Company File · BSE 543386 · Latest filing Q1 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
Fino Payments Bank Limited
Data as of 19 Oct 2026 close · BSE · Latest results Q1 FY27
ISIN INE02NC01014 · FINOPB · Financial Services › Banks
Price & valuation · BSE close, 19 Oct 2026
Below its usual level
Book value ₹97 a share
- NII growth
- +13.1%
- Profit
- Turned to loss
- Price/book
- 1.35×
- Usual P/B
- 1.6×
- ROA
- −1.14%
- ROE
- −6.9%
- CET1
- 73.46%
- Promoter
- 75.00%
- Pledged
- 0.00%
Earnings callsNo earnings-call transcript from Fino Payments Bank in our data yet. When it files one on BSE, the call notes appear here within a few hours. See its call page
Is it expensive, and is it a good business?
Key ratios
In short Priced below its own usual level (P/B 1.35× vs 1.6×) & earns about -6.9% a year on shareholders' money (ROE, an estimate).
What you pay Valuation
The share price is 1.4 times the accounting value of each share. Below its 1-year median of 1.6×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹97 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
The company paid no dividend in the last 12 months.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, bad loans & returns
NII was 13.1% higher than in Q1 FY26.
Latest quarter's net interest income (interest earned less interest expended) vs the same quarter a year earlier. As of 30th June 2026.
Profit turned into a loss, so a growth rate would mislead.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 30th June 2026.
Not in the results we hold for Q1 FY27.
Gross NPA % as the bank reports it with its results, at the end of the quarter. As of 30th June 2026.
Not in the results we hold for Q1 FY27.
Net NPA % as the bank reports it with its results, at the end of the quarter. As of 30th June 2026.
Each ₹100 of its assets earned about ₹-1.14 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
Each ₹100 of shareholders' money earned about ₹-6.9 in a year, on Q1 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th June 2026.
Its core capital was 73.46% of its risk-weighted assets at the end of Q1 FY27.
Common equity tier 1 capital ÷ risk-weighted assets, as the bank reports it with its results. As of 30th June 2026.
Who owns it Ownership & more
The founders or parent group own 75.00% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th June 2026.
Promoter holding did not change over the last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th June 2026.
Promoter holding, quarter by quarter
- Jun 202675.00%
- Mar 202675.00%
- Dec 202575.00%
- Sep 202575.00%
Promoters reported no pledged shares.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th June 2026.
Pledged, quarter by quarter
- Jun 20260.00%
- Mar 20260.00%
- Dec 20250.00%
- Sep 20250.00%
Each share has a face (nominal) value of ₹10. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 8.32 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹1,090 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹1,274 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
Over the last four quarters the group earned ₹21 crore after tax; ₹21 crore of that belongs to the company's own shareholders, the rest to minority shareholders in its subsidiaries.
Sum of the last four quarters' profit attributable to the company's own shareholders (after minority interests), as reported. As of 30th June 2026.
Each share earned about ₹2.51 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 30th June 2026.
Each share is backed by about ₹97 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
Needs four consecutive quarters.
EBITDA ÷ revenue over the last four quarters. As of 30th June 2026.
It lost about ₹19.0 on every ₹100 of sales last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th June 2026.
Sales were 18.4% higher than a year earlier.
Latest quarter's revenue vs the same quarter last year. As of 30th June 2026.
Profit turned into a loss, so a growth rate would mislead.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th June 2026.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 31st March 2026.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 31st March 2026.
Needs four consecutive quarters.
Inventories ÷ last 12 months' revenue × 365. As of 31st March 2026.
4068.5% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 30th June 2026.
Each ₹1 of profit brought in ₹-5.85 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2026.
Borrowings exceed cash by ₹185 crore.
Cash & bank balances − borrowings. As of 31st March 2026.
The company paid about 27.8% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th June 2026.
Needs four consecutive quarters.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th June 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
Needs a full-year cash-flow statement.
Purchase of property, plant & equipment, latest full year. As of 31st March 2026.
Borrowings stood at ₹1,535 crore.
Current + non-current borrowings. As of 31st March 2026.
Foreign institutions own 0.31%.
Foreign institutional holding from the latest shareholding pattern. As of 30th June 2026.
Domestic institutions own 0.00%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th June 2026.
The highest price in the last year was ₹339.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 21st October 2025.
The lowest price in the last year was ₹110.1.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 25th March 2026.
The share price moved -60.4% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 0% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th June 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 8.32 crore, from paid-up capital in the 19th October 2026 filing. Figures are standalone.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. Gross & net NPA are bad loans as a share of all loans: lower is better. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. CET1 is the bank's core capital: more of it means more room to lend.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 4 quarters ₹ crore · Standalone
| ₹ crore | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|
| Interest earned | 60.1 | 63.0 | 64.1 | 72.2 |
| Net interest income (NII) | 32.5 | 33.6 | 35.2 | 36.9 |
| Operating profit before provisions | 21.2 | 20.6 | 5.4 | -13.7 |
| Provisions | 0.0 | 0.0 | 0.0 | 0.0 |
| One-off items | – | −3.1 | −1.3 | – |
| Profit after tax | 15.4 | 12.3 | 7.1 | -13.7 |
| Profit after tax without one-offs | 15.4 | 14.6 | 8.1 | -13.7 |
| Gross NPA (% of loans) | – | – | – | – |
| Basic EPS (₹) | 1.84 | 1.47 | 0.85 | -1.65 |
One-off items: exceptional items reported separately in the filing. Profit without one-offs takes them out after tax at 25%.
Latest filings BSE
Corporate announcements 12
- 14 Oct 2026Revision In ESG Rating/Score By ESG Risk Assessments & Insights Limited
- 7 Oct 2026Business Performance Update - September 2026
- 1 Oct 2026Change in Management
Quarterly results 0
None in the filings we hold.
Conference calls 0
None in the filings we hold.
Investor presentations 0
None in the filings we hold.
Members see every filing, and what each means for the company in Corporate Intelligence.
The full Company File
- Price, P/E, P/B & returns charts
- Growth vs last year, explained
- Bank numbers, each with its last 8 quarters
- Accounts checks
- Who owns it
- 8 quarters, balance sheet & cash flow
- Every BSE filing, in four panels
- Excel & CSV downloads
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