Fino Payments Bank (NSE:FINOPB) Scaled Net Operating Assets: N/A (As of Mar. 2026)


NSE:FINOPB Fino Payments Bank Ltd NSE:FINOPB
63 GF Score
Price ₹135.28
GF Value ₹726.60
Valuation Possible Value Trap
! 3 Warning Signs
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What is Fino Payments Bank Scaled Net Operating Assets?

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 Mar. 2026 was ₹39,613 Mil. Fino Payments Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₹29,714 Mil. Fino Payments Bank's Total Assets for the quarter that ended in Dec. 2025 was ₹0 Mil. Therefore, Fino Payments Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was N/A.

NSE:FINOPB
63GF 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 Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(39613-29713.9)/0
=N/A

where

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

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

* 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.

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 ₹135.28 is trading 81.4% below its estimated GF Value™ of ₹726.60. GuruFocus considers Fino Payments Bank to be Possible Value Trap.

Key valuation signals for NSE:FINOPB:

  • Scaled Net Operating Assets: N/A
  • GF Value™: ₹726.60 vs. price of ₹135.28 (81.4% below fair value)
  • GF Score™: 63/100 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).
63GF 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.

₹135.28
Price
₹726.60
GF Value