FINO PAYMENTS BANK LTDFF

FINO PAYMENTS BANK LTD

300.80INRR
+11.65+4.03%
At close at Jan 20, 10:17 GMT
INR
No trades
See on Supercharts

FINOPB fundamentals

Key facts

Market capitalization‪24.16 B‬INR
Founded2007
Employees (FY)‪2.68 K‬
CEORishi Gupta
About

Fino Payments Bank Ltd. operates as a fintech company. Its services include current and savings accounts, remittances, business correspondent, mobile banking, bill payments and third-party financial products distribution. It operates through the following segments: Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Operations. The Other Banking Operations segment focuses on business correspondent services, domestic money transfer, micro-ATM, and aadhaar enabled payment system. The company was founded on June 23, 2007 and is headquartered in Mumbai, India.

Ownership
‪‪83.21 M‬‬
Closely held shares
‪‪65.09 M‬‬ (78.22%)
Free Float shares
‪‪18.12 M‬‬ (21.78%)
Closely held shares
‪‪65.09 M‬‬ (78.22%)
Free Float shares
‪‪18.12 M‬‬ (21.78%)
Capital structure
Market cap
‪‪24.16 B‬‬
Debt
‪‪7.96 B‬‬
Cash & equivalents
‪‪9.02 B‬‬
Enterprise value
‪‪23.10 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪24.16 B‬‬
Price to earning ratio (P/E)
25.82x
Price to sales ratio (P/S)
1.45x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
25.82x
Price to sales ratio (P/S)
1.45x
Valuation ratios
‪0.00‬
‪0.50‬
‪1.00‬
‪1.50‬
‪2.00‬
Q2 '23
Q3 '23
Q4 '23
Q1 '24
Q2 '24
‪0.00‬
‪9.00‬
‪18.00‬
‪27.00‬
‪36.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪4.5%‬
‪5.0%‬
‪5.5%‬
‪6.0%‬
‪6.5%‬
Q2 '23
Q3 '23
Q4 '23
Q1 '24
Q2 '24
‪0.00‬
‪‪1.20 B‬‬
‪‪2.40 B‬‬
‪‪3.60 B‬‬
‪‪4.80 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪1.20 B‬‬
‪‪2.40 B‬‬
‪‪3.60 B‬‬
‪‪4.80 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪1.20 B‬‬
‪‪2.40 B‬‬
‪‪3.60 B‬‬
‪‪4.80 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Other Banking
Retail Banking
Treasury
Unallocated
By country
Period: 2023
India

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q3 '23
Q4 '23
Q1 '24
Q2 '24
‪0.00‬
‪‪1.10 B‬‬
‪‪2.20 B‬‬
‪‪3.30 B‬‬
‪‪4.40 B‬‬
Actual
Earnings
Next:May 6, 2025
2021
2022
2023
2024
‪0.00‬
‪3.00‬
‪6.00‬
‪9.00‬
‪12.00‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

FINOPB does not pay dividends
The company has not previously paid dividends and at the moment there is no information about whether it is going to pay them in the future

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q2 '23
Q3 '23
Q4 '23
Q1 '24
Q2 '24
‪0.00‬
‪‪4.00 B‬‬
‪‪8.00 B‬‬
‪‪12.00 B‬‬
‪‪16.00 B‬‬
Net loans
Total deposits
Loan loss allowances