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FINO Payments Bank Ltd. (FINOPB) Price & Analysis

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FINOPB Stock Chart & Stats

₹163.60

-₹2.72(-1.67%)

At close: Jul 30 4:00 PM EDT

₹163.60

-₹2.72(-1.67%)

Day’s Range― - ―

52-Week Range₹110.10 - ₹326.70

Previous CloseN/A

Volume178.69K

Average Volume (3M)48.58K

Market Cap

₹9.80B

Enterprise Value₹20.19B

Total Cash (Recent Filing)₹0.00

Total Debt (Recent Filing)₹0.00

Price to Earnings (P/E)―

Beta1.97

Next Earnings

Feb 04, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)2.51

Shares Outstanding83,218,400

10 Day Avg. Volume13,692

30 Day Avg. Volume48,575

Financial Highlights & Ratios

PEG Ratio-0.43

Price to Book (P/B)1.22

Price to Sales (P/S)0.62

P/FCF Ratio1.08K

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)13

Revenue Forecast (FY)₹19.30B

Bulls Say, Bears Say

Bulls Say

Revenue GrowthThe sharp FY2026 revenue acceleration indicates stronger transaction, customer, or service scale and gives FINOPB a larger operating base. If maintained, this growth can improve network economics and support further investment in its assisted and digital financial-services platform over the next several quarters.

Technology-Led DistributionA combined agent-led and digital model gives FINOPB multiple customer access points in underserved and underbanked markets. Greater distribution reach can support recurring deposits, remittances, payments, and partner-product fees while making the platform more relevant to customers over time.

Positive Net IncomeRemaining profitable despite rapid expansion provides evidence that the business has an established earnings base rather than relying solely on growth investment. Positive earnings can help fund operations and strengthen resilience, although the durability of that profitability depends on restoring stronger earnings quality.

Bears Say

Weak Cash ConversionVery limited and volatile free cash flow shows that reported growth and earnings are not consistently converting into internally generated cash. This can constrain reinvestment, reduce financial flexibility, and make future expansion more dependent on balance-sheet funding or other external sources.

Rising LeverageDebt has increased materially alongside asset growth, while already moderate-to-elevated debt-to-equity reduces financial flexibility. If profitability or funding conditions tighten, higher obligations could limit capital allocation choices and increase the pressure on cash generation.

Earnings QualityDeclining net income during a period of exceptional revenue growth indicates that scale is not yet translating proportionately into earnings. Possible margin compression or higher costs could weaken the benefits of expansion and make future profitability more dependent on operating efficiency.

FINO Payments Bank Ltd. News

Fino Payments Bank Posts Losses Despite Strong Capital Adequacy

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has provided an update. Fino Payments Bank Limited operates in the...

3d ago

Fino Payments Bank’s ESG Score Raised by Crisil to 59-Adequate

The latest update is out from FINO Payments Bank Ltd. ( ($IN:FINOPB) ). Fino Payments Bank Limited has...

10d ago

Fino Payments Bank Sets October 30 Earnings Call for September Quarter

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has issued an announcement. Fino Payments Bank Ltd. has scheduled an...

11d ago

Fino Payments Bank taps veteran banker Paresh Gupta to lead MSME push

The latest update is out from FINO Payments Bank Ltd. ( ($IN:FINOPB) ). Fino Payments Bank Ltd. has...

1M ago

Fino Payments Bank Shareholders Ratify CEO Re-Appointment via E-Voting

An update from FINO Payments Bank Ltd. ( ($IN:FINOPB) ) is now available. Fino Payments Bank has announced...

3M ago

Fino Payments Bank Schedules Analyst Meet with Fortuna Asset Managers

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has issued an announcement. Fino Payments Bank Limited has scheduled an...

5M ago

Fino Payments Bank Flags CEO’s Temporary Unavailability but Reports Record Deposits

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has provided an announcement. Fino Payments Bank has disclosed that its...

7M ago

Fino Payments Bank Discloses In-Person Analyst Meeting with Infinity Alternatives

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has shared an announcement. Fino Payments Bank Limited has announced that...

7M ago

Fino Payments Bank Chief Compliance Officer to Step Down in March 2026

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has provided an announcement. Fino Payments Bank has announced that its...

7M ago

Fino Payments Bank Withdraws Postal Ballot Item on CEO Reappointment Amid Ongoing Probe

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has issued an update. Fino Payments Bank has issued an addendum...

7M ago

FINOPB FAQ

What was FINO Payments Bank Ltd.’s price range in the past 12 months?

FINO Payments Bank Ltd. lowest stock price was ₹110.10 and its highest was ₹326.70 in the past 12 months.

What is FINO Payments Bank Ltd.’s market cap?

FINO Payments Bank Ltd.’s market cap is ₹9.80B.

When is FINO Payments Bank Ltd.’s upcoming earnings report date?

FINO Payments Bank Ltd.’s upcoming earnings report date is Feb 04, 2027 which is in 95 days.

How were FINO Payments Bank Ltd.’s earnings last quarter?

FINO Payments Bank Ltd. released its earnings results on Oct 29, 2026. The company reported -₹2.512 earnings per share for the quarter.

Is FINO Payments Bank Ltd. overvalued?

According to Wall Street analysts FINO Payments Bank Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does FINO Payments Bank Ltd. pay dividends?

FINO Payments Bank Ltd. does not currently pay dividends.

What is FINO Payments Bank Ltd.’s EPS estimate?

FINO Payments Bank Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does FINO Payments Bank Ltd. have?

FINO Payments Bank Ltd. has 83,218,400 shares outstanding.

What happened to FINO Payments Bank Ltd.’s price movement after its last earnings report?

FINO Payments Bank Ltd. reported an EPS of -₹2.512 in its last earnings report. Following the earnings report the stock price went up 1.026%.

Which hedge fund is a major shareholder of FINO Payments Bank Ltd.?

Currently, no hedge funds are holding shares in IN:FINOPB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

FINO Payments Bank Ltd.

Established in 2007 and headquartered in Navi Mumbai, India, Fino Payments Bank Limited, previously known as Fino Fintech Limited, provides a comprehensive range of financial services across India. This subsidiary of FINO PayTech Limited offers core banking solutions such as savings and current accounts, complete with a sweep account facility, as well as debit and prepaid cards. Its extensive service portfolio includes loan referral programs, various payment options like recharge, bill payments, remittances, and money transfers, alongside advanced payment systems such as mobile banking, UPI, and FASTag products. Additionally, the bank facilitates cash bazar, AADHAAR seeding, and micro ATM services. Further expanding its offerings, Fino Payments Bank distributes health, life, and two-wheeler insurance products, and provides third-party financial product distribution and business correspondent banking services. The bank boasts an impressive reach through its network of 724,671 banking outlets, 54 bank branches, and 130 customer service points.