Fino Payments

Who are the top shareholders of the Fino Payments?

The top shareholders of Fino Payments include Fino Paytech Limited with 75.0%, mutual funds with 3.03%, foreign institutional investors at 4.08%, and individual investors holding 13.79%. The largest public shareholder is Motilal Oswal Dynamic Fund, which owns 2.2%.

The top shareholders of Fino Payments include Fino Paytech Limited, which holds a significant 75.0% of the company as the major promoter. Other notable shareholders are mutual funds, which collectively hold 3.03% through two schemes, and foreign institutional investors (FIIs), who hold 4.08% through 31 different entities. Additionally, the highest public shareholder is Motilal Oswal Dynamic Fund, with a holding of 2.2%. Individual investors also have a notable stake, accounting for 13.79% of the total shares.

What does Fino Payments do?

Fino Payments Bank Ltd is a small-cap fintech company that provides various financial services. As of March 2025, it reported net sales of ₹53 Cr and a net profit of ₹24 Cr, with a market cap of ₹2,213 Cr.

Overview:<BR>Fino Payments Bank Ltd operates in the financial technology (fintech) sector and is categorized as a small-cap company.<BR><BR>History:<BR>Fino Payments Bank Limited was incorporated in 2007 as Fino Fintech Foundation and underwent several name changes, including Fino Fintech Private Limited in 2015 and Fino Fintech Limited in 2017 following its conversion to a public limited company. The latest quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 53 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 24 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 2,213 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 23.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.00 <BR>Return on Equity: 12.86% <BR>Price to Book: 2.96<BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are in the management team of Fino Payments?

As of March 2022, Fino Payments' management team includes Rishi Gupta (Managing Director & CEO), Rakesh Bhartia (Part-Time Chairman), and several independent directors such as Suresh Kumar Jain and Deena A Mehta, along with other key executives and nominees. This diverse team guides the company's governance and strategic direction.

As of March 2022, the management team of Fino Payments includes the following individuals:<BR><BR>1. Rishi Gupta - Managing Director & CEO<BR>2. Suresh Kumar Jain - Independent Director<BR>3. Deena A Mehta - Independent Director<BR>4. Rajat Kumar Jain - Independent Director<BR>5. Basavraj Loni - Company Secretary & Compliance Officer<BR>6. Prakash Kulathu Iyer - Independent Director<BR>7. Rakesh Bhartia - Part-Time Chairman<BR>8. Prateek Roongta - Nominee<BR>9. Pankaj Kumar - Nominee<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance and strategic direction of the company.

Has Fino Payments declared dividend?

No Dividend History Available

Who are the peers of the Fino Payments?

Fino Payments' peers include PB Fintech, One 97, Infibeam Avenues, One Mobikwik, Suvidhaa Info, WSFX Global, AGS Transact, and MOS Utility. In terms of management risk and growth, Fino Payments ranks well, with a 1-year return of -6.95%, better than Infibeam Avenues but lower than One 97's 118.49%.

Peers: The peers of Fino Payments are PB Fintech., One 97, Infibeam Avenues, One Mobikwik, Suvidhaa Info., WSFX Global, AGS Transact, and MOS Utility.<BR><BR>Quality Snapshot: Excellent management risk is observed at PB Fintech., Infibeam Avenues, Fino Payments, and MOS Utility, while Average management risk is found at One 97 and the rest. Below Average management risk is present at One Mobikwik, Suvidhaa Info., WSFX Global, and AGS Transact. In terms of growth, Excellent growth is noted at PB Fintech., Infibeam Avenues, Fino Payments, and MOS Utility, while Average growth is seen at One 97 and One Mobikwik, and Below Average growth is found at Suvidhaa Info. and AGS Transact. Excellent capital structure is held by PB Fintech., One 97, Infibeam Avenues, Fino Payments, One Mobikwik, and WSFX Global, while Below Average capital structure is observed at Suvidhaa Info., AGS Transact, and the rest.<BR><BR>Return Snapshot: One 97 has the highest 1-year return at 118.49%, while Infibeam Avenues has the lowest at -45.32%. Fino Payments' 1-year return is -6.95%, which is higher than Infibeam Avenues but lower than One 97. Additionally, the six-month return is negative for One Mobikwik, WSFX Global, AGS Transact, and Infibeam Avenues.

