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FINO Payments Bank Ltd. (IN:FINOPB)
:FINOPB
FINOPB Stock Chart & Stats
₹250.30
-₹7.10(-2.19%)
At close: 4:00 PM EST
₹250.30
-₹7.10(-2.19%)
Day’s Range― - ―
52-Week Range₹180.50 - ₹339.00
Previous CloseN/A
Volume49.56K
Average Volume (3M)22.57K
Market Cap
₹18.15B
Enterprise Value₹18.18B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)26.2
Beta1.55
Next Earnings
May 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.47
Shares Outstanding83,218,400
10 Day Avg. Volume41,854
30 Day Avg. Volume22,575
Financial Highlights & Ratios
PEG Ratio2.91
Price to Book (P/B)2.65
Price to Sales (P/S)2.54
P/FCF Ratio-3.21
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Gross And Net MarginsVery high gross margin indicates a low direct-cost business model (typical of digital banking/payments), while a positive net margin shows the firm can convert revenue into profit. These margins provide durable profit buffer to invest in growth and absorb credit or pricing shocks.
Balanced Capital Structure And ROEModerate leverage with a ~1.12 debt/equity and ROE above 12% suggests the bank is using debt effectively without overextending. This capital mix supports lending and growth while preserving financial flexibility and limits dilution risk from equity raises over the medium term.
Financial-inclusion Focused Business ModelTargeting underserved customers and digital payments taps into a large structural market opportunity in India. Durable demand for basic banking, payments, and microloans supports recurring fee and interest income and allows scalable customer acquisition via partnerships and digital channels.
Bears Say
Steep Revenue DeclineA >50% year decline in reported revenue is a material structural issue that reduces scale economics, limits capacity to fund growth, and raises questions about product demand or churn. Sustained top-line shrinkage undermines long-term profitability and strategic flexibility.
Negative Operating Cash FlowNegative operating cash flow signals weak cash generation from core activities, forcing reliance on external funding or balance-sheet moves. Over months this elevates liquidity and refinancing risk and constrains investments, even if accounting profits appear acceptable.
Operational InefficienciesRelatively modest EBIT/EBITDA margins given the high gross margins imply elevated operating costs or underutilized scale. If management cannot improve cost structure or restore revenue, persistent inefficiencies will erode returns and competitiveness over the medium term.
FINO Payments Bank Ltd. News
FINOPB FAQ
What was FINO Payments Bank Ltd.’s price range in the past 12 months?
FINO Payments Bank Ltd. lowest stock price was ₹180.50 and its highest was ₹339.00 in the past 12 months.
What is FINO Payments Bank Ltd.’s market cap?
FINO Payments Bank Ltd.’s market cap is ₹18.15B.
When is FINO Payments Bank Ltd.’s upcoming earnings report date?
FINO Payments Bank Ltd.’s upcoming earnings report date is May 05, 2026 which is in 78 days.
How were FINO Payments Bank Ltd.’s earnings last quarter?
FINO Payments Bank Ltd. released its earnings results on Jan 29, 2026. The company reported ₹1.472 earnings per share for the quarter, beating the consensus estimate of N/A by ₹1.472.
Is FINO Payments Bank Ltd. overvalued?
According to Wall Street analysts FINO Payments Bank Ltd.’s price is currently Overvalued.
Does FINO Payments Bank Ltd. pay dividends?
FINO Payments Bank Ltd. does not currently pay dividends.
What is FINO Payments Bank Ltd.’s EPS estimate?
FINO Payments Bank Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does FINO Payments Bank Ltd. have?
FINO Payments Bank Ltd. has 83,218,400 shares outstanding.
What happened to FINO Payments Bank Ltd.’s price movement after its last earnings report?
FINO Payments Bank Ltd. reported an EPS of ₹1.472 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.381%.
Which hedge fund is a major shareholder of FINO Payments Bank Ltd.?
Currently, no hedge funds are holding shares in IN:FINOPB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
FINO Payments Bank Ltd.
FINO Payments Bank Limited provides various types of financial services in India. The company offers savings accounts, current accounts, sweep account facility, debit and prepaid cards, and loan referral services. It also provides recharge, bill payment, remittance, and money transfer services; payment systems; mobile banking services; FASTag products; unified payments interface facility; and cash bazar, AADHAAR seeding and micro ATM services. In addition, the company offers health, life, and two wheeler insurance products; and third party financial products distribution and business correspondent banking services. It has 724671 banking outlets, 54 Bank Branches, and 130 Customer Service Points. The company was formerly known as Fino Fintech Limited. The company was incorporated in 2007 and is based in Navi Mumbai, India. FINO Payments Bank Limited operates as a subsidiary of FINO PayTech Limited.
Technical Analysis
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