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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 - ₹339.00

Previous CloseN/A

Volume178.69K

Average Volume (3M)43.78K

Market Cap

₹11.62B

Enterprise Value₹19.13K

Total Cash (Recent Filing)₹13.51B

Total Debt (Recent Filing)₹15.35B

Price to Earnings (P/E)54.4

Beta1.91

Next Earnings

Nov 04, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)6.29

Shares Outstanding83,218,400

10 Day Avg. Volume19,106

30 Day Avg. Volume43,782

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

Strong FY2026 Revenue GrowthThe sharp acceleration indicates stronger customer, transaction or distribution activity and provides a larger base for future fee and interest income. Sustaining this scale could improve operating leverage if costs remain controlled.

Positive ProfitabilityContinued profitability gives FINOPB internal resources to support technology, agent distribution and compliance investment. Positive earnings also strengthen resilience while the bank expands its payments and financial-services ecosystem.

Technology-Led Phygital DistributionCombining agent-led access with digital channels supports reach among underserved customers, where trust and cash access remain important. A broad network can create recurring transaction, remittance and distribution-fee opportunities.

Bears Say

Rising LeverageDebt has risen materially alongside balance-sheet expansion, reducing financial flexibility. If earnings or funding conditions weaken, higher obligations could constrain investment capacity and increase sensitivity to changes in permitted investment returns.

Inconsistent Cash ConversionVolatile operating cash flow and minimal recent free cash flow suggest reported growth is not consistently converting into cash. This can limit self-funded expansion of technology and distribution infrastructure and increase reliance on external funding.

Margin Pressure During ScalingEarnings declining while revenue accelerates indicates margin compression, rising costs or weaker mix. Unless productivity improves, rapid expansion may generate less incremental profit and weaken the durability of the growth trajectory.

FINO Payments Bank Ltd. News

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...

1M 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...

3M 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...

5M 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...

5M 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...

5M 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...

5M ago

Fino Payments Bank CEO Rishi Gupta Granted Bail as Core Business Stays Resilient

The latest announcement is out from FINO Payments Bank Ltd. ( ($IN:FINOPB) ). Fino Payments Bank said its...

5M ago

Fino Payments Bank CEO Rishi Gupta Granted Bail as Core Business Remains Stable

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has issued an update. Fino Payments Bank said the Hon’ble Special...

5M ago

Fino Payments Bank Withdraws CEO Re-appointment Vote Amid Ongoing Probe

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

5M ago

Fino Payments Bank Stresses Stability After Court Dismisses CEO’s Writ Petition

FINO Payments Bank Ltd. ( ($IN:FINOPB) ) has issued an update. Fino Payments Bank said the Telangana High...

5M 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 ₹339.00 in the past 12 months.

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

FINO Payments Bank Ltd.’s market cap is ₹11.62B.

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

FINO Payments Bank Ltd.’s upcoming earnings report date is Nov 04, 2026 which is in 62 days.

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

FINO Payments Bank Ltd. released its earnings results on Aug 13, 2026. The company reported -₹1.649 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 -₹1.649 in its last earnings report. Following the earnings report the stock price went up 1.898%.

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.