FINO Payments Bank Ltd. (IN:FINOPB)
:FINOPB
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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
₹12.99B
Enterprise Value₹13.49B
Total Cash (Recent Filing)₹11.98B
Total Debt (Recent Filing)₹8.65B
Price to Earnings (P/E)25.0
Beta1.85
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)9.64
Shares Outstanding83,218,400
10 Day Avg. Volume41,854
30 Day Avg. Volume22,575
Financial Highlights & Ratios
PEG Ratio-0.43
Price to Book (P/B)1.22
Price to Sales (P/S)0.62
P/FCF Ratio1.08K
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
Revenue AccelerationA 114% revenue surge in FY2026 indicates meaningful demand traction and scale-up of transaction volumes. Over 2–6 months this suggests the company can leverage higher volumes to deepen partnerships and invest in platform enhancements, supporting sustainable top-line growth if execution continues.
Hybrid Distribution NetworkA combined technology and last-mile agent network is a durable competitive advantage for financial inclusion markets. It sustains customer reach in underbanked areas, supports recurring transaction flows, and creates high switching costs for partners relying on FINO’s on-ground servicing capability.
Diversified Fee & Treasury IncomeMultiple non-lending revenue streams—transaction fees, interchange, distribution commissions and treasury income—reduce dependence on a single product and provide steady earnings buffers. This diversification supports margin resilience and predictable cash inflows over the medium term.
Bears Say
Volatile Cash GenerationWild swings in operating cash and minimal free cash flow despite revenue growth weaken the durability of reported profits. Over months this undermines funding for growth, raises dependence on external financing, and stresses the ability to convert earnings into reinvestable cash.
Rising LeverageRapidly increased debt and elevated debt-to-equity reduce financial flexibility and amplify refinancing risk. If cash conversion remains uneven, higher leverage can pressure interest costs and constrain capital allocation decisions over the medium term, particularly in tightening funding markets.
Regulatory Constraint On LendingThe prohibition on lending is a structural limit to earning higher net interest margins available to universal banks. This forces reliance on fee and treasury income, capping potential margin expansion and making growth and profitability more sensitive to transaction volumes and interest-rate environments.
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 ₹12.99B.
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 32 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 ₹0.85 earnings per share for the quarter, missing the consensus estimate of ₹6.2 by -₹5.35.
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 ₹0.85 in its last earnings report, missing 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.
Established in 2007 and headquartered in Navi Mumbai, India, Fino Payments Bank Limited, previously known as Fino Fintech Limited, provides a comprehensive range of financial services across India. This subsidiary of FINO PayTech Limited offers core banking solutions such as savings and current accounts, complete with a sweep account facility, as well as debit and prepaid cards. Its extensive service portfolio includes loan referral programs, various payment options like recharge, bill payments, remittances, and money transfers, alongside advanced payment systems such as mobile banking, UPI, and FASTag products. Additionally, the bank facilitates cash bazar, AADHAAR seeding, and micro ATM services. Further expanding its offerings, Fino Payments Bank distributes health, life, and two-wheeler insurance products, and provides third-party financial product distribution and business correspondent banking services. The bank boasts an impressive reach through its network of 724,671 banking outlets, 54 bank branches, and 130 customer service points.
Technical Analysis
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