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
₹10.34B
Enterprise Value₹12.26B
Total Cash (Recent Filing)₹11.98B
Total Debt (Recent Filing)₹8.65B
Price to Earnings (P/E)34.7
Beta1.74
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 strong FY2026 revenue acceleration (≈114% y/y) signals durable expansion in transaction volume and customer activity across its payments network. Sustained top-line momentum supports scale economics for fee income and distribution revenue, strengthening long-term growth potential.
Large Branchless/agent NetworkFINO's assisted branchless banking and business correspondent model provides durable market access to underserved segments, lowering acquisition costs and creating sticky transaction flows. That structural distribution advantage supports persistent fee and distribution income over time.
Scale-up In Asset BaseA five-fold expansion in assets to ≈53.1B shows successful deposit and balance-sheet scaling, enabling larger treasury income and transaction capacity. Greater scale can improve operating leverage for processing and distribution, aiding durable margin improvement if managed prudently.
Bears Say
Rising LeverageMaterial increase in debt raises refinancing and funding risks for a payments bank with regulated deposit deployment. Higher leverage limits financial flexibility for investing in the agent network or absorbing shocks, increasing vulnerability if margins or cash flows weaken.
Volatile, Weak Cash GenerationHighly inconsistent operating cash flow and negligible FCF in FY2026 undermine the firm's ability to self-fund growth, service debt, or build reserves. Durable expansion requires conversion of revenue into reliable cash, which remains a structural weakness for capital allocation.
Weakened Earnings QualityEarnings deteriorated even as revenue surged, indicating margin compression, higher operating costs, or lower treasury spreads. Persistent weakness in earnings quality threatens sustainable profitability and could limit the bank's ability to fund investment or absorb adverse funding conditions.
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 ₹10.34B.
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 60 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
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