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₹110.10 - ₹339.00
Previous CloseN/A
Volume49.56K
Average Volume (3M)22.57K
Market Cap
₹10.51B
Enterprise Value₹7.99B
Total Cash (Recent Filing)₹11.98B
Total Debt (Recent Filing)₹8.65B
Price to Earnings (P/E)44.5
Beta1.58
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)11.9
Revenue Forecast (FY)₹19.30B
Bulls Say, Bears Say
Bulls Say
High Gross MarginAn 87% gross margin reflects a low variable-cost, platform-driven payments model. This structural margin cushion supports long-term profitability as volumes scale, allowing the bank to absorb operating investments and pricing pressure while preserving core earnings from transactions and distribution.
Solid Return On Equity And ProfitabilityDouble-digit net margin and ROE indicate the business can convert revenue into shareholder returns efficiently. Over months, this capacity improves resilience to shocks, supports reinvestment in technology/distribution, and suggests management can generate profit from limited equity base.
Distribution-led Business ModelA large agent/branchless network targeting underserved customers is a durable competitive advantage in India. It creates sticky transaction flows, a scalable low-cost distribution channel and opportunities to expand deposits, fee income and third-party distribution over the medium term.
Bears Say
Sharp Revenue DeclineA >50% fall in revenue undermines the fee-based economics central to a payments bank. Persisting declines reduce scale benefits, weaken negotiating leverage with partners, and erode the base needed to fund fixed platform costs, threatening sustainable profitability.
Weak Cash GenerationNegative operating and free cash flow signal liquidity stress and weaken the firm's ability to self-finance growth or absorb volatility. Over months this raises reliance on external funding, increases refinancing risk given modest leverage, and constrains tech/distribution investments.
Regulatory Limits On Treasury IncomePayments-bank rules that force deposits into low-yield, safe instruments cap net interest income upside. Structurally this limits a reliable earnings lever, making the bank more dependent on transaction volumes and distribution fees to grow revenue and margins.
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 ₹10.51B.
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 26 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
DEN Networks Limited
―
GTPL Hathway Ltd
―
Hathway Cable & Datacom Ltd.
―
―
One Mobikwik Systems Limited
―