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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

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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 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.00 0.58 0.51 2.35K
Quick Ratio
 0.00 0.00 0.58 0.51 4.71K
Cash Ratio
 0.00 0.00 0.57 0.50 2.31K
Solvency Ratio
 0.01 0.03 0.04 0.05 0.06
Operating Cash Flow Ratio
 0.00 0.00 -0.23 0.08 -55.66
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -0.54 0.23 -0.05
Net Current Asset Value
₹ -31.56B₹ -31.56B₹ -23.25B₹ -16.93B₹ -10.66B
Leverage Ratios
Debt-to-Assets Ratio
 0.29 0.29 0.20 0.21 0.18
Debt-to-Equity Ratio
 1.91 1.91 1.12 1.11 0.79
Debt-to-Capital Ratio
 0.66 0.66 0.53 0.53 0.44
Long-Term Debt-to-Capital Ratio
 0.66 0.66 0.00 0.00 0.00
Financial Leverage Ratio
 6.60 6.60 5.63 5.32 4.46
Debt Service Coverage Ratio
 0.64 1.13 0.16 0.18 0.22
Interest Coverage Ratio
 0.81 0.59 1.08 1.09 1.37
Debt to Market Cap
 1.45 1.56 0.42 0.29 0.26
Interest Debt Per Share
 194.18 198.10 112.57 95.11 57.85
Net Debt to EBITDA
 2.62 1.29 -1.55 -2.53 -3.74
Profitability Margins
Gross Profit Margin
69.18%92.76%87.07%87.57%90.42%
EBIT Margin
4.46%4.27%13.93%13.60%13.16%
EBITDA Margin
4.46%9.09%21.91%22.02%21.63%
Operating Profit Margin
4.46%4.27%13.93%13.60%13.16%
Pretax Profit Margin
4.27%4.27%13.93%13.60%13.16%
Net Profit Margin
3.32%3.32%11.89%13.59%13.16%
Continuous Operations Profit Margin
3.32%3.32%11.89%13.59%13.16%
Net Income Per EBT
77.83%77.82%85.40%99.91%100.00%
EBT Per EBIT
95.60%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.99%0.99%2.20%2.52%2.64%
Return on Equity (ROE)
6.80%6.52%12.39%13.41%11.78%
Return on Capital Employed (ROCE)
1.33%1.27%4.78%6.67%2.64%
Return on Invested Capital (ROIC)
1.03%0.99%2.98%3.69%4.56%
Return on Tangible Assets
0.99%0.99%2.20%2.52%2.64%
Earnings Yield
4.95%5.33%4.68%3.54%3.83%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 35.91 93.17 91.68
Payables Turnover
 0.00 0.00 84.26 86.25 131.18
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.06
Fixed Asset Turnover
 4.34 4.34 2.61 3.25 3.41
Asset Turnover
 0.30 0.30 0.19 0.19 0.20
Working Capital Turnover Ratio
 1.24 5.79 -0.84 -6.51 0.61
Cash Conversion Cycle
 0.00 0.00 5.83 -0.31 -6.58K
Days of Sales Outstanding
 0.00 0.00 10.16 3.92 3.98
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -6.58K
Days of Payables Outstanding
 0.00 0.00 4.33 4.23 2.78
Operating Cycle
 0.00 0.00 10.16 3.92 -6.57K
Cash Flow Ratios
Operating Cash Flow Per Share
 -1.68 17.25 -53.97 19.45 -2.42
Free Cash Flow Per Share
 -10.02 0.11 -73.67 6.98 -13.75
CapEx Per Share
 8.34 17.14 19.70 12.47 11.34
Free Cash Flow to Operating Cash Flow
 5.97 <0.01 1.37 0.36 5.69
Dividend Paid and CapEx Coverage Ratio
 -0.20 1.01 -2.74 1.56 -0.21
Capital Expenditure Coverage Ratio
 -0.20 1.01 -2.74 1.56 -0.21
Operating Cash Flow Coverage Ratio
 >-0.01 0.09 -0.54 0.23 -0.05
Operating Cash Flow to Sales Ratio
 >-0.01 0.09 -0.58 0.26 -0.04
Free Cash Flow Yield
-7.93%0.09%-31.11%2.38%-6.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 20.19 18.75 21.37 28.26 26.11
Price-to-Sales (P/S) Ratio
 0.67 0.62 2.54 3.84 3.44
Price-to-Book (P/B) Ratio
 1.32 1.22 2.65 3.79 3.08
Price-to-Free Cash Flow (P/FCF) Ratio
 -12.61 1.08K -3.21 41.96 -14.85
Price-to-Operating Cash Flow Ratio
 -75.60 6.85 -4.39 15.06 -84.56
Price-to-Earnings Growth (PEG) Ratio
 -0.46 -0.43 2.91 0.87 0.56
Price-to-Fair Value
 1.32 1.22 2.65 3.79 3.08
Enterprise Value Multiple
 17.59 8.14 10.04 14.91 12.15
Enterprise Value
 12.40B 11.68B 17.13B 20.84B 13.00B
EV to EBITDA
 17.59 8.14 10.04 14.91 12.15
EV to Sales
 0.79 0.74 2.20 3.28 2.63
EV to Free Cash Flow
 -14.82 1.28K -2.78 35.88 -11.36
EV to Operating Cash Flow
 -88.50 8.13 -3.80 12.88 -64.67
Tangible Book Value Per Share
 96.40 96.70 89.43 77.28 66.40
Shareholders’ Equity Per Share
 96.40 96.70 89.43 77.28 66.40
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.15 <0.01 0.00
Revenue Per Share
 189.05 189.64 93.17 76.24 59.41
Net Income Per Share
 6.28 6.30 11.08 10.36 7.82
Tax Burden
 0.78 0.78 0.85 1.00 1.00
Interest Burden
 0.96 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
 0.07 0.14 0.10 0.09 0.08
Stock-Based Compensation to Revenue
 0.01 0.00 0.02 <0.01 0.02
Income Quality
 -0.14 2.74 -4.87 1.88 -0.31
Currency in INR