Fino Payments Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Sep 2025 is -1.44% vs 15.56% in Jun 2025

Standalone Net Profit

QoQ Growth in quarter ended Sep 2025 is -13.57% vs -26.00% in Jun 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Sep 2025 is 13.36% vs 10.50% in Jun 2025

Interest

QoQ Growth in quarter ended Sep 2025 is -2.64% vs 9.16% in Jun 2025

Operating Profit Margin (Excl OI)

QoQ Growth in quarter ended Sep 2025 has improved from Jun 2025

Compare Quarterly Results Of Fino Payments With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Net Sales

60.11

1,841.73

-1,781.62

-96.74%

Other Operating Income

0.00

Total Operating income

60.11

1,841.73

-1,781.62

-96.74%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

56.49

17.68

38.81

219.51%

Power Cost

0.00

Manufacturing Expenses

294.72

1,770.10

-1,475.38

-83.35%

Selling and Distribution Expenses

0.00

Other Expenses

0.00

16.18

-16.18

-100.00%

Total Expenditure (Excl Depreciation)

351.21

1,803.96

-1,452.75

-80.53%

Operating Profit (PBDIT) excl Other Income

-291.10

37.77

-328.87

-870.72%

Other Income

339.94

11.12

328.82

2,957.01%

Operating Profit (PBDIT)

21.22

48.89

-27.67

-56.60%

Interest

27.62

1.74

25.88

1,487.36%

Exceptional Items

0.00

27.74

-27.74

-100.00%

Gross Profit (PBDT)

0.00

47.15

-47.15

-100.00%

Depreciation

0.00

6.43

-6.43

-100.00%

Profit Before Tax

21.22

40.72

-19.50

-47.89%

Tax

5.87

9.75

-3.88

-39.79%

Provisions and contingencies

0.00

Profit After Tax

15.35

30.97

-15.62

-50.44%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

27.74

-27.74

-100.00%

Net Profit

15.35

58.71

-43.36

-73.85%

Equity Capital

83.22

314.64

-231.42

-73.55%

Face Value

10.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.84

0.19

1.65

868.42%

Diluted Earnings per share

1.84

0.10

1.74

1,740.00%

Operating Profit Margin (Excl OI)

-484.28%

2.05%

0.00

-486.33%

Gross Profit Margin

35.30%

2.56%

0.00

32.74%

PAT Margin

25.54%

1.68%

0.00

23.86%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 60.11 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -1.44% vs 15.56% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 25.88% vs 30.71% in Sep 2024

Quarterly - Standalone Net Profit

Standalone Net Profit 15.35 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -13.57% vs -26.00% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -27.42% vs 8.35% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) -318.72 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 13.36% vs 10.50% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 16.51% vs -26.41% in Sep 2024

Quarterly - Interest

Interest 27.62 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -2.64% vs 9.16% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 10.26% vs 32.75% in Sep 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) -484.28%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 has improved from Jun 2025

YoY Growth in quarter ended Sep 2025 has improved from Sep 2024