FINOPB
Fino Payments Bank Limited (FINOPB) Stock Analysis
Fino Payments Bank Limited is an Indian payments bank offering savings, remittance, and merchant services. It leverages banking correspondent networks to reach semi-urban and rural customers. The bank focuses on digital and assisted transactions. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹127.50
-2.95% 1W | -54.40% 52W
Market Cap
1.1k CR
P/E Ratio
–
52W High
₹326.7
52W Low
₹110
Div. Yield
0%
Beta
0.6
50 DMA
₹130.6
200 DMA
₹147.7
Profit Margin
-1.2%
Inst. Own.
0%
📊 ANALYZING TREND
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 37 | 39 | 41 | 45 | 48 | 49 | 53 | 61 | 60 | 63 | 64 | 72 | 74 |
| YoY Revenue growth | +70% | +55% | +41% | +37% | +31% | +26% | +27% | +35% | +26% | +28% | +21% | +18% | +24% |
| Interest | 19 | 22 | 23 | 24 | 25 | 26 | 26 | 28 | 28 | 29 | 29 | 35 | 35 |
| Expenses | 320 | 326 | 353 | 389 | 404 | 407 | 438 | 400 | 351 | 344 | 306 | 285 | 319 |
| Financing Profit | -303 | -308 | -335 | -367 | -382 | -384 | -411 | -368 | -319 | -311 | -270 | -248 | -280 |
| Financing Margin % | -828% | -787% | -808% | -810% | -799% | -777% | -779% | -603% | -530% | -494% | -422% | -344% | -376% |
| Other Income | 322 | 331 | 360 | 392 | 408 | 412 | 441 | 392 | 340 | 328 | 275 | 235 | 259 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 20 | 23 | 25 | 24 | 26 | 28 | 30 | 25 | 21 | 17 | 4 | -14 | -21 |
| Tax % | 0% | 0% | 0% | 0% | 18% | 19% | 19% | 28% | 28% | 30% | -73% | 0% | 0% |
| Net Profit | 20 | 23 | 25 | 24 | 21 | 23 | 24 | 18 | 15 | 12 | 7 | -14 | -21 |
| EPS in Rs | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 | 0.85 | -1.65 | -2.51 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16 | 19 | 18 | 20 | 36 | 95 | 150 | 195 | 248 | 274 |
| Revenue growth | +24% | -5% | +12% | +76% | +166% | +58% | +30% | +27% | +23% | |
| Interest | 3 | 6 | 10 | 10 | 15 | 47 | 79 | 101 | 114 | 129 |
| Expenses | 279 | 410 | 690 | 707 | 915 | 1,076 | 1,260 | 1,576 | 1,330 | 1,254 |
| Financing Profit | -266 | -396 | -682 | -697 | -895 | -1,028 | -1,189 | -1,481 | -1,196 | -1,110 |
| Financing Margin % | -1,716% | -2,068% | -3,760% | -3,441% | -2,512% | -1,084% | -792% | -759% | -482% | -405% |
| Other Income | 215 | 352 | 673 | 771 | 973 | 1,135 | 1,328 | 1,652 | 1,340 | 1,097 |
| Depreciation | 16 | 18 | 24 | 54 | 35 | 42 | 53 | 62 | 76 | 0 |
| Profit before tax | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 67 | -13 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 15% | 22% | |
| Net Profit | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 52 | -15 |
| EPS in Rs | -8.63 | -8.00 | -4.11 | 2.62 | 5.14 | 7.82 | 10.36 | 11.12 | 6.30 | -1.84 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 38.0% | 65.0% | – |
| Profit CAGR | -7.0% | 20.0% | – |
Shareholding Pattern
Promoters75.00%
FIIs2.67%
DIIs3.35%
Public19.00%
Promoters75.00%
FIIs2.69%
DIIs0.45%
Public21.87%
Promoters75.00%
FIIs1.33%
DIIs0.40%
Public23.27%
Promoters75.00%
FIIs0.31%
Public24.68%
Promoters75.00%
FIIs0.03%
Public24.97%
Promoters75.00%
FIIs7.20%
DIIs4.74%
Public13.07%
Promoters75.00%
FIIs5.12%
DIIs5.92%
Public13.97%
Promoters75.00%
FIIs4.08%
DIIs3.52%
Public17.41%
Promoters75.00%
FIIs1.33%
DIIs0.40%
Public23.27%
Promoters75.00%
FIIs0.03%
Public24.97%
FINOPB
Holdings Analysis
Key strengths & risk signals
54
Overall
52
Fundamental
57
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 54.4% in the last year.
WEAK POSITION! Current price (127.5) is below both moving averages.
WEAK! Trading at 8.1% of 52W range - near yearly lows.
Strengths (3)
BULLISH SENTIMENT! In last 30 days: 10 up days, 19 down days. Avg volume on up days: 2,813,714 vs down days: 327,626. Ratio: 8.59x
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
NEUTRAL! RSI at 42.4 - balanced momentum.
Fundamental & Technical Analysis
54Overall
52Fundamental
57Technical
Fundamental Breakdown
Growth Quality
15/30
Revenue CAGR: 15.8% (VERY GOOD, 13/15). Profit CAGR: -6.9% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! -1.2% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 13.25% public ownership - strong promoter/institutional control.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (130.6) is below 200-day average (147.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (127.5) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
0/10
POOR YEAR! Stock declined 54.4% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 10 up days, 19 down days. Avg volume on up days: 2,813,714 vs down days: 327,626. Ratio: 8.59x
RSI
3/5
NEUTRAL! RSI at 42.4 - balanced momentum.
52W Range
1/5
WEAK! Trading at 8.1% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.0% (1 week), 6.1% (1 month), 15.1% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
FINOPB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-04 | Concall PDF | |
| Q3FY262026-03-04 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FINOPB | ₹127.50 | – | -1.2% | 15.8% | -6.9% | -54.4% | 54 | BREAKDOWN | – | +52.6% | – | +9.8% |
| CAPITALSFB | ₹284.50 | 8 | 29.5% | 14.6% | 14.7% | +1.1% | 70 | BREAKOUT | – | +10.4% | – | +4.2% |
| DHANBANK | ₹35.00 | 10.1 | 16.9% | 12.7% | 27.7% | +24.0% | 81 | BREAKOUT | – | +95.2% | – | +10.7% |
| SURYODAY | ₹159.70 | 7.1 | 15.2% | 20.0% | 25.1% | +4.8% | 71 | BREAKOUT | – | +1.9% | – | +6.8% |
| UTKARSHBNK | ₹11.90 | – | -65.2% | 1.4% | – | -27.2% | 38 | BREAKDOWN | -79.9% | +106.2% | +18.0% | -2.3% |
| ESAFSFB | ₹45.10 | 8.6 | 12.0% | 6.9% | – | +57.1% | 68 | APPROACHING RESISTANCE | -238.3% | +100.0% | +65.7% | +2.9% |
| JSFB | ₹417.30 | 9.3 | 15.2% | 14.8% | 8.4% | -9.8% | 56 | BREAKDOWN | – | +9.8% | +22.7% | +3.8% |
| CSBBANK | ₹308.60 | 7.8 | 24.5% | 20.6% | 5.0% | -29.1% | 64 | APPROACHING SUPPORT | +14.0% | +21.8% | +1.4% | +10.7% |
Data from TradeAlone · Updated daily
