NSE · FINOPB
Fino Payments Bank Ltd.
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹14,73,65,00,000 Cr with net profit ₹52,46,00,000 Cr — a 3.56% net margin, versus 5.01% the period before.
Shareholding
As of 2026-06-30
- Promoter75%
- Public24.69%
- FII0.31%
- DII0%
62,125 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 3.08× from low to high.
Risk flags
Derived from disclosed data
No flags raised by the data.
Peer comparison
Banks - Regional · ranked #1 of 22 by market cap · medians across 15 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | ₹10,31,261 Cr | 69.73 | 2.86 | 15.89% | 27.77% |
| Kotak Mahindra Bank Ltd. | ₹3,88,146 Cr | 19.37 | 2.14 | 11.17% | 28.63% |
| Axis Bank Limited | ₹3,84,216 Cr | 50.49 | 1.8 | 12.32% | 19.91% |
| Union Bank of India | ₹1,30,596 Cr | 23.73 | 0.99 | 14.33% | 19.27% |
| Punjab National Bank | ₹1,27,664 Cr | 23 | 0.87 | 13.18% | 16.76% |
| Bank of Baroda | ₹1,25,845 Cr | 21.69 | 0.76 | 11.74% | 14.78% |
| Indian Bank | ₹1,11,488 Cr | 35.13 | 1.39 | 14.32% | 17.34% |
| IDFC First Bank Limited | ₹73,230 Cr | 223.74 | 1.55 | 3.4% | 3.97% |
| Indian Overseas Bank | ₹65,068 Cr | 41.72 | 1.76 | 14.09% | 16.99% |
| Bank of India | ₹62,667 Cr | 20.3 | 0.7 | 11.22% | 13.63% |
| Fino Payments Bank Ltd.(this company) | — | 191.8 | 1.76 | — | — |
AI analysis
AI-generated · google/gemini-2.5-flashFino Payments Bank Ltd. (symbol: 543386) is a financial services company based in Navi Mumbai, India, founded in 2006. It provides financial solutions and services across various segments including Treasury, Corporate Banking/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers a range of products including savings accounts, loans, debit cards, insurance products, merchant services, and digital banking facilities.
Positives
- +The company has a debt-to-equity ratio of 0, indicating no reported debt.
- +Promoter pledge is 0%, indicating no shares held by promoters are pledged.
- +Annual net profit grew from Rs 42.74 Cr in Mar 2022 to Rs 86.22 Cr in Mar 2024.
Negatives
- −The promoter holding has decreased from 75.0015% in Sept 2022 to 74.9978% in Mar 2026.
- −FII holding has significantly decreased from 9.2563% in Sept 2022 to 1.3303% in Mar 2026.
- −DII holding has decreased from 7.8376% in Sept 2022 to 0.4047% in Mar 2026.
- −The company's net profit decreased from Rs 92.53 Cr in Mar 2025 to Rs 52.46 Cr in Mar 2026.
- −The company is currently under ST-ASM · ASM 1 surveillance.
Business Overview
Fino Payments Bank Ltd. offers a comprehensive suite of financial products and services. These include standard banking functionalities like savings, current, and salary accounts, as well as various loan options such as personal, home, and gold loans. The bank also provides debit and prepaid cards, insurance products spanning life, health, general, motor, and shopkeeper categories. Additionally, it facilitates digital transactions through services like internet and mobile banking via the FinoPay app, merchant services, UPI, recharge, and bill payments. Its 'Other Banking Operations' segment encompasses business correspondent, digital payment, cash management, and Aadhaar-enabled payment systems.
Financial Performance
The company reported an annual revenue of Rs 1478.38 Cr in Mar 2024, increasing to Rs 1847.10 Cr in Mar 2025 and Rs 1473.65 Cr in Mar 2026. Net profit stood at Rs 86.22 Cr in Mar 2024, Rs 92.53 Cr in Mar 2025, and Rs 52.46 Cr in Mar 2026. Earnings per share (EPS) were Rs 10.36 in Mar 2024, Rs 11.08 in Mar 2025, and it is currently at Rs 6.71. The company has a profit margin of 21.14%.
Profitability & Returns
Fino Payments Bank Ltd. achieved a return on equity (ROE) of 6.52%. The return on capital employed (ROCE) was 3.42%. The earnings per share (EPS) for the latest fiscal period is Rs 6.71. The company's profit margin stands at 21.14%, indicating the portion of revenue retained as profit. Annual net profit showed growth from Rs 65.09 Cr in Mar 2023 to Rs 86.22 Cr in Mar 2024 and Rs 92.53 Cr in Mar 2025.
Balance Sheet
The company maintains a low debt-to-equity ratio of 0, indicating no reported debt. This contributes to a strong financial footing. The book value per share is Rs 92.56. While the debt-to-equity ratio is 0, specific asset and liability breakdowns are not provided in the available data. The company has a market capitalization of Rs 1404 Cr.
Ownership & Pledges
As of Mar 2026, promoter holding in Fino Payments Bank Ltd. was 74.9978%. Public shareholding was 23.2672%, while FIIs held 1.3303% and DIIs held 0.4047%. The promoter pledge is 0%, indicating no shares held by promoters are pledged. The total number of shareholders is 62,358 as of Mar 2026. The promoter holding has decreased from 75.0015% in Dec 2021 to 74.9978% in Mar 2026.
Regulatory & Surveillance
Fino Payments Bank Ltd. is currently under surveillance. It has been placed under the ST-ASM · ASM 1 category, with specifically 'ST-ASM' measures indicated. This suggests enhanced monitoring by regulatory bodies due to various stock-related parameters.
Data as of — price: 2026-07-30 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.