How big is Fino Payments?

As of 24th July, Fino Payments Bank Ltd has a market capitalization of 2,354.00 Cr, with recent net sales of 195.21 Cr and a net profit of 92.53 Cr. The balance sheet for March 2024 shows shareholder's funds of 643.16 Cr and total assets of 3,419.11 Cr.

As of 24th July, Fino Payments Bank Ltd has a market capitalization of 2,354.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, Fino Payments reported Net Sales of 195.21 Cr and a Net Profit of 92.53 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, showing Shareholder's Funds of 643.16 Cr and Total Assets of 3,419.11 Cr.

Are Fino Payments latest results good or bad?

Fino Payments Bank's latest results show strong year-on-year revenue growth of 25.88%, but a sequential decline in revenue and a drop in net profit raise concerns about sustainability and operational challenges, suggesting the results are more negative than positive.

Fino Payments Bank's latest results present a mixed picture. On one hand, the bank achieved a year-on-year revenue growth of 25.88%, reaching ₹60.11 crores, which indicates strong long-term growth potential. However, on a sequential basis, there was a decline of 1.44% in revenue compared to the previous quarter, marking the first quarterly contraction in recent periods. This decline raises concerns about potential challenges in maintaining growth momentum.<BR><BR>Profitability metrics also showed deterioration. The net profit for the quarter was ₹15.35 crores, down 13.57% from the previous quarter, and the profit after tax (PAT) margin contracted to 25.54%, down from 29.12%. These figures suggest that while the bank is still profitable, its earnings quality is under scrutiny due to a heavy reliance on non-operating income, which accounted for a staggering 1,601.98% of profit before tax. This dependency raises questions about the sustainability of its core banking operations.<BR><BR>Overall, while Fino Payments Bank has demonstrated impressive year-on-year growth, the recent quarterly results highlight significant operational challenges and a concerning reliance on non-operating income to drive profitability. This combination of factors suggests that the latest results are more negative than positive, indicating a need for caution moving forward.

How has been the historical performance of Fino Payments?

Fino Payments has shown significant growth in net sales, increasing from 18.13 Cr in Mar'20 to 195.23 Cr in Mar'25, while profit before tax improved from -32.04 Cr to 108.35 Cr. Despite rising total expenditures leading to a negative operating profit, the company has enhanced its earnings per share from -7.19 to 11.12 and improved cash flow from operating activities to 76.00 Cr.

Answer:<BR>The historical performance of Fino Payments shows significant growth in net sales and profit over the years, with net sales increasing from 18.13 Cr in Mar'20 to 195.23 Cr in Mar'25. The total operating income also reflects this upward trend, rising from 18.13 Cr in Mar'20 to 195.23 Cr in Mar'25. However, the company has faced challenges with total expenditure, which increased from 712.53 Cr in Mar'20 to 1,638.17 Cr in Mar'25, leading to an operating profit (PBDIT) that remains negative at -1,442.94 Cr in Mar'25. Despite this, the company has shown improvement in profit before tax, which rose from -32.04 Cr in Mar'20 to 108.35 Cr in Mar'25, and profit after tax also increased from -32.04 Cr in Mar'20 to 92.53 Cr in Mar'25. The earnings per share (EPS) have improved significantly from -7.19 in Mar'20 to 11.12 in Mar'25. On the balance sheet, total assets grew from 624.00 Cr in Mar'20 to 4,205.94 Cr in Mar'25, while total liabilities increased from 110.79 Cr in Mar'20 to 839.46 Cr in Mar'25. The cash flow from operating activities has also shown positive growth, reaching 76.00 Cr in Mar'25, compared to -83.00 Cr in Mar'20.<BR><BR>Breakdown:<BR>Fino Payments has demonstrated a remarkable increase in net sales, which surged from 18.13 Cr in Mar'20 to 195.23 Cr in Mar'25, indicating a strong growth trajectory. The total operating income followed suit, reflecting the same upward trend. However, the company has struggled with rising total expenditure, which escalated from 712.53 Cr in Mar'20 to 1,638.17 Cr in Mar'25, resulting in a persistently negative operating profit (PBDIT) of -1,442.94 Cr in Mar'25. Despite these challenges, Fino Payments has made strides in profitability, with profit before tax improving from -32.04 Cr in Mar'20 to 108.35 Cr in Mar'25, and profit after tax rising from -32.04 Cr to 92.53 Cr in the same period. The earnings per share have also seen a significant turnaround, moving from -7.19 to 11.12. On the balance sheet, total assets have expanded dramatically from 624.00 Cr to 4,205.94 Cr, while total liabilities increased from 110.79 Cr to 839.46 Cr, reflecting the company's growth and investment strategies. Additionally, cash flow from operating activities has improved, reaching 76.00 Cr in Mar'25, compared to a negative cash flow of -83.00 Cr in Mar'20, indicating better operational efficiency.

