Fino Payments Bank Limited

NSE: FINOPB BSE: 543386 SECTOR: Financial Services - Banks

134 6(5%)

Volume

23k as on 27, Dec

Open

324

High

328

Low

322

128

VWAP

325

52 Week High

339

52 Week Low

110

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,115

No. of Shares

8.32

P/E

32.1

P/B

4.34

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

13.52

ROCE

Profit Growth

Listing Date

12-Nov-21

Promoter Holding

75%

FII Holding

1.33%

DII Holding

0.4%

Price Chart

Price Performance

1 Week1%

1 Month10%

3 Months18%

6 Months8%

1 Year14%

YTD20%

Moving Average

5 Day SMA324

10 Day SMA323

20 Day SMA339

30 Day SMA340

50 Day SMA358

61 Day SMA367

80 Day SMA376

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	353	329	346	352
Resistance 2	346	327	339	345
Resistance 1	335	325	334	333
Pivot Point	327	324	327	327
Support 1	316	322	320	315
Support 2	309	320	316	308
Support 3	298	318	309	296

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021
Promoters	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%	(0.01) 75.00%
FIIs	(-1.41) 1.33%	(0.01) 2.69%	(0.11) 2.67%	(-1.51) 2.54%	(0.41) 4.08%	(-0.51) 3.70%	(-0.91) 4.21%	(0.01) 5.12%	(0.01) 5.12%	(-0.51) 5.09%	(-0.71) 5.57%	(-0.91) 6.29%	(-0.51) 7.20%	(-1.61) 7.67%	(-0.51) 9.26%	(-0.21) 9.80%	(-0.21) 10.00%	(0.01) 10.20%
DIIs	(-0.11) 0.40%	(-2.91) 0.45%	(0.31) 3.35%	(-0.51) 3.04%	(-2.61) 3.52%	(-0.11) 6.08%	(0.11) 6.14%	(0.11) 5.99%	(0.31) 5.92%	(-1.31) 5.58%	(1.41) 6.83%	(0.71) 5.48%	(1.01) 4.74%	(-4.11) 3.73%	(-1.01) 7.84%	(-0.31) 8.80%	(-0.61) 9.06%	(0.01) 9.66%
Public	23.27%	21.87%	19.00%	19.43%	17.41%	15.22%	14.65%	13.90%	13.97%	14.34%	12.60%	13.25%	13.07%	13.60%	7.91%	6.40%	5.94%	5.14%
No. of Shareholders	62,358	61,483	61,622	63,093	64,104	64,460	64,495	63,919	65,150	68,897	67,998	74,906	77,993	81,802	83,367	85,315	88,284	93,449

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	64.1	62.96	60.11	60.99	52.78	49.35	47.75	45.33	41.4	39.15	36.53	32.97	29.4	25	21	19	13	10	7	6
Expenses	305.71	344.45	351.21	400.47	437.8	407.24	404.43	388.7	353.02	325.81	320.19	314.16	287.05	281	278	271	263	257	231	200
Operating Profit	-270.49	-310.9	-318.72	-367.85	-411.01	-383.54	-381.73	-367.26	-334.61	-308.25	-302.53	-296.64	-271.95	-270	-268	-260	-255	-251	-227	-197
OPM %	-421.98	-493.81	-530.23	-603.13	-778.72	-777.18	-799.43	-810.19	-808.24	-787.36	-828.17	-899.73	-925	-1067	-1249	-1389	-2006	-2559	-3228	-3252
Other Income	274.59	328.35	339.94	392.48	440.71	411.99	407.66	391.53	359.9	331.05	322.05	315.34	294.03	289	282	270	273	265	235	200
Interest	28.88	29.41	27.62	28.37	25.99	25.65	25.05	23.89	22.99	21.59	18.87	15.45	14.3	14	12	8	5	4	3	3
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	4.1	17.45	21.22	24.63	29.7	28.45	25.93	24.27	25.29	22.8	19.52	18.7	22.08	19	14	10	18	14	8	3
Tax %	-73.17	29.8	27.66	27.89	19.19	18.77	18.43	0	0.32	0	0	0	0	0	0	0	0	0	0	0
Net Profit	7.1	12.25	15.35	17.76	24	23.11	21.15	24.27	25.21	22.8	19.52	18.7	22.08	19	14	10	18	14	8	3
EPS in Rs	0.85	1.47	1.84	2.13	2.88	2.78	2.54	2.92	3.03	2.74	2.35	2.25	2.65	2.3	1.66	1.21	2.12	1.69	1.01	0.7

