Flash Finance

Fino Payments Bank LimitedFINOPBBank / NBFC

Banks - Private Sector Latest results: Jun 2026 14 quarters of data
₹134.10
MCap ₹1,116 Cr · P/E 53.2
Fino Payments Bank Limited — Stock analysis & AI research Fino Payments Bank Limited — Multibagger AI analysis Fino Payments Bank Limited — Seasonality — best & worst months Fino Payments Bank Limited — Technical setup — score, trend, support & resistance Fino Payments Bank Limited — Live exchange announcements
📋 High Sales Growth Stocks📋 High Promoter Holding Stocks 📈 Multi-Timeframe Bearish Stocks📈 Accumulation (OBV Rising) 🏭 Bank sector
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹72 Cr
Interest Earned · Jun 2026
+18.4% YoY
₹-14 Cr
Operating Profit · Jun 2026
₹-14 Cr
Net Profit · Jun 2026
-177.3% YoY
₹-1.65
EPS · Jun 2026
-177.5% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 Fino Payments Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Fino Payments Bank Limited reported total income of ₹307 crore for the quarter ended June 2026 (Q1 FY27), down 32.3% from ₹453 crore in the same quarter last year, and down 9.4% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹72 crore and other income ₹235 crore. Net interest income (interest earned minus interest expended of ₹35 crore) worked out to ₹37 crore.

The company reported a net loss of ₹14 crore, against a net profit of ₹18 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-1.65.

Full year and trailing twelve months

For the full year FY26, Fino Payments Bank Limited posted total income of ₹1,584 crore, a decline of 14.3% over FY25, with a net profit of ₹52 crore (down 43.3% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹1,437 crore with a net profit of ₹21 crore.

Valuation snapshot

At the current price of ₹134.10, FINOPB has a market capitalisation of ₹1,116 crore and a trailing P/E of about 53.2.

Within the Banks - Private Sector industry, it is the 14th-largest of the 14 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 75.00%, foreign institutional investors (FIIs) 0.31%, public shareholders 24.69% of Fino Payments Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹1,116 Cr
Current Price ?
₹134.1
P/E ?
53.19above ind
Industry P/E ?
9.00
P/B ?
1.45
P/S ?
0.78
P/FCF ?
-2.49
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
1.9%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹1,437 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹21 Cr
EPS (TTM) ?
₹2.52
ROCE ?
N/A
ROE ?
2.7%
ROA ?
0.4%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹307 Cr
PAT — latest qtr ?
₹-14 Cr
YoY qtr sales growth ?
-32.3%
YoY qtr profit growth ?
-177.3%
Sales growth (3y) ?
38%
Sales growth (5y) ?
65%
Profit growth (3y) ?
-5%
Profit growth (5y) ?
21%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
75.00%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-23.0%
Return 6 months ?
-5.7%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 2933373941454849536160636472 +18.4% +12.7%
Other Income 294315322331360392408412441392340328275235 -40.2% -14.5%
Total Income 323348359370401437455461493453400391339307 -32.3% -9.4%
Interest Expended 1415192223242526262828292935 +24.5% +22.3%
Operating Profit —————————————-14 — —
Provisions —————————————— — —
Profit Before Tax 2219202325242628302521174-14 -155.7% -434.6%
Net Profit 2219202325242123241815127-14 -177.3% -293.2%
EPS 2.652.252.352.743.032.922.542.782.882.131.841.470.85-1.65 -177.5% -294.1%
Gross NPA % — — — — — — — — — — — — — — — —
Net NPA % — — — — — — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — 82.58% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹195 Cr ₹248 Cr ₹259 Cr +27.1%
Other Income ₹1,652 Cr ₹1,335 Cr ₹1,178 Cr -19.2%
Total Income ₹1,847 Cr ₹1,584 Cr ₹1,437 Cr -14.3%
Interest Expended ₹101 Cr ₹114 Cr ₹121 Cr +13.6%
Net Interest Income ₹95 Cr ₹134 Cr ₹138 Cr +41.5%
Operating Profit — — ₹-14 Cr —
Provisions — — — —
Profit Before Tax ₹108 Cr ₹67 Cr ₹29 Cr -37.8%
Tax — — — —
Net Profit ₹93 Cr ₹52 Cr ₹21 Cr -43.3%
EPS ₹11.12 ₹6.29 ₹2.51 -43.4%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 83838383 +0.0%
Reserves 469560664687 +3.5%
Deposits 9171,4131,9392,379 +22.7%
Borrowing 4347138391,535 +83.0%
Other Liabilities 563651680627 -7.8%
Total Liabilities 2,4663,4194,2065,312 +26.3%
Fixed Assets 139148167364 +118.0%
CWIP 5471300 -100.0%
Investments 1,1461,7472,3883,254 +36.3%
Other Assets 1,1751,4771,5201,693 +11.4%
Total Assets 2,4663,4194,2065,312 +26.3%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -205776-307 -503.9%
Cash from Investing Activity -97-104-164-143 +12.8%
Cash from Financing Activity 184279127696 +448.0%
Net Cash Flow 6823239246 +530.8%
Free Cash Flow -114-47-88-449 -410.2%
CFO/OP 2%-5%-6%25% +516.7%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 13%14%13%7% -46.2%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 75.00%75.00%75.00%75.00%75.00% +0.0%
FIIs 2.54%2.67%2.69%1.33%0.31% -76.7%
DIIs 3.04%3.35%0.45%0.40%— —
Public 19.43%19.00%21.87%23.27%24.69% +6.1%
No. of Shareholders 63,09361,62261,48362,35862,125 -0.4%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was Fino Payments Bank Limited's total income in Q1 FY27?
Fino Payments Bank Limited reported total income of ₹307 crore for the quarter ended June 2026 (Q1 FY27), down 32.3% from ₹453 crore in the same quarter last year, and down 9.4% sequentially over the March 2026 quarter.
What was Fino Payments Bank Limited's net profit in Q1 FY27?
The company reported a net loss of ₹14 crore, against a net profit of ₹18 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-1.65.
What is FINOPB's market capitalisation and P/E ratio?
At the current price of ₹134.10, FINOPB has a market capitalisation of ₹1,116 crore and a trailing P/E of about 53.2.
Who owns Fino Payments Bank Limited? (shareholding pattern)
As of Jun 2026, promoters held 75.00%, foreign institutional investors (FIIs) 0.31%, public shareholders 24.69% of Fino Payments Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI