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FINO PAYMENTS BANK
Quarterly Results Analysis [Dec2023]

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FINO PAYMENTS BANK Quarterly Results

Standalone Dec2023
Audited
Sep2023
UnAudited
Jun2023
UnAudited
Mar2023
UnAudited
Dec2022
UnAudited
Sep2022
UnAudited
Jun2022
UnAudited
Mar2022
UnAudited
Interest Earned ₹39 Cr ₹37 Cr ₹33 Cr ₹29 Cr ₹25 Cr ₹21 Cr ₹19 Cr ₹13 Cr
Other Income ₹331 Cr ₹322 Cr ₹315 Cr ₹294 Cr ₹289 Cr ₹282 Cr ₹270 Cr ₹273 Cr
Interest Expended ₹22 Cr ₹19 Cr ₹15 Cr ₹14 Cr ₹14 Cr ₹12 Cr ₹8 Cr ₹5 Cr
Expenses ₹326 Cr ₹320 Cr ₹314 Cr ₹287 Cr ₹281 Cr ₹278 Cr ₹271 Cr ₹263 Cr
Operating Income ₹23 Cr ₹20 Cr ₹19 Cr ₹22 Cr ₹19 Cr ₹14 Cr ₹10 Cr ₹18 Cr
Provisions and contingencies ₹0 Cr ₹1 Cr ₹0 Cr ₹0 Cr ₹0 Cr ₹0 Cr ₹0 Cr ₹0 Cr
Profit Before Tax ₹23 Cr ₹20 Cr ₹19 Cr ₹22 Cr ₹19 Cr ₹14 Cr ₹10 Cr ₹18 Cr
Profit After Tax ₹23 Cr ₹20 Cr ₹19 Cr ₹22 Cr ₹19 Cr ₹14 Cr ₹10 Cr ₹18 Cr
% of Net NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% of Gross NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EPS ₹2.74 ₹2.35 ₹2.25 ₹2.65 ₹2.30 ₹1.66 ₹1.21 ₹2.12
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%

FINO PAYMENTS BANK Quarterly Net Interest Income

[ Net Interest Income = Interest Earned - Interest Expended ]
Net Interest Income
Q-o-Q

-0.57 %

Y-o-Y

50.21 %

Quarters Net Interest Income % Change
Dec2023 ₹18 Cr
-0.57
Sep2023 ₹18 Cr
0.80
Jun2023 ₹18 Cr
16.03
Mar2023 ₹15 Cr
29.17
Dec2022 ₹12 Cr
21.01
Sep2022 ₹10 Cr
-12.50
Jun2022 ₹11 Cr
36.30
Mar2022 ₹8 Cr -

FINO PAYMENTS BANK Quarterly Operating Profit

Operating Profit
Q-o-Q

13.55 %

Y-o-Y

19.37 %

Quarters Operating Profit % Change
Dec2023 ₹23 Cr
13.55
Sep2023 ₹20 Cr
7.38
Jun2023 ₹19 Cr
-15.31
Mar2023 ₹22 Cr
15.60
Dec2022 ₹19 Cr
38.41
Sep2022 ₹14 Cr
36.63
Jun2022 ₹10 Cr
-42.68
Mar2022 ₹18 Cr -
Operating Margins
Q-o-Q

14.20 %

Y-o-Y

-20.53 %

Quarters Operating Margin% % Change
Dec2023 129.84%
14.20
Sep2023 113.7%
6.52
Jun2023 106.74%
-27.01
Mar2023 146.23%
-10.50
Dec2022 163.39%
14.37
Sep2022 142.86%
56.15
Jun2022 91.49%
-57.94
Mar2022 217.53% -

FINO PAYMENTS BANK Quarterly Profit After Tax

Profit After Tax(PAT)
Q-o-Q

16.80 %

Y-o-Y

19.37 %

Quarters Profit After Tax % Change
Dec2023 ₹23 Cr
16.80
Sep2023 ₹20 Cr
4.39
Jun2023 ₹19 Cr
-15.31
Mar2023 ₹22 Cr
15.60
Dec2022 ₹19 Cr
38.41
Sep2022 ₹14 Cr
36.63
Jun2022 ₹10 Cr
-42.68
Mar2022 ₹18 Cr -
PAT Margins
Q-o-Q

8.98 %

Y-o-Y

-22.94 %

Quarters PAT Margin(%) % Change
Dec2023 58.24 %
8.98
Sep2023 53.44 %
-5.78
Jun2023 56.72 %
-24.47
Mar2023 75.1 %
-0.64
Dec2022 75.58 %
17.52
Sep2022 64.31 %
19.27
Jun2022 53.92 %
-61.11
Mar2022 138.63 % -

FINO PAYMENTS BANK Quarterly Earnings Per Share (EPS)

EPS
Q-o-Q

16.60 %

Y-o-Y

19.13 %

Quarters EPS % Change
Dec2023 ₹2.74
16.60
Sep2023 ₹2.35
4.44
Jun2023 ₹2.25
-15.09
Mar2023 ₹2.65
15.22
Dec2022 ₹2.3
38.55
Sep2022 ₹1.66
37.19
Jun2022 ₹1.21
-42.92
Mar2022 ₹2.12 -

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