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Sales	248	195	150	95	36	20	18	19	16
Expenses	1402	1576	1260	1076	915	707	690	410	279
Operating Profit	-1268	-1481	-1189	-1028	-895	-697	-682	-396	-266
OPM %	-511	-759	-792	-1084	-2512	-3441	-3760	-2068	-1716
Other Income	1335	1652	1328	1135	973	771	673	352	215
Interest	114	101	79	47	15	10	10	6	3
Depreciation	0	62	53	42	35	54	24	18	16
Profit before tax	67	108	86	65	43	20	-32	-62	-67
Tax %	22	15	0	0	0	0	0	0	0
Net Profit	52	93	86	65	43	20	-32	-62	-67
EPS in Rs	6.3	11.12	10.36	7.82	5.14	4.59	-7.19	-13.99	-15.11
Dividend Payout %	0	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Cash from Operating Activity	-307	76	57	-20	207	-32	-84
Cash from Investing Activity	-143	-164	-104	-97	-64	-69	-31
Cash from Financing Activity	696	127	279	184	352	70	28
Net Cash Flow	246	39	232	68	495	-31	-86

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Equity Capital	83	83	83	83	83	83	83	45	45	45	45
Reserves	687	670	664	588	560	469	397	106	85	118	180
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	627	615	680	622	651	563	448	436	266	392	226
Total Liabilities	5312	4324	4206	3526	3419	2466	1680	1010	624	684	538
Fixed Assets	364	332	167	241	148	139	92	62	49	42	46
CWIP	0	0	130	0	47	5	0	2	0	0	1
Investments	3254	2374	2388	1903	1747	1146	631	504	128	73	64
Other Assets	1693	1618	1520	1383	1477	1175	956	443	446	569	427
Total Assets	5312	4324	4206	3526	3419	2466	1680	1010	624	684	538

Delivery

#	Date	110 44% 158	Value (Cr)	Q/T 99	Del 40	Del 10
1	27-May	134	8	99	34	3
2	26-May	128	4	79	53	2
3	25-May	125	2	72	51	1
4	22-May	125	4	100	36	2
5	21-May	121	3	92	46	1
6	20-May	121	2	75	38	1
7	19-May	123	3	49	46	1
8	18-May	118	4	48	51	2
9	15-May	119	3	65	45	1
10	14-May	123	4	104	55	2
11	13-May	125	2	83	59	1
12	12-May	126	3	60	39	1
13	11-May	130	3	75	46	1
14	8-May	132	3	63	52	2
15	7-May	136	5	76	43	2
16	6-May	132	4	86	52	2
17	5-May	130	3	58	40	1
18	4-May	127	3	66	33	1
19	30-Apr	126	13	114	30	4
20	29-Apr	134	7	89	32	2
21	28-Apr	133	6	67	43	2
22	27-Apr	138	7	82	45	3
23	24-Apr	131	6	67	45	3
24	23-Apr	136	4	86	40	2
25	22-Apr	139	5	58	36	2
26	21-Apr	137	6	77	38	2
27	20-Apr	138	5	69	46	3
28	17-Apr	142	5	85	43	2
29	16-Apr	140	10	107	31	3
30	15-Apr	135	5	79	33	2
31	13-Apr	133	6	88	29	2
32	10-Apr	135	6	86	34	2
33	9-Apr	134	9	102	35	3
34	8-Apr	136	16	132	44	7
35	7-Apr	126	19	100	21	4
36	6-Apr	124	9	81	25	2
37	2-Apr	122	12	95	36	4
38	1-Apr	125	10	86	34	3
39	30-Mar	118	26	95	32	8
40	27-Mar	127	59	135	25	15
41	25-Mar	124	52	151	27	14
42	24-Mar	112	76	121	26	19
43	23-Mar	141	20	102	36	7
44	20-Mar	151	11	77	35	4

Daily Market Cap

Date	Total Market Cap	Change	Chg %
28-May	1,115c	6c	0.56
27-May	1,109c	27c	2.50
26-May	1,082c	42c	4.01
25-May	1,040c	26c	2.60
22-May	1,014c	4c	0.37
21-May	1,010c	2c	0.22
20-May	1,008c	14c	1.34
19-May	1,022c	64c	6.73
18-May	957c	39c	3.95
15-May	997c	26c	2.56
14-May	1,023c	21c	1.99
13-May	1,044c	10c	0.95
12-May	1,054c	28c	2.62
11-May	1,082c	51c	4.48
07-May	1,133c	43c	3.90
06-May	1,090c	5c	0.49
05-May	1,085c	25c	2.37
04-May	1,060c	11c	1.06
30-Apr	1,049c	73c	6.52
29-Apr	1,122c	7c	0.66
28-Apr	1,114c	35c	3.21
24-Apr	1,080c	72c	6.22
23-Apr	1,151c	10c	0.83
22-Apr	1,161c	15c	1.31
21-Apr	1,146c	42c	3.50
17-Apr	1,188c	52c	4.53
15-Apr	1,136c	0	0

Stock Checklist

Price is below from 52 week high low average: 79%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

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