Fino Payments BankNSE:FINOPB +0.56%63 PEG Ratio is 0.62 as of Jul. 12, 2026, which is 2% above its 10-year median of 0.61. GuruFocus rates NSE:FINOPB with a GF Score™ of 63/100 and a GF Value™ of ₹728.08 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,230 Banks companies, Fino Payments Bank ranks better than 83.09% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Fino Payments Bank's PEG Ratio or its related term are showing as below:
NSE:FINOPB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.61 Max: 0.75
Current: 0.62
During the past 8 years, Fino Payments Bank's highest PEG Ratio was 0.75. The lowest was 0.41. And the median was 0.61.
NSE:FINOPB's PEG Ratio is ranked better than 83.09% of 1230
companies
in the Banks industry
Industry Median: 1.535
vs NSE:FINOPB: 0.62
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Fino Payments Bank (NSE:FINOPB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Fino Payments Bank PEG Ratio Related Terms
Fino Payments Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Fino Payments Bank's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Fino Payments Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Fino Payments Bank's PEG 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Fino Payments Bank (NSE:FINOPB) has a PEG Ratio of 0.62 as of Jul. 12, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Fino Payments Bank and its competitors. This is near median its historical median of 0.61. Over the past decade, Fino Payments Bank's PEG Ratio has ranged from 0.41 to 0.75. According to the industry distribution chart, Fino Payments Bank ranks #208 out of 1230 companies in the Banks industry, placing it in the top 16.9%.
Is Fino Payments Bank's PEG Ratio too high?
Fino Payments Bank's current PEG Ratio of 0.62 is near median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 0.75. The Banks industry median PEG Ratio is 1.54. Fino Payments Bank's value of 0.62 is 59.6% below this industry median. Based on the distribution chart, Fino Payments Bank ranks #208 out of 1230 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Fino Payments Bank has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fino Payments Bank's PEG Ratio compare to PNC?
According to the Banks industry distribution chart, Fino Payments Bank ranks #208 out of 1230 companies for PEG Ratio. This places Fino Payments Bank in the top 17% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.54. Fino Payments Bank's value of 0.62 is 59.6% below this benchmark. Historically, Fino Payments Bank's own PEG Ratio has ranged from 0.41 to 0.75 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 1.54, Fino Payments Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fino Payments Bank's current PEG Ratio of 0.62 is 59.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Fino Payments Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fino Payments Bank's current PEG Ratio is 0.62, which is near median its own 10-year median of 0.61. 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 ₹728.08, compared to a current price of ₹135.40 — trading 81.4% below its estimated fair value. The current PEG Ratio is 0.62, which is near median its 10-year median of 0.61 and 59.6% below the Banks industry median of 1.54. Fino Payments Bank's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current PEG Ratio is 0.62 as of Jul. 12, 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 ₹135.40 is trading 81.4% below its estimated GF Value™ of ₹728.08.
GuruFocus considers Fino Payments Bank to be Possible Value Trap.
Key valuation signals for NSE:FINOPB:
PEG Ratio: 0.62 (near median its 10-year median of 0.61)
GF Value™: ₹728.08 vs. price of ₹135.40 (81.4% below fair value)
Industry Position: 59.6% below the Banks median (#208 of 1230)
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).
63GF Score
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