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FINO PAYMENTS BANK
Intrinsic Value | Fundamental Analysis

BOM : 543386     NSE : FINOPB    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : Low
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : NA
Apr 12,2024
Price(EOD): ₹ 286.70
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 2,385.34 Cr
Value of ₹ 1 Lac invested in FINO PAYMENTS BANK
on Nov 12,2021 (price: ₹ 545.25)

₹ 1 L

₹ 0.53 L

1W : 0.6% 1M : -10.6% 1Y : 44.4%
COMMUNITY POLL
for FINO PAYMENTS BANK
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FINO PAYMENTS BANK is part of below Screeners ↓
Best Quarterly Growth Small Cap Stocks
Industry Peers & Returns1W1M1Y
FINO PAYMENTS BANK 0.6% -10.6% 44.4%
HDFC BANK -1.5% 0.4% -8.6%
ICICI BANK NA 2.2% 27.9%
KOTAK MAHINDRA BANK 0.4% 1.8% 3.9%
AXIS BANK -0.8% -5.2% 20.9%
INDUSIND BANK 5.9% 2.6% 47.7%
IDBI BANK -0.3% -11.8% 73.6%
YES BANK 2.5% -10.3% 56.4%
IDFC FIRST BANK 1.4% -6.2% 40.1%

FUNDAMENTAL ANALYSIS OF FINO PAYMENTS BANK

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF FINO PAYMENTS BANK

 
Valuation Score
[As on : Apr 12,2024 ]

Ratio Standalone
P/E
P/B
P/S
28.71
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 83.10 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

4.4
P/B Calculated based on Book Value of Rs 541.73 Cr
[Latest Year - Mar2023 - Standalone Results ]

17.28
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF FINO PAYMENTS BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
216%
-21%

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SHARE PRICE MOMENTUM OF FINO PAYMENTS BANK



FINO PAYMENTS BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Standalone
2023
2022
2021
Avg_3yrs
0
0
0
-

PLEDGED PROMOTER SHARES OF FINO PAYMENTS BANK

Pledged Promoter Shares
NA

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF FINO PAYMENTS BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
7.17%
13.55%
16.8%
16.8%
54.93%
19.37%
19.37%
19.37%
QtrlyTrend
8
Latest Qtr: Dec2023
Quarterly Result Analysis →


FINO PAYMENTS BANK related INDICES

BSE Indices1W1M1Y
S&P BSE FINANCE 0.7% 2.3% 28.3%
S&P BSE MIDSMALLCAP 0.4% 2.7% 66.6%
S&P BSE ALLCAP 0.3% 1.5% 41.5%
S&P BSE SMALL CAP 0.2% 2.7% 65.5%
No NSE index found

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FAQ about FINO PAYMENTS BANK


Is FINO PAYMENTS BANK good for long term investment?

As on Apr 12,2024, the Fundamentals of FINO PAYMENTS BANK look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of FINO PAYMENTS BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is FINO PAYMENTS BANK UnderValued or OverValued?

As on Apr 12,2024, FINO PAYMENTS BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of FINO PAYMENTS BANK ?

As on Apr 12,2024, the Intrinsic Value of FINO PAYMENTS BANK is Rs. 226.62 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -14.71
Fair Value [Median EV / Sales Model] : Rs. 90.87
Fair Value [Median Price / Sales Model] : Rs. 362.38
Estimated Median Fair Value of FINO PAYMENTS BANK : Rs. 226.62

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is FINO PAYMENTS BANK trading at a Premium or Discount?

As on Apr 12,2024, FINO PAYMENTS BANK is trading at a Premium of 27% based on the estimates of Median Intrinsic Value!