Is Fino Payments overvalued or undervalued?

As of November 26, 2025, Fino Payments is fairly valued with a PE ratio of 30.32 and a troubling ROCE of -225.60%, underperforming the market with a year-to-date return of -7.92% compared to the Sensex's 9.56%.

As of 26 November 2025, Fino Payments has moved from an attractive to a fair valuation grade. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 30.32, a Price to Book Value of 3.23, and a troubling ROCE of -225.60%. <BR><BR>In comparison to its peers, Fino Payments' PE ratio is lower than Bajaj Finance's 34.37 but significantly higher than Life Insurance's 11.08, indicating a mixed positioning within the industry. The company's recent stock performance has been underwhelming, with a year-to-date return of -7.92%, contrasting sharply with the Sensex's 9.56% return in the same period, which further underscores the valuation context.

Is Fino Payments technically bullish or bearish?

As of December 1, 2025, the trend is mildly bullish, supported by weekly indicators, but tempered by mixed monthly signals suggesting caution.

As of 1 December 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by the weekly MACD and Bollinger Bands indicating bullish momentum, while the daily moving averages remain bullish. However, the monthly MACD and KST show a mildly bearish trend, which tempers the overall bullish outlook. The Dow Theory also reflects a mildly bullish stance on the weekly timeframe. Overall, the strength of the bullish signal is moderate, with some caution advised due to mixed signals in the monthly indicators.

When is the next results date for Fino Payments Bank Ltd?

The next results date for Fino Payments Bank Ltd is January 29, 2026.

The next results date for Fino Payments Bank Ltd is scheduled for January 29, 2026.

Why is Fino Payments Bank Ltd falling/rising?

As of 28-Jan, Fino Payments Bank Ltd's stock price is rising to 226.80, up 8.67%, driven by a sector outperformance and a recovery in investor sentiment after previous declines. Despite past challenges, including a -17.04% return over the year, the stock's current upward trend suggests temporary positive sentiment.

As of 28-Jan, Fino Payments Bank Ltd's stock price is rising, currently at 226.80, reflecting an increase of 18.1 or 8.67%. This rise can be attributed to several factors. Firstly, the stock has outperformed its sector by 6.09% today, indicating a positive trend in comparison to other companies in the Finance/NBFC sector, which has gained by 2.58%. Additionally, the stock has experienced a trend reversal after two consecutive days of decline, suggesting a recovery in investor sentiment.<BR><BR>The stock reached an intraday high of Rs 227.9, which is a 9.2% increase, further demonstrating the upward momentum. Despite a decrease in delivery volume by 58.83% against the 5-day average, the stock remains liquid enough for trading, which may also support its price stability.<BR><BR>Moreover, Fino Payments Bank Ltd has strong long-term fundamental strengths, highlighted by a 41.53% compound annual growth rate (CAGR) in operating profits and a significant annual growth rate of 74.49% in net sales. The stock is trading at a discount compared to its peers' average historical valuations, which may attract investors looking for value opportunities.<BR><BR>However, it is important to note that the stock has faced challenges in the past year, generating a return of -17.04% and experiencing a decline in profits by -14.1%. Additionally, there has been a decrease in institutional investor participation, which could be a concern for future performance. Nonetheless, the current rise in stock price reflects a temporary positive sentiment amidst these underlying challenges.

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