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FINO Payments Bank Ltd. (IN:FINOPB)
:FINOPB
India Market
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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 Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:FINOPB's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
0.00 0.53 1.71K 15.91K 15.91K
Quick Ratio
0.00 0.53 4.08K 38.59K 38.59K
Cash Ratio
0.00 0.75 2.31K 22.08K 22.08K
Solvency Ratio
0.01 0.05 0.06 0.07 0.07
Operating Cash Flow Ratio
0.00 0.11 -55.66 5.98K 5.98K
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -34.59B₹ -20.26B₹ -12.95B₹ -6.48B₹ -6.48B
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.21 0.18 0.15 0.15
Debt-to-Equity Ratio
0.00 1.11 0.79 0.52 0.52
Debt-to-Capital Ratio
0.00 0.53 0.44 0.34 0.34
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
5.63 5.32 4.46 3.50 3.50
Debt Service Coverage Ratio
-3.77 0.00 -0.49 -0.48 -0.48
Interest Coverage Ratio
6.92 1.10 0.49 0.48 0.48
Debt to Market Cap
0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
8.95 95.11 57.85 33.12 33.12
Net Debt to EBITDA
4.16 0.00 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
100.00%266.08%100.00%100.00%100.00%
EBIT Margin
-16.43%-9.62%-3.54%-9.37%-9.37%
EBITDA Margin
-14.77%0.00%0.00%0.00%0.00%
Operating Profit Margin
28.75%15.63%1.96%1.93%1.93%
Pretax Profit Margin
6.03%15.52%5.50%11.30%11.30%
Net Profit Margin
5.15%15.52%5.50%11.30%11.30%
Continuous Operations Profit Margin
5.15%15.52%5.50%11.30%11.30%
Net Income Per EBT
85.40%100.00%100.00%99.99%99.99%
EBT Per EBIT
20.99%99.28%280.19%586.31%586.31%
Return on Assets (ROA)
2.20%2.52%2.64%2.54%2.54%
Return on Equity (ROE)
13.35%13.41%11.78%8.91%8.91%
Return on Capital Employed (ROCE)
12.27%4.33%0.94%0.43%0.43%
Return on Invested Capital (ROIC)
10.48%4.33%1.96%0.94%0.94%
Return on Tangible Assets
2.20%2.52%2.64%2.54%2.54%
Earnings Yield
3.85%3.54%3.83%2.12%2.12%
Efficiency Ratios
Receivables Turnover
0.00 81.59 0.00 0.00 0.00
Payables Turnover
0.00 -1.01K 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
6.03 2.85 8.16 4.08 4.08
Asset Turnover
0.43 0.16 0.48 0.23 0.23
Working Capital Turnover Ratio
0.00 -23.87 2.02 1.02 1.02
Cash Conversion Cycle
0.00 4.84 0.00 0.00 0.00
Days of Sales Outstanding
0.00 4.47 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 -0.36 0.00 0.00 0.00
Operating Cycle
0.00 4.47 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 19.45 -2.42 25.93 25.93
Free Cash Flow Per Share
0.00 -5.65 -13.75 17.88 17.88
CapEx Per Share
0.00 12.47 11.34 8.04 8.04
Free Cash Flow to Operating Cash Flow
0.00 -0.29 5.69 0.69 0.69
Dividend Paid and CapEx Coverage Ratio
0.00 1.56 -0.21 3.22 3.22
Capital Expenditure Coverage Ratio
0.00 1.56 -0.21 3.22 3.22
Operating Cash Flow Coverage Ratio
0.00 0.23 -0.05 0.83 0.83
Operating Cash Flow to Sales Ratio
0.00 0.29 -0.02 0.55 0.55
Free Cash Flow Yield
0.00%-1.93%-6.73%7.11%7.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
26.00 28.26 26.12 47.06 47.06
Price-to-Sales (P/S) Ratio
1.34 4.39 1.44 5.32 5.32
Price-to-Book (P/B) Ratio
3.22 3.79 3.08 4.19 4.19
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -51.85 -14.85 14.06 14.06
Price-to-Operating Cash Flow Ratio
0.00 15.06 -84.56 9.70 9.70
Price-to-Earnings Growth (PEG) Ratio
-20.93 0.87 0.56 2.88 2.88
Price-to-Fair Value
3.22 3.79 3.08 4.19 4.19
Enterprise Value Multiple
-4.90 0.00 0.00 0.00 0.00
Enterprise Value
12.98B 20.84B 13.00B 14.95B 14.95B
EV to EBITDA
-4.90 0.00 0.00 0.00 0.00
EV to Sales
0.72 3.75 1.10 3.95 3.95
EV to Free Cash Flow
0.00 -44.34 -11.36 10.45 10.45
EV to Operating Cash Flow
0.00 12.88 -64.67 7.21 7.21
Tangible Book Value Per Share
89.64 77.28 66.40 59.97 59.97
Shareholders’ Equity Per Share
89.64 77.28 66.40 59.97 59.97
Tax and Other Ratios
Effective Tax Rate
0.15 0.00 0.36 0.17 0.17
Revenue Per Share
215.48 66.76 142.11 47.27 47.27
Net Income Per Share
11.10 10.36 7.82 5.34 5.34
Tax Burden
0.85 1.00 1.00 1.00 1.00
Interest Burden
-0.37 -1.61 -1.55 -1.21 -1.21
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.10 0.03 0.10 0.10
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 1.88 -0.31 4.85 4.85
Currency in INR
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