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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
₹18.02B
Enterprise Value₹17.73B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)25.5
Beta1.56
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 margins (87.07%) combined with a positive net margin (11.89%) reflect a low-variable-cost, fee-and-interest driven digital model. These margins provide a durable profitability buffer enabling reinvestment in tech and customer growth if revenue stabilizes, supporting long-term viability.
Measured Leverage And Solid ROEA moderate debt-to-equity ratio of 1.12 alongside a 12.39% ROE indicates disciplined use of leverage with effective equity returns. This balanced capital structure supports financial flexibility to fund growth or withstand stress without excessive refinancing risk, strengthening multi-month resilience.
Diversified, Inclusion-focused Business ModelMultiple revenue streams—interest on loans/deposits, transaction and interchange fees, microloans—plus fintech partnerships create durable income diversification. Focus on underserved segments and digital delivery offers structural demand, scalable distribution, and lower branch cost exposure over time.
Bears Say
Sharp Revenue DeclineA 55.66% year decline in revenue is a substantial structural concern: loss of scale undermines coverage of fixed costs, weakens pricing power and unit economics, and limits reinvestment. If not reversed, sustained top-line contraction will erode the bank’s operational and growth capacity over months.
Weak Cash GenerationNegative operating and free cash flow indicate earnings are not converting into liquidity. Persistent cash shortfalls constrain lending capacity, force reliance on external funding, and raise refinancing risk. This reduces ability to invest in tech, expand services, or absorb economic shocks in the medium term.
Operational Inefficiencies Compressing MarginsThe gap between very high gross margin and lower EBIT/EBITDA margins points to elevated operating costs or inefficiencies. Structural overhead or distribution expenses can compress profitability as revenue weakens, requiring sustained cost discipline or business model changes to restore scalable earnings.
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 ₹18.02B.
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 71 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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