ScoreWhy is Fino Payments Bank Ltd ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Operating profit has grown by an annual rate of 5.45%
2
Flat results in Jun 26
- PAT(9M) At Rs 5.63 cr has Grown at -91.32%
- EPS(Q) Lowest at Rs -1.65
3
With ROE of 3.2, it has a Expensive valuation with a 1.5 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -50.31%, its profits have fallen by -71.6%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -1.41% over the previous quarter and collectively hold 0.32% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -50.31% 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
-50.39%
-0.84
60.30%
Sensex
-3.57%
-0.27
13.41%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
48
Industry P/E
21
Price to Book Value
1.51
EV to EBIT
-0.88
EV to EBITDA
-0.88
EV to Capital Employed
1.64
EV to Sales
3.88
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-205.85%
ROE (Latest)
3.17%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bearish
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PBDIT(Q)
Highest at Rs -248.36 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -343.85%
PBT LESS OI(Q)
Highest at Rs -248.36 cr.
NET SALES(Q)
Highest at Rs 72.23 cr
-10What is not working for the Company
PAT(9M)
At Rs 5.63 cr has Grown at -91.32%
EPS(Q)
Lowest at Rs -1.65
Loading Valuation Snapshot...
Here's what is working for Fino Payments
Operating Profit (PBDIT) - Quarterly
Highest at Rs -248.36 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -343.85% and Grown
each quarter 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 -248.36 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net Sales - Quarterly
Highest at Rs 72.23 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Here's what is not working for Fino Payments
Profit After Tax (PAT) - Quarterly
At Rs -13.72 cr has Fallen at -204.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 13.12 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
Lowest at Rs -13.72 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs -1.65
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
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