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STOCKS

FINO Payments Bank Ltd. (IN:FINOPB)

:FINOPB

FINOPB

FINO Payments Bank Ltd.

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FINO Payments Bank Ltd. (FINOPB) Ratios

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FINO Payments Bank Ltd. Ratios

IN:FINOPB's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:FINOPB's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.53	0.53	1.71K	15.91K	9.44K
Quick Ratio	0.53	0.53	4.08K	38.59K	23.36K
Cash Ratio	0.75	0.75	2.31K	22.08K	13.54K
Solvency Ratio	0.05	0.05	0.06	0.07	0.09
Operating Cash Flow Ratio	0.11	0.11	-55.66	5.98K	-1.61K
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -34.59B	₹ -20.26B	₹ -12.95B	₹ -6.48B	₹ -6.71B
Leverage Ratios
Debt-to-Assets Ratio	0.21	0.21	0.18	0.15	0.18
Debt-to-Equity Ratio	1.11	1.11	0.79	0.52	1.20
Debt-to-Capital Ratio	0.53	0.53	0.44	0.34	0.55
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	5.32	5.32	4.46	3.50	6.71
Debt Service Coverage Ratio	0.00	0.00	-0.49	-0.48	3.47
Interest Coverage Ratio	1.10	1.10	0.49	0.48	-3.47
Debt to Market Cap	0.00	0.00	0.00	0.00	0.00
Interest Debt Per Share	95.11	95.11	57.85	33.12	42.70
Net Debt to EBITDA	0.00	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	266.08%	266.08%	100.00%	100.00%	100.00%
EBIT Margin	-9.62%	-9.62%	-3.54%	-9.37%	-16.83%
EBITDA Margin	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	15.63%	15.63%	1.96%	1.93%	-10.40%
Pretax Profit Margin	15.52%	15.52%	5.50%	11.30%	6.43%
Net Profit Margin	15.52%	15.52%	5.50%	11.30%	6.43%
Continuous Operations Profit Margin	15.52%	15.52%	5.50%	11.30%	6.43%
Net Income Per EBT	100.00%	100.00%	100.00%	99.99%	100.01%
EBT Per EBIT	99.28%	99.28%	280.19%	586.31%	-61.84%
Return on Assets (ROA)	2.20%	2.52%	2.64%	2.54%	2.03%
Return on Equity (ROE)	12.39%	13.41%	11.78%	8.91%	13.60%
Return on Capital Employed (ROCE)	36.61%	4.33%	0.94%	0.43%	-3.28%
Return on Invested Capital (ROIC)	31.27%	4.33%	1.96%	0.94%	-34.24%
Return on Tangible Assets	2.20%	2.52%	2.64%	2.54%	2.03%
Earnings Yield	4.68%	3.54%	3.83%	2.12%	0.84%
Efficiency Ratios
Receivables Turnover	81.59	81.59	0.00	0.00	0.00
Payables Turnover	-1.01K	-1.01K	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.85	2.85	8.16	4.08	4.96
Asset Turnover	0.16	0.16	0.48	0.23	0.32
Working Capital Turnover Ratio	-23.87	-23.87	2.02	1.02	1.72
Cash Conversion Cycle	0.00	4.84	0.00	0.00	0.00
Days of Sales Outstanding	0.00	4.47	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	-0.36	0.00	0.00	0.00
Operating Cycle	0.00	4.47	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	19.45	19.45	-2.42	25.93	-7.23
Free Cash Flow Per Share	-5.65	-5.65	-13.75	17.88	-22.71
CapEx Per Share	12.47	12.47	11.34	8.04	15.49
Free Cash Flow to Operating Cash Flow	-0.29	-0.29	5.69	0.69	3.14
Dividend Paid and CapEx Coverage Ratio	1.56	1.56	-0.21	3.22	-0.47
Capital Expenditure Coverage Ratio	1.56	1.56	-0.21	3.22	-0.47
Operating Cash Flow Coverage Ratio	0.23	0.23	-0.05	0.83	-0.18
Operating Cash Flow to Sales Ratio	0.29	0.29	-0.02	0.55	-0.10
Free Cash Flow Yield	-31.11%	-1.93%	-6.73%	7.11%	-4.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	28.26	28.26	26.12	47.06	118.43
Price-to-Sales (P/S) Ratio	4.39	4.39	1.44	5.32	7.62
Price-to-Book (P/B) Ratio	3.79	3.79	3.08	4.19	16.11
Price-to-Free Cash Flow (P/FCF) Ratio	-51.85	-51.85	-14.85	14.06	-23.94
Price-to-Operating Cash Flow Ratio	15.06	15.06	-84.56	9.70	-75.25
Price-to-Earnings Growth (PEG) Ratio	0.87	0.87	0.56	2.88	-0.72
Price-to-Fair Value	3.79	3.79	3.08	4.19	16.11
Enterprise Value Multiple	0.00	0.00	0.00	0.00	0.00
Enterprise Value	17.13B	20.84B	13.00B	14.95B	23.35B
EV to EBITDA	0.00	0.00	0.00	0.00	0.00
EV to Sales	0.98	3.75	1.10	3.95	7.33
EV to Free Cash Flow	-2.78	-44.34	-11.36	10.45	-23.06
EV to Operating Cash Flow	-3.80	12.88	-64.67	7.21	-72.45
Tangible Book Value Per Share	77.28	77.28	66.40	59.97	33.77
Shareholders’ Equity Per Share	77.28	77.28	66.40	59.97	33.77
Tax and Other Ratios
Effective Tax Rate	0.00	0.00	0.36	0.17	-1.62
Revenue Per Share	66.76	66.76	142.11	47.27	71.41
Net Income Per Share	10.36	10.36	7.82	5.34	4.59
Tax Burden	0.85	1.00	1.00	1.00	1.00
Interest Burden	0.00	-1.61	-1.55	-1.21	-0.38
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.10	0.03	0.10	0.09
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	0.00
Income Quality	-4.87	1.88	-0.31	4.85	-1.57

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