FINO PAYMENTS BANK Financial Statement Analysis
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The Net Interest Income of FINO PAYMENTS BANK have increased by 33.03% YoY .
The Earnings Per Share (EPS) of FINO PAYMENTS BANK has decreased by -43.35 % YoY. |
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FINO PAYMENTS BANK Last 5 Annual Financial Results
[BOM: 543386|NSE : FINOPB]
| Standalone | Mar2026 | Mar2025 | Mar2024 | Mar2023 | Mar2022 |
|---|---|---|---|---|---|
| Interest Earned | ₹195 Cr | ₹150 Cr | ₹95 Cr | ₹36 Cr | ₹20 Cr |
| Other Income | ₹1,652 Cr | ₹1,328 Cr | ₹1,135 Cr | ₹973 Cr | ₹771 Cr |
| Interest Expended | ₹101 Cr | ₹79 Cr | ₹47 Cr | ₹15 Cr | ₹9.54 Cr |
| Operating Expenses | ₹1,638 Cr | ₹1,313 Cr | ₹1,117 Cr | ₹951 Cr | ₹757 Cr |
| Profit Before Tax | ₹108 Cr | ₹86 Cr | ₹65 Cr | ₹43 Cr | ₹20 Cr |
| Profit After Tax | ₹93 Cr | ₹86 Cr | ₹65 Cr | ₹43 Cr | ₹20 Cr |
| Earnings Per Share (Rs) | ₹6.30 | ₹11.12 | ₹10.36 | ₹7.82 | ₹5.14 |
| NIM | 2.91 | 2.71 | 2.53 | 2.40 | 1.45 |
| ROE(%) | 7.04 | 13.74 | 14.74 | 12.78 | 13.63 |
| ROCE(%) | 7.13 | 11.49 | 11.74 | 10.98 | 9.23 |
| Advances Growth | -48.52 | 145.86 | -41.01 | -52.27 | 85.80 |
| Net NPAs (funded) to Net Advances (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Key Financials |
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| Market Cap | : | ₹ 1,067.9 Cr |
| Revenue (TTM) | : | ₹ 259.4 Cr |
| Net Profit(TTM) | : | ₹ 21.0 Cr |
| EPS (TTM) | : | ₹ 2.5 |
| P/E (TTM) | : | 50.9 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| FINO PAYMENTS BANK | 1.2% | -7.8% | -52.3% |
| HDFC BANK | -0.8% | -1.3% | -25.3% |
| ICICI BANK | 2.6% | -4.6% | -0.5% |
| KOTAK MAHINDRA BANK | 5.6% | 3.8% | 8.1% |
| AXIS BANK | 1.5% | -2.3% | 10.3% |
| IDBI BANK | 4.3% | -5.4% | -4.8% |
| AU SMALL FINANCE BANK | -2.1% | -6.8% | 40.9% |
| THE FEDERAL BANK | 1.8% | -5.7% | 66% |
| INDUSIND BANK | -2.4% | -12.9% | 23.3% |
FINO PAYMENTS BANK Net Interest Income
[BOM: 543386|NSE : FINOPB]
| Y-o-Y | 33.03 % |
| 5 Yr CAGR | 72.40 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2026 | ₹95 Cr | 33.03 | |
| Mar2025 | ₹71 Cr | 49.79 | |
| Mar2024 | ₹47 Cr | 133.72 | |
| Mar2023 | ₹20 Cr | 89.69 | |
| Mar2022 | ₹11 Cr | - | |
FINO PAYMENTS BANK Net Interest Margin (NIM)
[BOM: 543386|NSE : FINOPB]
| Net Interest Margins | |
|---|---|
| Y-o-Y | 7.38 % |
| 5 Yr CAGR | 19.02 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 2.91% | 7.38 | |
| Mar2025 | 2.71% | 7.11 | |
| Mar2024 | 2.53% | 5.42 | |
| Mar2023 | 2.4% | 65.52 | |
| Mar2022 | 1.45% | - | |
FINO PAYMENTS BANK Profit After Tax
[BOM: 543386|NSE : FINOPB]
| Y-o-Y | 7.32 % |
| 5 Yr CAGR | 45.81 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹93 Cr | 7.32 | |
| Mar2025 | ₹86 Cr | 32.47 | |
| Mar2024 | ₹65 Cr | 52.28 | |
| Mar2023 | ₹43 Cr | 108.76 | |
| Mar2022 | ₹20 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | -19.33 % |
| 5 Yr CAGR | -15.43 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 97.77 % | -19.33 | |
| Mar2025 | 121.19 % | -11.57 | |
| Mar2024 | 137.04 % | -34.84 | |
| Mar2023 | 210.32 % | 10.05 | |
| Mar2022 | 191.11 % | - | |
FINO PAYMENTS BANK Earnings Per Share (EPS)
[BOM: 543386|NSE : FINOPB]
| Y-o-Y | -43.35 % |
| 5 Yr CAGR | 5.22 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹6.30 | -43.35 | |
| Mar2025 | ₹11 | 7.34 | |
| Mar2024 | ₹10 | 32.48 | |
| Mar2023 | ₹7.82 | 52.14 | |
| Mar2022 | ₹5.14 | - | |
FINO PAYMENTS BANK Return on Capital Employed (ROCE)
[BOM: 543386|NSE : FINOPB]
| Y-o-Y | -37.95 % |
| 5 Yr CAGR | -6.25 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2026 | 7.13% | -37.95 | |
| Mar2025 | 11.49% | -2.13 | |
| Mar2024 | 11.74% | 6.92 | |
| Mar2023 | 10.98% | 18.96 | |
| Mar2022 | 9.23% | - | |
FINO PAYMENTS BANK Share Price vs Sensex
| Current Share Price | : | ₹128.4 |
| Current MarketCap | : | ₹ 1,067.9 Cr |
| Updated EOD on | : | Oct 07,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| FINO PAYMENTS BANK | 1.2% |
-7.8% |
-52.3% |
| SENSEX | 0.2% |
-4.6% |
-9.6% |
FINO PAYMENTS BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE FINANCIAL SERVICES | 0.9% | -4.5% | -3.5% |
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FAQ about FINO PAYMENTS BANK Financials
How the annual revenues of FINO PAYMENTS BANK have changed ?
The Net Interest Income of FINO PAYMENTS BANK have increased by 33.03% YoY .
How the Earnings per Share (EPS) of FINO PAYMENTS BANK have changed?
The Earnings Per Share (EPS) of FINO PAYMENTS BANK has decreased by -43.35 % YoY .
Check out Intrinsic Value of Peers of FINO PAYMENTS BANK
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Intrinsic Value of HDFC BANK LTD Intrinsic Value of ICICI BANK LTD Intrinsic Value of KOTAK MAHINDRA BANK LTD Intrinsic Value of AXIS BANK LTD Intrinsic Value of IDBI BANK LTD |
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