Fino Payments Bank (NSE:FINOPB) Scaled Net Operating Assets: 0.00 (As of Jun. 2026)

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NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
59 GF Score
Price ₹150.24
GF Value ₹434.13
Valuation Possible Value Trap
! 3 Warning Signs
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What is Fino Payments Bank Scaled Net Operating Assets?

Fino Payments Bank NSE:FINOPB -8.22% 59 Scaled Net Operating Assets is 0.00 as of Jun. 2026. GuruFocus rates NSE:FINOPB with a GF Score™ of 59/100 and a GF Value™ of ₹434.13 (Possible Value Trap). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Fino Payments Bank's operating assets for the quarter that ended in Jun. 2026 was ₹0 Mil. Fino Payments Bank's operating liabilities for the quarter that ended in Jun. 2026 was ₹0 Mil. Fino Payments Bank's Total Assets for the quarter that ended in Mar. 2026 was ₹53,119 Mil. Therefore, Fino Payments Bank's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.00.

NSE:FINOPB
59GF Score
Fino Payments Bank Ltd NSE:FINOPB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Fino Payments Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Fino Payments Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(39613-29713.9)/42059.319
=0.24

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=53119 - 13506
=39613

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=45066.9 - 15353 - 0
=29713.9

Fino Payments Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(0-0)/53119
=0.00

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=0 - 0
=0

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=0 - 0 - 0
=0

* 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.

What does a Scaled Net Operating Assets of 0.00 mean?
Fino Payments Bank (NSE:FINOPB) has a Scaled Net Operating Assets of 0.00 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Fino Payments Bank and its competitors.
Is Fino Payments Bank's Scaled Net Operating Assets too high?
Fino Payments Bank's current Scaled Net Operating Assets is 0.00. Overall, Fino Payments Bank has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fino Payments Bank's Scaled Net Operating Assets compare to PNC?
Fino Payments Bank's Scaled Net Operating Assets of 0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Fino Payments Bank and its competitors. Fino Payments Bank's current Scaled Net Operating Assets 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 ₹434.13, compared to a current price of ₹150.24 — trading 65.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.00. Fino Payments Bank's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Fino Payments Bank (NSE:FINOPB), the current Scaled Net Operating Assets is 0.00 as of Jun. 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 ₹150.24 is trading 65.4% below its estimated GF Value™ of ₹434.13. GuruFocus considers Fino Payments Bank to be Possible Value Trap.

Key valuation signals for NSE:FINOPB:

  • Scaled Net Operating Assets: 0.00
  • GF Value™: ₹434.13 vs. price of ₹150.24 (65.4% below fair value)
  • GF Score™: 59/100 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).
59GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹150.24
Price
₹434.13
GF Value