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FINO Payments Bank Ltd. (IN:FINOPB)
:FINOPB
India Market
FINOPB
FINO Payments Bank Ltd.
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FINO Payments Bank Ltd. (FINOPB) Ratios

3 Followers

FINO Payments Bank Ltd. Ratios

IN:FINOPB's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:FINOPB's free cash flow was decreased by ₹ and operating cash flow was ₹0.05. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 0.00 0.58 0.51 2.35K 22.56K
Quick Ratio
 0.00 0.58 0.51 4.71K 45.24K
Cash Ratio
 0.00 0.57 0.50 2.31K 22.08K
Solvency Ratio
 0.02 0.04 0.05 0.06 0.07
Operating Cash Flow Ratio
 0.00 -0.23 0.08 -55.66 5.98K
Short-Term Operating Cash Flow Coverage
 0.00 -0.54 0.23 -0.05 0.83
Net Current Asset Value
₹ -23.40B₹ -23.25B₹ -16.93B₹ -10.66B₹ -4.17B
Leverage Ratios
Debt-to-Assets Ratio
 0.20 0.20 0.21 0.18 0.15
Debt-to-Equity Ratio
 1.10 1.12 1.11 0.79 0.52
Debt-to-Capital Ratio
 0.52 0.53 0.53 0.44 0.34
Long-Term Debt-to-Capital Ratio
 0.52 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 5.50 5.63 5.32 4.46 3.50
Debt Service Coverage Ratio
 0.86 0.16 0.18 0.22 0.30
Interest Coverage Ratio
 1.15 1.08 1.09 1.37 2.79
Debt to Market Cap
 0.78 0.42 0.29 0.26 0.12
Interest Debt Per Share
 114.05 112.57 95.11 57.85 33.12
Net Debt to EBITDA
 -3.46 -1.55 -2.53 -3.74 -6.61
Profitability Margins
Gross Profit Margin
27.38%87.07%87.57%90.42%96.11%
EBIT Margin
14.43%13.93%13.60%13.16%10.86%
EBITDA Margin
14.43%21.91%22.02%21.63%19.87%
Operating Profit Margin
14.43%13.93%13.60%13.16%10.86%
Pretax Profit Margin
13.96%13.93%13.60%13.16%10.86%
Net Profit Margin
10.41%11.89%13.59%13.16%10.86%
Continuous Operations Profit Margin
10.41%11.89%13.59%13.16%10.86%
Net Income Per EBT
74.58%85.40%99.91%100.00%100.00%
EBT Per EBIT
96.77%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.60%2.20%2.52%2.64%2.54%
Return on Equity (ROE)
9.34%12.39%13.41%11.78%8.91%
Return on Capital Employed (ROCE)
2.22%4.78%6.67%2.64%2.54%
Return on Invested Capital (ROIC)
1.66%2.98%3.69%4.56%3.80%
Return on Tangible Assets
1.60%2.20%2.52%2.64%2.54%
Earnings Yield
6.24%4.68%3.54%3.83%2.12%
Efficiency Ratios
Receivables Turnover
 0.00 35.91 93.17 91.68 91.98
Payables Turnover
 0.00 84.26 86.25 131.18 418.20
Inventory Turnover
 0.00 0.00 0.00 -0.06 -0.02
Fixed Asset Turnover
 2.01 2.61 3.25 3.41 4.24
Asset Turnover
 0.15 0.19 0.19 0.20 0.23
Working Capital Turnover Ratio
 1.11 -0.84 -6.51 0.61 0.81
Cash Conversion Cycle
 0.00 5.83 -0.31 -6.58K -18.77K
Days of Sales Outstanding
 0.00 10.16 3.92 3.98 3.97
Days of Inventory Outstanding
 0.00 0.00 0.00 -6.58K -18.77K
Days of Payables Outstanding
 0.00 4.33 4.23 2.78 0.87
Operating Cycle
 0.00 10.16 3.92 -6.57K -18.76K
Cash Flow Ratios
Operating Cash Flow Per Share
 -1.68 -53.97 19.45 -2.42 25.93
Free Cash Flow Per Share
 -10.06 -73.67 6.98 -13.75 17.88
CapEx Per Share
 8.37 19.70 12.47 11.34 8.04
Free Cash Flow to Operating Cash Flow
 5.97 1.37 0.36 5.69 0.69
Dividend Paid and CapEx Coverage Ratio
 -0.20 -2.74 1.56 -0.21 3.22
Capital Expenditure Coverage Ratio
 -0.20 -2.74 1.56 -0.21 3.22
Operating Cash Flow Coverage Ratio
 -0.02 -0.54 0.23 -0.05 0.83
Operating Cash Flow to Sales Ratio
 -0.02 -0.58 0.26 -0.04 0.53
Free Cash Flow Yield
-7.53%-31.11%2.38%-6.73%7.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 16.02 21.37 28.26 26.11 47.06
Price-to-Sales (P/S) Ratio
 1.67 2.54 3.84 3.44 5.11
Price-to-Book (P/B) Ratio
 1.41 2.65 3.79 3.08 4.19
Price-to-Free Cash Flow (P/FCF) Ratio
 -13.28 -3.21 41.96 -14.85 14.06
Price-to-Operating Cash Flow Ratio
 -79.32 -4.39 15.06 -84.56 9.70
Price-to-Earnings Growth (PEG) Ratio
 -1.18 2.91 0.87 0.56 0.45
Price-to-Fair Value
 1.41 2.65 3.79 3.08 4.19
Enterprise Value Multiple
 8.11 10.04 14.91 12.15 19.12
Enterprise Value
 7.79B 17.13B 20.84B 13.00B 14.95B
EV to EBITDA
 8.11 10.04 14.91 12.15 19.12
EV to Sales
 1.17 2.20 3.28 2.63 3.80
EV to Free Cash Flow
 -9.31 -2.78 35.88 -11.36 10.45
EV to Operating Cash Flow
 -55.60 -3.80 12.88 -64.67 7.21
Tangible Book Value Per Share
 94.48 89.43 77.28 66.40 59.97
Shareholders’ Equity Per Share
 94.48 89.43 77.28 66.40 59.97
Tax and Other Ratios
Effective Tax Rate
 0.25 0.15 <0.01 0.00 0.00
Revenue Per Share
 80.06 93.17 76.24 59.41 49.19
Net Income Per Share
 8.34 11.08 10.36 7.82 5.34
Tax Burden
 0.75 0.85 1.00 1.00 1.00
Interest Burden
 0.97 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.08 0.10 0.09 0.08 0.10
Stock-Based Compensation to Revenue
 0.03 0.02 <0.01 0.02 <0.01
Income Quality
 -0.14 -4.87 1.88 -0.31 4.85
Currency in INR