The historical rank and industry rank for Fino Payments Bank's FCF Margin % or its related term are showing as below:
NSE:FINOPB'
s FCF Margin % Range Over the Past 10 Years
Min: -47.13 Med: -17.03 Max: 37.83
Current: -30.5
During the past 8 years, the highest FCF Margin % of Fino Payments Bank was 37.83%. The lowest was -47.13%. And the median was -17.03%.
NSE:FINOPB's FCF Margin % is ranked worse than 81.84% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs NSE:FINOPB: -30.50
Fino Payments Bank FCF Margin % Related Terms
Fino Payments Bank FCF Margin % Historical Data
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The historical data trend for Fino Payments Bank's FCF Margin % 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.
For the Banks - Regional subindustry, Fino Payments Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fino Payments Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Fino Payments Bank's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Fino Payments Bank and its competitors. According to the industry distribution chart, Fino Payments Bank ranks #1235 out of 1509 companies in the Banks industry, placing it in the top 81.8%.
Is Fino Payments Bank's FCF Margin % too high?
Fino Payments Bank's current FCF Margin % is 0.00%. Based on the distribution chart, Fino Payments Bank ranks #1235 out of 1509 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Fino Payments Bank has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fino Payments Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Fino Payments Bank ranks #1235 out of 1509 companies for FCF Margin %. This places Fino Payments Bank in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Fino Payments Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fino Payments Bank's current FCF Margin % is 0.00%. 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 ₹721.38, compared to a current price of ₹146.60 — trading 79.7% below its estimated fair value. The current FCF Margin % is 0.00%. Fino Payments Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current FCF Margin % is 0.00% 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 ₹146.60 is trading 79.7% below its estimated GF Value™ of ₹721.38.
GuruFocus considers Fino Payments Bank to be Possible Value Trap.
Key valuation signals for NSE:FINOPB:
FCF Margin %: 0.00%
GF Value™: ₹721.38 vs. price of ₹146.60 (79.7% 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).
56GF Score
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