Fino Payments Bank Limited
Fino Payments Bank Limited (FINOPB) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Banks›Other Bank
fino.bank.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-03
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Interest Income | 27 Cr | 33 Cr | 32 Cr | 34 Cr |
| Other income | 441 Cr | 392 Cr | 340 Cr | 331 Cr |
| Net operating income | 468 Cr | 425 Cr | 372 Cr | 365 Cr |
| Employee cost | 55 Cr | 58 Cr | 56 Cr | 54 Cr |
| Other expenses | 383 Cr | 342 Cr | 295 Cr | 290 Cr |
| Provisions & contingencies | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Depreciation | — | — | — | — |
| Profit before tax | 30 Cr | 25 Cr | 21 Cr | 17 Cr |
| Tax % | 19.2% | 27.9% | 27.7% | 29.8% |
| Net profit | 24 Cr | 18 Cr | 15 Cr | 12 Cr |
| EPS (₹) | ₹2.89 | ₹2.13 | ₹1.84 | ₹1.47 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2025 | TTM |
|---|---|---|
| Net Interest Income | 95 Cr | Sign in for TTM |
| Other income | 1,652 Cr | Sign in for TTM |
| Net operating income | 1,747 Cr | Sign in for TTM |
| Employee cost | 207 Cr | Sign in for TTM |
| Other expenses | 1,432 Cr | Sign in for TTM |
| Provisions & contingencies | 0 Cr | Sign in for TTM |
| Depreciation | — | Sign in for TTM |
| Profit before tax | 108 Cr | Sign in for TTM |
| Tax % | 14.6% | Sign in for TTM |
| Net profit | 93 Cr | Sign in for TTM |
| EPS (₹) | ₹11.12 | Sign in for TTM |
| Dividend payout % | 0.0% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 |
|---|---|
| Equity capital | 83 Cr |
| Reserves | 636 Cr |
| Borrowings | 839 Cr |
| Other liabilities | 2,647 Cr |
| Total liabilities | 4,206 Cr |
| Fixed assets (net) | 298 Cr |
| CWIP | — |
| Investments | 2,388 Cr |
| Loans & advances | 0.17 Cr |
| Cash & bank | 183 Cr |
| Other assets | 1,337 Cr |
| Total assets | 4,206 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2025 |
|---|---|
| Cash from operating activity | 76 Cr |
| Cash from investing | -164 Cr |
| Cash from financing | 127 Cr |
| Net cash flow | 39 Cr |
| Free cash flow (OCF − Capex) | -88 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2025 |
|---|---|
| ROCE % | 6.0% |
| ROE % | 12.9% |
| Debtor days | — |
| Inventory days | — |
| Days payable | — |
| Cash conversion cycle | — |
| Debt / equity | 1.17 |
| Current ratio | — |
| Net debt / EBITDA | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2025 |
|---|---|
| Gross NPA | 0 Cr |
| Gross NPA % | 0.0% |
| Net NPA | 0 Cr |
| Net NPA % | 0.0% |
| CET1 % | 73.9% |
| Additional Tier 1 % | 0.0% |
| Capital adequacy % | — |
| NIM % | — |
| ROA % | 0.0% |
Compare with peers
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