Fino Payments Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Dec 2025 is 4.74% vs -1.44% in Sep 2025

Standalone Net Profit

QoQ Growth in quarter ended Dec 2025 is -5.99% vs -13.57% in Sep 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Dec 2025 is 2.45% vs 13.36% in Sep 2025

Interest

QoQ Growth in quarter ended Dec 2025 is 6.48% vs -2.64% in Sep 2025

Operating Profit Margin (Excl OI)

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

Compare Quarterly Results Of Fino Payments With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Net Sales

62.96

1,841.73

-1,778.77

-96.58%

Other Operating Income

0.00

Total Operating income

62.96

1,841.73

-1,778.77

-96.58%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

54.16

17.68

36.48

206.33%

Power Cost

0.00

Manufacturing Expenses

290.29

1,770.10

-1,479.81

-83.60%

Selling and Distribution Expenses

0.00

Other Expenses

0.00

16.18

-16.18

-100.00%

Total Expenditure (Excl Depreciation)

344.45

1,803.96

-1,459.51

-80.91%

Operating Profit (PBDIT) excl Other Income

-281.49

37.77

-319.26

-845.27%

Other Income

331.45

11.12

320.33

2,880.67%

Operating Profit (PBDIT)

20.55

48.89

-28.34

-57.97%

Interest

29.41

1.74

27.67

1,590.23%

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

17.45

40.72

-23.27

-57.15%

Tax

5.20

9.75

-4.55

-46.67%

Provisions and contingencies

0.00

Profit After Tax

12.25

30.97

-18.72

-60.45%

Extraordinary Items

-2.18

0.00

-2.18

Prior Period Expenses

0.00

Other Adjustments

0.00

27.74

-27.74

-100.00%

Net Profit

14.43

58.71

-44.28

-75.42%

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)

1.47

0.19

1.28

673.68%

Diluted Earnings per share

1.47

0.10

1.37

1,370.00%

Operating Profit Margin (Excl OI)

-452.02%

2.05%

0.00

-454.07%

Gross Profit Margin

27.72%

2.56%

0.00

25.16%

PAT Margin

19.46%

1.68%

0.00

17.78%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 62.96 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.74% vs -1.44% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 27.58% vs 26.05% in Dec 2024

Quarterly - Standalone Net Profit

Standalone Net Profit 14.43 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -5.99% vs -13.57% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -37.56% vs 1.36% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) -310.90 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.45% vs 13.36% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 18.94% vs -24.42% in Dec 2024

Quarterly - Interest

Interest 29.41 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.48% vs -2.64% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 14.66% vs 18.81% in Dec 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) -452.02%

in Dec 2025

Figures in %

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

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