Fino Payments BankNSE:FINOPB -0.65%56 ROA % is 0.53% as of Mar. 2026, which is 79% below its 10-year median of 2.47. GuruFocus rates NSE:FINOPB with a GF Score™ of 56/100 and a GF Value™ of ₹721.38 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,532 Banks companies, Fino Payments Bank ranks better than 68.34% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Fino Payments Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹284 Mil.
Fino Payments Bank's average Total Assets over the quarter that ended in Mar. 2026 was ₹53,119 Mil. Therefore, Fino Payments Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.53%.
The historical rank and industry rank for Fino Payments Bank's ROA % or its related term are showing as below:
NSE:FINOPB'
s ROA % Range Over the Past 10 Years
Min: -9.12 Med: 2.47 Max: 3.18
Current: 1.27
During the past 8 years, Fino Payments Bank's highest ROA % was 3.18%. The lowest was -9.12%. And the median was 2.47%.
NSE:FINOPB's ROA % is ranked better than 68.34% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs NSE:FINOPB: 1.27
Fino Payments Bank (NSE:FINOPB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Fino Payments Bank ROA % Related Terms
Fino Payments Bank ROA % Historical Data
* Premium members only.
The historical data trend for Fino Payments Bank's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Fino Payments Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Fino Payments Bank's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Fino Payments Bank (NSE:FINOPB) has a ROA % of 0.53% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fino Payments Bank and its competitors. This is 79% below median its historical median of 2.47. According to the industry distribution chart, Fino Payments Bank ranks #485 out of 1532 companies in the Banks industry, placing it in the top 31.7%.
Is Fino Payments Bank's ROA % too high?
Fino Payments Bank's current ROA % of 0.53% is 79% below median its 10-year median of 2.47. The Banks industry median ROA % is 0.98. Fino Payments Bank's value of 0.53% is 45.9% below this industry median. Based on the distribution chart, Fino Payments Bank ranks #485 out of 1532 companies in the Banks industry, which is above the industry midpoint. 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 ROA % compare to PNC?
According to the Banks industry distribution chart, Fino Payments Bank ranks #485 out of 1532 companies for ROA %. This puts Fino Payments Bank in the upper half of its industry. The industry median ROA % is 0.98. Fino Payments Bank's value of 0.53% is 45.9% below this benchmark. While the company's 10-year median is 2.47 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fino Payments Bank's current ROA % of 0.53% is 45.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fino Payments Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fino Payments Bank's current ROA % is 0.53%, which is 79% below median its own 10-year median of 2.47. 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 ₹145.64 — trading 79.8% below its estimated fair value. The current ROA % is 0.53%, which is 79% below median its 10-year median of 2.47 and 45.9% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current ROA % is 0.53% 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 ₹145.64 is trading 79.8% below its estimated GF Value™ of ₹721.38.
GuruFocus considers Fino Payments Bank to be Possible Value Trap.
Key valuation signals for NSE:FINOPB:
ROA %: 0.53% (79% below median its 10-year median of 2.47)
GF Value™: ₹721.38 vs. price of ₹145.64 (79.8% below fair value)
Industry Position: 45.9% below the Banks median (#485 of 1532)
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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