Fino Payments

Why is Fino Payments Bank Ltd falling/rising?

As of 30-Aug, Fino Payments Bank Ltd's stock price is at 141.70, reflecting a significant decline of 45.90% year-to-date and underperformance compared to the Sensex. The stock has been on a downward trend, trading below its moving averages and experiencing consecutive declines.

As of 30-Aug, Fino Payments Bank Ltd's stock price is falling, currently at 141.70, which reflects a decrease of 1.7 or 1.19%. The stock has been underperforming significantly compared to the benchmark Sensex, with a 1-week decline of 2.88% and a 1-month drop of 13.39%. Year-to-date, the stock has decreased by 45.90%, while the Sensex has only fallen by 9.34%. Over the past year, Fino Payments Bank Ltd has seen a decline of 47.74%, compared to a much smaller decline of 3.52% in the Sensex.<BR><BR>Today's performance indicates that the stock has underperformed its sector by 0.9% and has been on a consecutive fall for the last four days, accumulating a total decline of 4.22% during this period. Additionally, the stock is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals bearish sentiment. <BR><BR>Despite a slight increase in delivery volume on August 27, which rose by 0.83% against the 5-day average, the overall liquidity remains adequate for trading. However, these factors combined suggest a continued downward trend in the stock price of Fino Payments Bank Ltd.

Which are the latest news on Fino Payments?

Should I buy, sell or hold Fino Payments Bank Ltd?

Who are in the management team of Fino Payments?

The management team of Fino Payments includes Rishi Gupta (Managing Director & CEO), Suresh Kumar Jain, Deena A Mehta, Rajat Kumar Jain, Prakash Kulathu Iyer (all Independent Directors), Basavraj Loni (Company Secretary), Rakesh Bhartia (Part-Time Chairman), and nominees Prateek Roongta and Pankaj Kumar. They are responsible for guiding the company's strategy and operations.

The management team of Fino Payments includes the following key 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 plays a crucial role in guiding the company's strategy and operations.

What does Fino Payments do?

Fino Payments Bank Ltd is a micro-cap fintech company that provides banking services and was established in 2007, officially becoming Fino Payments Bank in 2017. As of June 2026, it reported net sales of 72 Cr and a net loss of 14 Cr, with a market cap of INR 1,344 Cr.

Overview: <BR>Fino Payments Bank Ltd operates in the financial technology (fintech) sector and is classified as a micro-cap company.<BR><BR>History: <BR>Fino Payments Bank Limited was incorporated in 2007 as Fino Fintech Foundation. The company underwent several name changes, becoming Fino Fintech Private Limited in December 2015, Fino Fintech Limited in February 2017, and finally Fino Payments Bank Limited in April 2017 following RBI approval. The most recent quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 72 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: -14 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 1,344 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 24.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 7.26% <BR>Price to Book: 1.73 <BR><BR>Contact Details: <BR>Details: No Company Details Available <BR>Registrar Address: Not available.

Who are the peers of the Fino Payments?

Fino Payments' peers include One 97, PB Fintech, AvenuesAI, One Mobikwik, WSFX Global, Suvidhaa Info, AGS Transact, and MOS Utility. In terms of management risk, growth, and capital structure, Fino Payments ranks below average compared to its peers, with a 1-year return of -35.97%.

Peers: The peers of Fino Payments are One 97, PB Fintech, AvenuesAI, One Mobikwik, WSFX Global, Suvidhaa Info, AGS Transact, and MOS Utility.<BR><BR>Quality Snapshot: Excellent management risk is observed at One 97, PB Fintech, and MOS Utility, while Average management risk is found at One 97 and the rest. Below Average management risk is noted for AvenuesAI, One Mobikwik, Fino Payments, WSFX Global, Suvidhaa Info, AGS Transact. In terms of Growth, Excellent growth is seen at PB Fintech, AvenuesAI, One Mobikwik, WSFX Global, and the rest show Good growth, including Fino Payments, while Below Average growth is noted for Suvidhaa Info and AGS Transact. For Capital Structure, Excellent capital structure is present at One 97, PB Fintech, AvenuesAI, One Mobikwik, WSFX Global, and the rest, while Below Average capital structure is found at Suvidhaa Info and AGS Transact.<BR><BR>Return Snapshot: The peer with the highest 1-year return is One 97 at 42.60%, while the lowest is AGS Transact at -60.04%, with Fino Payments showing a 1-year return of -35.97%, which is higher than AGS Transact but lower than One 97. Additionally, Suvidhaa Info and AGS Transact have negative six-month returns.

How big is Fino Payments?

As of 14th August, Fino Payments Bank Ltd has a market capitalization of 1,253.27 Cr, with recent net sales of 259.40 Cr and a net profit of 24.45 Cr. Shareholder's funds are 746.88 Cr, and total assets amount to 4,205.94 Cr.

As of 14th August, Fino Payments Bank Ltd has a market capitalization of 1,253.27 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest 4 quarters, Fino Payments reported Net Sales of 259.40 Cr and a Net Profit of 24.45 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 746.88 Cr and Total Assets of 4,205.94 Cr.

Are Fino Payments Bank Ltd latest results good or bad?

Fino Payments Bank Ltd's latest results show significant challenges, with a 21.45% increase in net sales to ₹64.10 crores but a 70.42% decline in net profit year-on-year, indicating deep operational inefficiencies and reliance on non-core income. Overall, the results suggest more bad than good, raising concerns about the company's future viability.

Fino Payments Bank Ltd's latest results indicate significant challenges. While the company reported a 21.45% year-on-year growth in net sales, reaching ₹64.10 crores, it continues to struggle with core profitability. The operating profit before other income was a substantial negative ₹241.61 crores, highlighting deep operational inefficiencies.<BR><BR>The net profit for the quarter was ₹7.10 crores, which represents a dramatic decline of 70.42% year-on-year and a 42.03% drop from the previous quarter. Additionally, the profit after tax (PAT) margin fell sharply to 11.08%, down from 45.47% a year earlier, indicating severe margin compression.<BR><BR>A critical concern is the company's heavy reliance on other income, which accounted for an astonishing 6,728.78% of profit before tax. This dependency raises serious questions about the sustainability of its business model, as the core banking operations remain unprofitable.<BR><BR>Overall, while there are some positive aspects, such as revenue growth, the underlying operational weaknesses and significant profit declines suggest that the results are more bad than good. The company's future viability appears to be at risk without substantial improvements in its core operations.

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.

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.

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.

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.

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.

Has Fino Payments declared dividend?

No Dividend History Available