Fino Payments Bank Limited

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

169 2(-1%)

Volume

4L as on 23, Jun

Open

324

High

328

Low

322

171

VWAP

153

52 Week High

339

52 Week Low

110

Viand Research Rating

Quality Score

0/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,410

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 Week11%

1 Month21%

3 Months8%

6 Months15%

1 Year15%

YTD15%

Moving Average

5 Day SMA152

10 Day SMA143

20 Day SMA137

30 Day SMA132

50 Day SMA133

61 Day SMA132

80 Day SMA376

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	165	157	161	166
Resistance 2	161	157	159	162
Resistance 1	158	156	157	159
Pivot Point	155	155	155	155
Support 1	152	155	152	153
Support 2	148	154	151	149
Support 3	145	154	148	146

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
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
Sales Growth % (YoY)	21.4%	27.6%	25.9%	34.6%	27.5%	26%	30.7%	37.5%	40.8%	54.9%	70.2%	76%	131.3%	157.3%	204.8%	209.1%	113.6%	95.2%	-	-
Sales Growth % (QoQ)	1.8%	4.7%	-1.4%	15.6%	7%	3.4%	5.3%	9.5%	5.7%	7.2%	10.8%	12.1%	17.6%	19%	10.5%	46.2%	30%	42.9%	16.7%	-
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
Net Profit Growth % (QoQ)	-42%	-20.2%	-13.6%	-26%	3.9%	9.3%	-12.9%	-3.7%	10.6%	16.8%	4.4%	-15.3%	16.2%	35.7%	40%	-44.4%	28.6%	75%	166.7%	-
Net Profit Growth % (YoY)	-70.4%	-47%	-27.4%	-26.8%	-4.8%	1.4%	8.4%	29.8%	14.2%	20%	39.4%	87%	22.7%	35.7%	75%	233.3%	-	-	-	-
TTM Net Profit	52.46	69.36	80.22	86.02	92.53	93.74	93.43	91.8	86.23	83.1	79.3	73.78	65.08	61	56	50	43	25	11	0
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
Sales Growth %	27.1%	30.1%	58.2%	166.2%	76%	11.7%	-5.3%	23.6%	-
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
Net Profit Growth %	-44.1%	8.1%	32.3%	51.2%	115%	162.5%	48.4%	7.5%	-
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	113 67% 189	Value (Cr)	Q/T 124	Del 34	Del 25
1	22-Jul	171	24	117	16	4
2	21-Jul	173	85	120	9	8
3	20-Jul	168	88	141	11	10
4	17-Jul	174	1025	186	3	27
5	16-Jul	158	37	110	23	9
6	15-Jul	171	276	157	7	20
7	14-Jul	176	910	180	5	49
8	13-Jul	161	454	201	7	31
9	10-Jul	135	3	62	66	2
10	9-Jul	135	3	72	41	1
11	8-Jul	131	5	129	55	3
12	7-Jul	135	3	64	41	1
13	6-Jul	135	4	73	43	2
14	3-Jul	137	4	84	58	2
15	2-Jul	139	6	48	46	3
16	1-Jul	139	6	95	62	4
17	30-Jun	143	2	54	51	1
18	29-Jun	146	2	59	42	1
19	25-Jun	147	4	62	43	2
20	24-Jun	150	4	73	32	1
21	23-Jun	152	6	72	39	2
22	22-Jun	155	8	84	38	3
23	19-Jun	156	13	84	26	3
24	18-Jun	157	164	138	9	15
25	17-Jun	140	2	83	51	1
26	16-Jun	136	3	76	44	2
27	15-Jun	138	3	73	48	1
28	12-Jun	136	3	63	40	1
29	11-Jun	131	2	50	35	1
30	10-Jun	133	5	70	43	2
31	9-Jun	140	55	121	11	6
32	8-Jun	128	2	68	50	1
33	5-Jun	133	17	93	23	4
34	4-Jun	128	1	68	55	1
35	3-Jun	129	5	94	38	2
36	2-Jun	131	3	77	42	1
37	1-Jun	127	2	72	48	1
38	29-May	128	5	73	48	2
39	27-May	134	8	99	34	3
40	26-May	128	4	79	53	2
41	25-May	125	2	72	51	1
42	22-May	125	4	100	36	2
43	21-May	121	3	92	46	1
44	20-May	121	2	75	38	1
45	19-May	123	3	49	46	1
46	18-May	118	4	48	51	2
47	15-May	119	3	65	45	1
48	14-May	123	4	104	55	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	1,410c	1c	0.08
22-Jul	1,409c	20c	1.37
21-Jul	1,429c	49c	3.33
17-Jul	1,478c	159c	12.06
16-Jul	1,319c	93c	6.61
15-Jul	1,412c	113c	7.40
14-Jul	1,525c	192c	14.39
13-Jul	1,333c	211c	18.79
10-Jul	1,123c	92L	0.08
09-Jul	1,123c	25c	2.28
08-Jul	1,098c	25c	2.20
07-Jul	1,123c	33L	0.03
06-Jul	1,123c	42c	3.58
02-Jul	1,165c	32c	2.70
30-Jun	1,198c	15c	1.22
29-Jun	1,212c	11c	0.90
26-Jun	1,223c	2c	0.13
25-Jun	1,225c	19c	1.53
24-Jun	1,244c	5c	0.42
23-Jun	1,249c	39c	3.03
22-Jun	1,288c	13c	0.96
19-Jun	1,301c	130c	11.06
17-Jun	1,171c	31c	2.73
16-Jun	1,140c	3c	0.25
15-Jun	1,143c	14c	1.25
12-Jun	1,129c	26c	2.37
11-Jun	1,103c	27c	2.39
10-Jun	1,130c	0	0

Stock Checklist

Price is below from 52 week high low average: 48%

Stock is trading above all short term SMAs: YES

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

Mutual Fund Holdings

Held by 2 fund scheme(s) across 1 fund house(s) as of Jul26 · Total value ₹0 Cr · 0 increasing / 0 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Motilal Oswal Mutual Fund	2	0.00%	-	0

Fino Payments Bank Limited

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