-FCF Comparison

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

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

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


NSE:FINOPB
54GF Score
Fino Payments Bank Ltd NSE:FINOPB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fino Payments Bank EV-to-FCF Calculation

Fino Payments Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=16576.657/0
=

Fino Payments Bank's current Enterprise Value is ₹16,577 Mil.
Fino Payments Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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 ₹176.40 is trading 75.8% below its estimated GF Value™ of ₹728.82. GuruFocus considers Fino Payments Bank to be Possible Value Trap.

Key valuation signals for NSE:FINOPB:

  • EV-to-FCF:
  • GF Value™: ₹728.82 vs. price of ₹176.40 (75.8% below fair value)
  • GF Score™: 54/100 with 3 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).
54GF Score

Get the complete analysis for NSE:FINOPB

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

₹176.40
Price
₹728.82
GF Value