Fino Payments Bank (NSE:FINOPB) ROC %: % (As of Mar. 2026)


NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
56 GF Score
Price ₹146.60
GF Value ₹721.38
Valuation Possible Value Trap
! 3 Warning Signs
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What is Fino Payments Bank ROC %?

Fino Payments Bank NSE:FINOPB -2.19% 56 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

NSE:FINOPB
56GF Score
Fino Payments Bank Ltd NSE:FINOPB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Fino Payments Bank (NSE:FINOPB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Fino Payments Bank and its competitors.
Is Fino Payments Bank's ROC % too high?
Fino Payments Bank's current ROC % is %. 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 ROC % compare to PNC?
Fino Payments Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Fino Payments Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fino Payments Bank's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: ₹721.38 vs. price of ₹146.60 (79.7% below fair value)
  • GF Score™: 56/100 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).
56GF Score

Get the complete analysis for NSE:FINOPB

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

₹146.60
Price
₹721.38
GF Value