Fino Payments Bank Ltd

543386

Summary

Fair Value Assessment
Fairly Valued
Fair ValueQ224.35UncertaintyHigh
Close Price222.60Mar 13, 2025
Market Closed
222.60
Price Down by 8.45 | 3.66 %
Previous Close
222.60
Day Range
220.70 – 232.70
Year Range
200.05 – 466.40
Bid / Ask
Market Cap
18.5 Bil
Volume / Average
8.7 k / 12.1 k
Beta (3-Year)
0.96
Shares Outstanding
83.22 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Fino Payments Bank Ltd is a fintech company offering a diverse range of financial products and services that are digital and have a payments focus. It offers such products and services to the target market through a pan-India distribution network and proprietary technologies. The business of the Bank has been segregated into four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations.
Contact
TTC Industrial Area, Mindspace Juinagar Plot No Gen 2/1/F, Tower 1, 8 th Floor, Navi Mumbai, MH 400 706
T +91 2271047000
www.finobank.com opens in a new tab
Sector
Financial Services
Industry
Banks - Regional
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
2,682

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
12.79 5.56 4.47 3.78 3.18 2.43
Revenue Growth %
25.25% 24.29% 18.20% 18.82% 30.90% 28.12%
Net Income
0.94 0.86 0.65 0.43 0.20 -0.32
Net Profit Margin %
7.33% 15.52% 14.56% 11.30% 6.43% -13.17%
Basic EPS
11.26 10.36 7.82 5.34 2.62 -4.11
Diluted EPS
11.23 10.36 7.82 5.34 2.62 -4.11
Normalized EPS
11.83 10.70 8.42 5.55
Total Dividends per Share
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
35.26 34.19 24.66 16.80 10.10 6.24
Total Liabilities
28.35 27.76 19.14 12.00 8.60 4.94
Total Debt
22.33 21.25 13.51 7.50 4.24 2.28
Total Equity
6.91 6.43 5.53 4.80 1.51 1.30
Cash And Cash Equivalents
9.02 10.66 8.34 7.66 2.71 3.02
Shares Outstanding (Bil)
0.08 0.08 0.08
Book Value Per Share
75.46 65.10 57.28
Total Debt To Equity
3.23 3.30 2.45 1.56 2.81 1.76
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
5.00 0.57 -0.20 2.07 -0.32 -0.84
Cash From Investing Activities
-1.29 -1.04 -0.97 -0.64 -0.69 -0.31
Cash From Financing Activities
-2.27 2.79 1.84 3.52 0.70 0.28
Free Cash Flow
0.43 0.27 0.14 0.22 -0.29
Change in Cash
1.45 2.32 0.68 4.95 -0.31 -0.86

Profile

There is no Key Executive Team data available.
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
Motilal Oswal Focused Reg Gr 1.92 2.71 1,596,385
-157,495
8.98%
Feb 28, 2025
Motilal Oswal Bal Advtg Reg Gr 1.61 3.33 1,337,815
-824,251
38.12%
Feb 28, 2025
Fidelity India Focus A-USD 1.51 0.15 1,255,444
-524
0.04%
Jan 31, 2025
Tata Banking & Financial Svcs Reg Gr 0.83 0.67 693,000
150,000
27.62%
Feb 28, 2025
NEF Pacific Equity I Acc 0.37 0.50 307,539
-44,641
12.68%
Jun 30, 2024
Total (for Top 5) 6.24 5,190,183
-876,911

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