Fino Payments BankNSE:FINOPB -0.65%56 ROE % is 3.53% as of Mar. 2026, which is 73% below its 10-year median of 12.96. 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 1,527 Banks companies, Fino Payments Bank ranks worse than 68.17% on this metric.
The historical rank and industry rank for Fino Payments Bank's ROE % or its related term are showing as below:
NSE:FINOPB'
s ROE % Range Over the Past 10 Years
Min: -38.48 Med: 12.96 Max: 14.59
Current: 7.53
During the past 8 years, Fino Payments Bank's highest ROE % was 14.59%. The lowest was -38.48%. And the median was 12.96%.
NSE:FINOPB's ROE % is ranked worse than 68.17% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs NSE:FINOPB: 7.53
Fino Payments Bank (NSE:FINOPB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Fino Payments Bank ROE % Related Terms
Fino Payments Bank ROE % Historical Data
* Premium members only.
The historical data trend for Fino Payments Bank's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Fino Payments Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Fino Payments Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Fino Payments Bank (NSE:FINOPB) has a ROE % of 3.53% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Fino Payments Bank and its competitors. This is 73% below median its historical median of 12.96. According to the industry distribution chart, Fino Payments Bank ranks #1041 out of 1527 companies in the Banks industry, placing it in the top 68.2%.
Is Fino Payments Bank's ROE % too high?
Fino Payments Bank's current ROE % of 3.53% is 73% below median its 10-year median of 12.96. The Banks industry median ROE % is 10.23. Fino Payments Bank's value of 3.53% is 65.5% below this industry median. Based on the distribution chart, Fino Payments Bank ranks #1041 out of 1527 companies in the Banks industry, which is below 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 ROE % compare to PNC?
According to the Banks industry distribution chart, Fino Payments Bank ranks #1041 out of 1527 companies for ROE %. This places Fino Payments Bank in the lower half of its industry. The industry median ROE % is 10.23. Fino Payments Bank's value of 3.53% is 65.5% below this benchmark. While the company's 10-year median is 12.96 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fino Payments Bank's current ROE % of 3.53% is 65.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Fino Payments Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fino Payments Bank's current ROE % is 3.53%, which is 73% below median its own 10-year median of 12.96. 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 ROE % is 3.53%, which is 73% below median its 10-year median of 12.96 and 65.5% below the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current ROE % is 3.53% 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:
ROE %: 3.53% (73% below median its 10-year median of 12.96)
GF Value™: ₹721.38 vs. price of ₹145.64 (79.8% below fair value)
Industry Position: 65.5% below the Banks median (#1041 of 1527)
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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