ScoreWhy is Fino Payments Bank Ltd ?
1
Flat results in Sep 25
- PAT(Q) At Rs 15.35 cr has Fallen at -28.6% (vs previous 4Q average)
- NON-OPERATING INCOME(Q) is 1,601.98 % of Profit Before Tax (PBT)
- EPS(Q) Lowest at Rs 1.84
2
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -17.10% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Financial Technology (Fintech))
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Fino Payments for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Fino Payments
-17.07%
-0.34
49.90%
Sensex
3.68%
0.32
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Industry P/E
23
Price to Book Value
2.96
EV to EBIT
-1.44
EV to EBITDA
-1.44
EV to Capital Employed
3.25
EV to Sales
9.56
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-225.60%
ROE (Latest)
10.65%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET SALES(9M)
At Rs 173.88 cr has Grown at 29.30%
PBDIT(Q)
Highest at Rs -318.72 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -530.23%
PBT LESS OI(Q)
Highest at Rs -318.72 cr.
-7What is not working for the Company
PAT(Q)
At Rs 15.35 cr has Fallen at -28.6% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 1,601.98 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 1.84
Loading Valuation Snapshot...
Here's what is working for Fino Payments
Net Sales - Latest six months
At Rs 121.10 cr has Grown at 30.10%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs -318.72 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -530.23%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -318.72 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Here's what is not working for Fino Payments
Profit After Tax (PAT) - Quarterly
At Rs 15.35 cr has Fallen at -28.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 21.51 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 1,601.98 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 1.84
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
