Is Fino Payments overvalued or undervalued?

Nov 10 2025 08:14 AM IST
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As of November 7, 2025, Fino Payments is fairly valued with a PE ratio of 28.93 and has underperformed the Sensex by 26.8% over the past year, indicating concerns about profitability and growth expectations compared to its peers.
As of 7 November 2025, the valuation grade for Fino Payments has moved from attractive to fair. The company is currently fairly valued based on its financial metrics. The PE ratio stands at 28.93, while the Price to Book Value is 3.08. Notably, the EV to EBIT and EV to EBITDA ratios are both at -1.50, indicating potential concerns regarding profitability.

In comparison to its peers, Fino Payments has a PE ratio that is lower than Bajaj Finance, which is at 38.09, but higher than Life Insurance, which is at 11.44. The PEG ratio of Fino Payments is 0.00, suggesting a lack of growth expectations compared to its peers. Recent stock performance shows that Fino Payments has underperformed the Sensex over the past year, with a decline of 26.8% compared to the Sensex's gain of 4.62%.
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