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FINO Payments Bank Ltd. (FINOPB) Ratios
FINO Payments Bank Ltd. Ratios
IN:FINOPB's free cash flow for Q1 2027 was $0.00. For the 2027 fiscal year, IN:FINOPB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 1.35 | 0.51 | 2348.86 | 22558.18 |
| Quick Ratio | 0.00 | 1.35 | 0.51 | 4712.65 | 45239.67 |
| Cash Ratio | 0.00 | 1.32 | 0.50 | 2309.44 | 22079.63 |
| Solvency Ratio | 0.03 | 0.04 | 0.05 | 0.06 | 0.07 |
| Operating Cash Flow Ratio | 0.00 | -0.54 | 0.08 | -55.66 | 5978.15 |
| Short-Term Operating Cash Flow Coverage | 0.00 | -0.54 | 0.23 | -0.05 | 0.83 |
| Net Current Asset Value | $ -31.56B | $ -23.25B | $ -16.93B | $ -10.66B | $ -4.17B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.29 | 0.20 | 0.21 | 0.18 | 0.15 |
| Debt-to-Equity Ratio | 1.91 | 1.12 | 1.11 | 0.79 | 0.52 |
| Debt-to-Capital Ratio | 0.66 | 0.53 | 0.53 | 0.44 | 0.34 |
| Long-Term Debt-to-Capital Ratio | 0.66 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 6.60 | 5.63 | 5.32 | 4.46 | 3.50 |
| Debt Service Coverage Ratio | 1.13 | 0.16 | 0.18 | 0.22 | 0.30 |
| Interest Coverage Ratio | 0.59 | 1.08 | 1.09 | 1.37 | 2.79 |
| Debt to Market Cap | 1.56 | 0.42 | 0.29 | 0.26 | 0.12 |
| Interest Debt Per Share | 198.10 | 112.57 | 95.11 | 57.85 | 33.12 |
| Net Debt to EBITDA | 1.29 | -1.55 | -2.53 | -3.74 | -6.61 |
| Profitability Margins | |||||
| Gross Profit Margin | 92.76% | 87.07% | 87.57% | 90.42% | 96.11% |
| EBIT Margin | 4.27% | 13.93% | 13.60% | 13.16% | 10.86% |
| EBITDA Margin | 9.09% | 21.91% | 22.02% | 21.63% | 19.87% |
| Operating Profit Margin | 4.27% | 13.93% | 13.60% | 13.16% | 10.86% |
| Pretax Profit Margin | 4.27% | 13.93% | 13.60% | 13.16% | 10.86% |
| Net Profit Margin | 3.32% | 11.89% | 13.59% | 13.16% | 10.86% |
| Continuous Operations Profit Margin | 3.32% | 11.89% | 13.59% | 13.16% | 10.86% |
| Net Income Per EBT | 77.82% | 85.40% | 99.91% | 100.00% | 100.00% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.99% | 2.20% | 2.52% | 2.64% | 2.54% |
| Return on Equity (ROE) | 6.52% | 12.39% | 13.41% | 11.78% | 8.91% |
| Return on Capital Employed (ROCE) | 1.27% | 3.22% | 6.67% | 2.64% | 2.54% |
| Return on Invested Capital (ROIC) | 0.99% | 2.20% | 3.69% | 4.56% | 3.80% |
| Return on Tangible Assets | 0.99% | 2.20% | 2.52% | 2.64% | 2.54% |
| Earnings Yield | 5.33% | 4.68% | 3.54% | 3.83% | 2.12% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 35.91 | 93.17 | 91.68 | 91.98 |
| Payables Turnover | 0.00 | 84.26 | 86.25 | 131.18 | 418.20 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.06 | -0.02 |
| Fixed Asset Turnover | 4.34 | 2.61 | 3.25 | 3.41 | 4.24 |
| Asset Turnover | 0.30 | 0.19 | 0.19 | 0.20 | 0.23 |
| Working Capital Turnover Ratio | 1.92 | -1.03 | -6.51 | 0.61 | 0.81 |
| Cash Conversion Cycle | 0.00 | 5.83 | -0.31 | -6575.97 | -18765.39 |
| Days of Sales Outstanding | 0.00 | 10.16 | 3.92 | 3.98 | 3.97 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -6577.17 | -18768.49 |
| Days of Payables Outstanding | 0.00 | 4.33 | 4.23 | 2.78 | 0.87 |
| Operating Cycle | 0.00 | 10.16 | 3.92 | -6573.19 | -18764.52 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 17.25 | -53.97 | 19.45 | -2.42 | 25.93 |
| Free Cash Flow Per Share | 0.11 | -73.67 | 6.98 | -13.75 | 17.88 |
| Dividend Paid and CapEx Coverage Ratio | 1.01 | -2.74 | 1.56 | -0.21 | 3.22 |
| Capital Expenditure Coverage Ratio | 1.01 | -2.74 | 1.56 | -0.21 | 3.22 |
| Operating Cash Flow Coverage Ratio | 0.09 | -0.54 | 0.23 | -0.05 | 0.83 |
| Operating Cash Flow to Sales Ratio | 0.09 | -0.58 | 0.26 | -0.04 | 0.53 |
| Free Cash Flow Yield | 0.09% | -31.11% | 2.38% | -6.73% | 7.11% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.75 | 21.29 | 28.26 | 26.11 | 47.06 |
| Price-to-Sales (P/S) Ratio | 0.62 | 2.54 | 3.84 | 3.44 | 5.11 |
| Price-to-Book (P/B) Ratio | 1.22 | 2.65 | 3.79 | 3.08 | 4.19 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1080.86 | -3.21 | 41.96 | -14.85 | 14.06 |
| Price-to-Operating Cash Flow Ratio | 6.85 | -4.39 | 15.06 | -84.56 | 9.70 |
| Price-to-Earnings Growth (PEG) Ratio | -0.43 | 2.90 | 0.87 | 0.56 | 0.45 |
| Enterprise Value Multiple | 8.14 | 10.04 | 14.91 | 12.15 | 19.12 |
| Enterprise Value | 11.68B | 17.13B | 20.84B | 13.00B | 14.95B |
| EV to EBITDA | 8.14 | 10.04 | 14.91 | 12.15 | 19.12 |
| EV to Sales | 0.74 | 2.20 | 3.28 | 2.63 | 3.80 |
| EV to Free Cash Flow | 1283.83 | -2.78 | 35.88 | -11.36 | 10.45 |
| EV to Operating Cash Flow | 8.13 | -3.80 | 12.88 | -64.67 | 7.21 |
| Tangible Book Value Per Share | 96.70 | 89.43 | 77.28 | 66.40 | 59.97 |
| Shareholders’ Equity Per Share | 96.70 | 89.43 | 77.28 | 66.40 | 59.97 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.15 | 0.00 | 0.00 | 0.00 |
| Revenue Per Share | 189.64 | 93.17 | 76.24 | 59.41 | 49.19 |
| Net Income Per Share | 6.30 | 11.08 | 10.36 | 7.82 | 5.34 |
| Tax Burden | 0.78 | 0.85 | 1.00 | 1.00 | 1.00 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.14 | 0.10 | 0.09 | 0.08 | 0.10 |
| Stock-Based Compensation to Revenue | 0.00 | 0.02 | 0.01 | 0.02 | 0.01 |
| Income Quality | 2.74 | -4.87 | 1.88 | -0.31 | 4.85 |
Currency in INR
