# Fino Payments Bank Ltd (FINOPB)
> Exchange: NSE | Sector: Banking | ISIN: 

## Price
Current Price: ₹125.4
Day Change: +0.18%
52W High: ₹339
52W Low: ₹110.03
Market Cap: ₹1,025 Cr

## Valuation
P/E: 14.8
P/B: 1.28
EPS: ₹8.32
Book Value: ₹96.4
Dividend Yield: 0%

## Returns
1Y Return: -55.47%

## Profitability
ROE: 6.76%
ROCE: 0%
Debt/Equity: 0
Revenue Growth: -31.1%
Profit Growth: -70.5%
EBITDA Margin: 0%
Operating Margin: 1.73%

## About
Fino Payments Bank Ltd is a Banks - Regional company listed on NSE. The page combines exchange quotes, financial statements, shareholding, filings, and news so investors can review the business in one place.
Sector: Banking
Industry: Banks - Regional
Sub Industry: Unknown

## Business Model
Overview: Fino Payments Bank Ltd makes money through Interest income, Fees and commissions, Treasury and investment income in Banks - Regional. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Banking.
Source: Derived from stock data
Revenue Streams:
- Interest income
- Fees and commissions
- Treasury and investment income
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Recent Context:
- Announcement: Business Update For The Month Of April, 2026
- Announcement: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
- BSE Filing: Business Update For The Month Of April, 2026

## Access
Current tier: anonymous
More history: Register free to see 1 more year.

## Data Freshness
Quote Updated: 2026-05-25T18:00:11.510Z
Price History Updated: 2026-05-25T05:33:17.205Z
Latest Price History Date: 2026-05-24
Technicals Updated: 2026-05-25T05:33:17.205Z
Quant Updated: 2026-05-25T05:33:17.205Z
Sentiment Updated: 2026-05-25T05:33:17.205Z
Financials Status: current
Financials Updated: 2026-05-19T11:31:37.201Z
Financials Last Attempt: 2026-05-19T11:31:37.201Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## P&L (FY25)
Revenue: ₹677.52 Cr
Operating Profit: ₹0 Cr (OPM 0%)
Net Profit: ₹92.53 Cr
Tax: ₹15.82 Cr

## Annual P&L History
FY25: Rev ₹677.52Cr | PAT ₹92.53Cr | OPM 0%
FY24: Rev ₹555.61Cr | PAT ₹86.22Cr | OPM 0%
FY23: Rev ₹447.04Cr | PAT ₹65.09Cr | OPM 0%

## Balance Sheet (FY25)
Total Assets: ₹4205.93 Cr
Total Liabilities: ₹3459.06 Cr
Borrowings: ₹839.46 Cr
Cash: ₹1104.19 Cr

## Shareholding
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## Board
- Ketan Dhirendra Merchant, Interim Chief Executive Officer
- Anup  Agarwal, Interim CFO and Head of Finance & Investor Relations
- K. B. Vinod Kumar, Senior Executive VP of Operations & Chief Information Officer
- Basavraj Shivanand Loni, Company Secretary, Compliance Officer & VP of Legal
- Abhilash  Ankathil, Chief Compliance Officer

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Source: rupiya.io/stocks/finopb
Disclaimer: For research and education only. Not investment advice.