- Next results date: the board meets on 29 Oct 2026 to consider: financial results.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹1,011 Cr1,316th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 13 Aug 2026
- 48.2
- P/E without one-offsPrice to earnings without one-off items. Market cap divided by core profit: the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, less one-off items (exceptional items and the result of businesses sold or closed). Shown where the one-off items move that profit by more than a tenth. The last twelve months' profit includes −₹4.39 crore of one-off items, the largest of them in the quarter to Dec 2025.
- 39.9
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 29 Apr 2026
- 1.3
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 13 Aug 2026
- 2.7%
- ROE without one-offsReturn on equity without one-off items. Core profit, the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders less one-off items (exceptional items and the result of businesses sold or closed), as a percentage of the same net worth as the return on equity. Shown where the one-off items move that profit by more than a tenth. The last twelve months' profit includes −₹4.39 crore of one-off items, the largest of them in the quarter to Dec 2025.
- 3.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 3.45%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Jun 2026.
- 0.00%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Jun 2026.
- 0.00%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Jun 2026.
- 73.46%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 1.10%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 2,67,56446.6% delivered
Results
Standalone; ₹ crore, the charts by years to March, the table by quarter. Total income is interest earned plus other income, fees and treasury gains among it.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 13 Aug
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹307 Crdown 9.74%
- Net profitNet profit. Under it, net profit in the quarter before. A change in per cent is not worked out where either period is a loss or nothing.
- −₹14 CrQuarter to Mar 2026: ₹7.10 Cr
Total income by year
Peak total income ₹1,847 Cr, year to Mar 2025
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 5 Nov | Dec 2024Filed 29 Jan | Mar 2025Filed 28 Apr | Jun 2025Filed 30 Jul | Sep 2025Filed 29 Oct | Dec 2025Filed 29 Jan | Mar 2026Filed 29 Apr | Jun 2026Filed 13 Aug |
|---|---|---|---|---|---|---|---|---|
| Total income | 455 | 461 | 493 | 453 | 400 | 394 | 340 | 307 |
| Net profit | 21 | 23 | 24 | 18 | 15 | 12 | 7 | −14 |
Standalone. The last eight quarters. The latest is shaded.
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹846 Crdown 31.14%53.3%
- Retail BankingRetail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹494 Crup 16.44%31.1%
- TreasuryTreasury, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹248 Crup 27.49%15.6%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer. Dividend yield is not shown: no dividend in the years on record.PE ratio and valuation history
Price to earningsPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
At or below today's level on 86% of 1,099 trading days since May 2022.
LowestHighest
Its median29.4Industry median10.3
Price to bookPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet.
At or below today's level on 1% of 1,099 trading days since May 2022.
LowestHighest
Its median3.6Industry median1.0
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −48.2% | −43.3% | −8.5% | 0.0% |
| 3 years | −16.7% | −7.0% | −10.5% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Peers and competitors
Other Bank, 9 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to Fino Payments Bank in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 AU Small Finance BankAUBANK | 70,095 | 24.5 | 3.5 | +15.0% | +30.8% | 15.4% | 1.51% | 5.58% | 0.11% |
 Ujjivan Small Finance BankUJJIVANSFB | 11,336 | 9.9 | 1.5 | +20.9% | +175.6% | 16.6% | 1.32% | 8.07% | 0.00% |
 Equitas Small Finance BankEQUITASBNK | 7,526 | 14.7 | 1.2 | +9.2% | – | 8.4% | 0.18% | 6.85% | 0.00% |
 Jana Small Finance BankJSFB | 4,055 | 10.7 | 0.9 | +17.5% | −12.3% | 8.8% | 0.76% | 6.61% | 0.00% |
 Utkarsh Small Finance BankUTKARSHBNK | 2,130 | – | 0.8 | −12.0% | – | −32.9% | −4.04% | 5.90% | 0.00% |
 ESAF Small Finance BankESAFSFB | 2,004 | – | 1.1 | +10.8% | – | −0.3% | −0.57% | 9.53% | 0.00% |
 Suryoday Small Finance BankSURYODAY | 1,408 | 7.3 | 0.7 | +21.2% | +139.3% | 9.6% | 0.86% | 7.25% | 1.13% |
 Capital Small Finance BankCAPITALSFB | 1,178 | 7.8 | 0.8 | +15.7% | +12.8% | 10.8% | 1.27% | 4.46% | 1.93% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
22 Oct · General Updates
14 Oct · General Updates
7 Oct · General Updates
1 Oct · Board meeting
Fino Payments Bank share price by year
Each calendar year to 2025.Fino Payments Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 261.80 | −17.5% | 340.00 | 200.93 |
| 2024 | 317.40 | +21.6% | 456.60 | 255.15 |
| 2023 | 260.95 | +3.1% | 372.25 | 198.80 |
| 2022 | 253.05 | −31.8% | 424.35 | 185.10 |
| 2021 | 370.90 | – | 543.90 | 370.90 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2021 is from its first session, 12 Nov 2021.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 125.74 | 125.74 | 119.00 | 121.54 | 121.02 | 2,67,564 | 46.6% |
| 22 Oct 2026 | 125.65 | 128.00 | 123.10 | 125.74 | 125.29 | 1,75,902 | 30.1% |
| 21 Oct 2026 | 131.42 | 131.47 | 124.91 | 125.65 | 127.17 | 1,87,437 | 43.2% |
| 19 Oct 2026 | 134.47 | 134.50 | 130.22 | 131.42 | 131.43 | 1,31,384 | 39.0% |
| 16 Oct 2026 | 132.75 | 135.51 | 130.25 | 134.10 | 133.02 | 1,63,857 | 36.5% |
| 15 Oct 2026 | 134.65 | 135.11 | 132.16 | 132.75 | 133.27 | 1,37,160 | 46.8% |
| 14 Oct 2026 | 135.85 | 136.98 | 133.44 | 135.48 | 135.23 | 1,64,316 | 32.4% |
| 13 Oct 2026 | 135.81 | 136.67 | 131.54 | 135.81 | 133.58 | 3,37,385 | 29.3% |
| 12 Oct 2026 | 139.80 | 140.44 | 134.46 | 135.81 | 136.15 | 6,24,672 | 35.1% |
| 9 Oct 2026 | 140.00 | 145.30 | 137.51 | 139.42 | 142.31 | 26,86,762 | 10.9% |
Prices in ₹ per share as traded, not adjusted.
Company details
- Legal name
- Fino Payments Bank Limited
- NSE symbol
- FINOPB
- BSE code
- 543386
- ISIN
- INE02NC01014
- Industry
- Banks
- Listed
- Nov 2021
- Face value
- ₹10
- CIN
- L65100MH2007PLC171959
- Corporate identity number, the registrar of companies' code for it