FINO Payments Bank Ltd. (IN:FINOPB)
:FINOPB
Want to see IN:FINOPB full AI Analyst Report?
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₹110.10 - ₹339.00
Previous CloseN/A
Volume49.56K
Average Volume (3M)22.57K
Market Cap
₹10.48B
Enterprise Value₹7.86B
Total Cash (Recent Filing)₹11.98B
Total Debt (Recent Filing)₹8.65B
Price to Earnings (P/E)44.5
Beta1.67
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)6.20
Shares Outstanding83,218,400
10 Day Avg. Volume41,854
30 Day Avg. Volume22,575
Financial Highlights & Ratios
PEG Ratio-2.68
Price to Book (P/B)2.85
Price to Sales (P/S)5.59
P/FCF Ratio-26.74
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)13
Revenue Forecast (FY)₹19.30B
Bulls Say, Bears Say
Bulls Say
Underserved Market Focus & Branchless NetworkServing underserved and mass-market customers via a technology platform plus a large assisted branchless agent network creates durable structural reach. This business model drives recurring transaction flows and scaleable distribution, supporting long-term fee income and market penetration.
Sharp FY2026 Revenue AccelerationA ~114% jump in annual revenue demonstrates substantive top-line momentum that can underpin long-term scale benefits: higher transaction volumes improve platform economics, broaden deposit/take-up potential, and create optionality to expand distribution and partner monetization.
Positive Reported Profitability In FY2026Maintaining positive net income while scaling indicates the core model can be profitable. This suggests the firm can convert some growth into earnings, providing operational resilience and a foundation for reinvestment or deleveraging over multiple quarters.
Bears Say
Rising Leverage And Larger Balance SheetDebt roughly doubled year-over-year, increasing financial leverage and reducing flexibility. Elevated leverage limits ability to absorb shocks, raises refinancing risk if funding conditions tighten, and constrains capital allocation choices over the coming 2–6 months.
Volatile Cash Generation; Minimal FCFVery low and highly inconsistent free cash flow despite revenue growth undermines sustainability: it reduces internal funding for operations, debt service, and investment, forcing reliance on external financing or slower reinvestment and increasing execution risk.
Weakened Earnings QualityEarnings falling while revenue jumps implies margin compression, higher operating or funding costs, or non-recurring items. This weakens confidence that top-line growth will translate into durable profit expansion and complicates forward margin forecasting.
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 ₹110.10 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 ₹10.48B.
When is FINO Payments Bank Ltd.’s upcoming earnings report date?
FINO Payments Bank Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 83 days.
How were FINO Payments Bank Ltd.’s earnings last quarter?
FINO Payments Bank Ltd. released its earnings results on Apr 29, 2026. The company reported ₹6.2 earnings per share for the quarter, the consensus estimate of ₹6.2 by ₹0.
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 ₹6.2 in its last earnings report, expectations of ₹6.2. Following the earnings report the stock price went up 0.299%.
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
DEN Networks Limited
―
GTPL Hathway Ltd
―
Hathway Cable & Datacom Ltd.
―
―
One Mobikwik Systems Limited
―