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FINOPB Stock Chart & Stats
₹250.30
-₹7.10(-2.19%)
At close: 4:00 PM EST
₹250.30
-₹7.10(-2.19%)
Day’s Range― - ―
52-Week Range₹110.10 - ₹339.00
Previous CloseN/A
Volume49.56K
Average Volume (3M)22.57K
Market Cap
₹14.56B
Enterprise Value₹19.13K
Total Cash (Recent Filing)₹13.51B
Total Debt (Recent Filing)₹15.35B
Price to Earnings (P/E)27.7
Beta1.97
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)6.29
Shares Outstanding83,218,400
10 Day Avg. Volume41,854
30 Day Avg. Volume22,575
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
Strong Revenue AccelerationA 114% revenue jump in FY2026 signals durable demand expansion and scale gains in core payments activity. Sustained top-line momentum over months supports better leverage of fixed tech and network costs, enabling long-term margin recovery and partner negotiation power.
Fee-driven Payments BusinessA diversified, fee-centric revenue model (transactions, interchange, distribution and treasury income) reduces credit exposure and relies on volume growth rather than lending. This structural mix is resilient and scalable in underbanked markets over the medium term.
Last-mile Agent Network + TechThe combination of a technology platform and extensive last-mile agent network creates durable competitive advantages: distribution reach, sticky customer access, and institutional partnership capabilities that support recurring transaction flows and third-party product distribution.
Bears Say
Rising LeverageDebt roughly doubled year-over-year, increasing financial leverage and interest exposure. Elevated leverage constrains strategic flexibility, raises refinancing and funding risks, and could pressure margins or capital allocation if funding costs or regulatory requirements tighten.
Weak, Inconsistent Cash ConversionOperating cash flow has swung between positive and sharply negative years and FCF was essentially negligible in FY2026. Earnings not reliably converting to cash forces reliance on external funding for growth and limits ability to self-fund investments or absorb shocks.
Margin And Earnings Quality PressureNet income fell even as revenue surged, indicating margin compression or rising operating costs from scaling (agent payouts, tech investments or promotions). Persistent earnings-quality deterioration threatens sustainable profitability absent cost or pricing discipline.
FINO Payments Bank Ltd. News
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 ₹14.56B.
When is FINO Payments Bank Ltd.’s upcoming earnings report date?
FINO Payments Bank Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 3 days.
How were FINO Payments Bank Ltd.’s earnings last quarter?
FINO Payments Bank Ltd. released its earnings results on Apr 29, 2026. The company reported ₹0.85 earnings per share for the quarter, missing the consensus estimate of ₹6.2 by -₹5.35.
Is FINO Payments Bank Ltd. overvalued?
According to Wall Street analysts FINO Payments Bank Ltd.’s price is currently Overvalued.
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 ₹0.85 in its last earnings report, missing expectations of ₹6.2. Following the earnings report the stock price went up 0.299%.
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.
Technical Analysis
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