How has been the historical performance of Fino Payments?

Answer:Fino Payments has shown significant growth in its historical performance, particularly in net sales, which increased from 35.63 Cr in March 2022 to 195.23 Cr in March 2025. The total operating income followed a similar trend, rising from 35.63 Cr in March 2022 to 195.23 Cr in March 2025. However, the company has faced increasing total expenditure, which escalated from 950.80 Cr in March 2022 to 1,638.17 Cr in March 2025, leading to an operating profit (PBDIT) that remained negative, although it improved from -915.17 Cr in March 2022 to -1,442.94 Cr in March 2025. Despite these challenges, the profit before tax showed a positive trend, increasing from 42.74 Cr in March 2022 to 108.35 Cr in March 2025, and the profit after tax also rose from 42.74 Cr to 92.53 Cr over the same period. The company’s total assets grew from 1,680.00 Cr in March 2022 to 4,205.94 Cr in March 2025, while total liabilities increased from 1,680.00 Cr to 4,205.94 Cr, indicating a significant expansion. Cash flow from operating activities improved from 207.00 Cr in March 2022 to 76.00 Cr in March 2025, although cash flow from investing activities showed a negative trend, reflecting ongoing investments.

Breakdown:
Fino Payments has demonstrated robust growth in net sales, which surged from 35.63 Cr in March 2022 to 195.23 Cr in March 2025, alongside total operating income that mirrored this increase. However, the company's total expenditure rose sharply, resulting in a negative operating profit that, despite improving, remained at -1,442.94 Cr by March 2025. The profit before tax and profit after tax both exhibited positive growth, with the former rising to 108.35 Cr and the latter to 92.53 Cr. The company's total assets and liabilities both expanded significantly, indicating a substantial increase in scale, with total assets reaching 4,205.94 Cr. Cash flow from operating activities showed a decline from 207.00 Cr to 76.00 Cr, while cash flow from investing activities remained negative, suggesting ongoing investment efforts. Overall, while Fino Payments has made strides in revenue generation, it continues to grapple with high expenditures and operational challenges.