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Fino Payments Bank Ltd.
Bank₹167.500.30%
24 Jul, 4:01 PM
CMP₹167.50
Mkt Cap₹1.43K Cr
P/E27.21
P/B1.85
ROE13.74%
52W High₹339.00
52W Low₹110.10
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Stock DNA
Key Ratios
P/E Ratio
27.21
P/B Ratio
1.85
EV/EBITDA
29.02
Price/Sales
5.75
Dividend Yield (%)
0.00
EPS (TTM ₹)
6.30
Book Value (₹)
92.56
ROE (%)
13.74
ROCE (%)
11.49
ROA (%)
2.43
EBITDA Margin (%)
55.50
Net Profit Margin (%)
47.40
Debt/Equity
1.17
Core EBITDA Growth (%)
4.99
Net Interest Margin (%)
2.71
Credit Deposit Ratio (%)
0.01
P&L
| Particulars | FY 2020-21 (Mar) | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) |
|---|---|---|---|---|---|
| Gross Sales | 202549 | 356279 | 948649 | 1500460 | 1952304 |
| Net Sales | 202549 | 356279 | 948649 | 1500460 | 1952304 |
| Total Income | 7910270 | 10088539 | 12299133 | 14783811 | 18471043 |
| Total Expenditure | 7705527 | 9661131 | 11648263 | 13920802 | 17387500 |
| Operating Profit | 204743 | 427408 | 650870 | 863009 | 1083543 |
| Depreciation | 535834 | 354504 | 418547 | 534456 | 621496 |
| Exceptional Items | — | — | — | — | — |
| Profit Before Tax | 204743 | 427408 | 650870 | 863009 | 1083543 |
| Tax | — | — | — | 769 | 158196 |
| Profit After Tax (PAT) | 204743 | 427408 | 650870 | 862240 | 925347 |
| EPS (₹) | 2.62 | 5.34 | 7.82 | 10.36 | 11.12 |
| Dividend Payout % | — | — | — | — | — |
Balance Sheet
| Particulars | FY 2020-21 (Mar) | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) |
|---|---|---|---|---|---|
| Share Capital | 445800 | 832143 | 832143 | 832143 | 832184 |
| Reserves | 1059675 | 3934315 | 4585185 | 5447425 | 6360800 |
| Shareholders Funds | 1505475 | 4798315 | 5525460 | 6431688 | 7468766 |
| Total Debt | 1807977 | 2496535 | 4340645 | 7126500 | 8394572 |
| Total Liabilities | 10102914 | 16800023 | 24664016 | 34191124 | 42059319 |
| Total Assets | 10102914 | 16800023 | 24664016 | 34191124 | 42059319 |
| Book Value / Share | 33.7702 | 57.2793 | 65.1009 | 75.4626 | 86.435 |
| Assets | 10102914 | 16800023 | 24664016 | 34191124 | 42059319 |
Cash Flows
| Particulars | FY 2020-21 (Mar) | FY 2021-22 (Mar) | FY 2022-23 (Mar) | FY 2023-24 (Mar) | FY 2024-25 (Mar) |
|---|---|---|---|---|---|
| Operating Activities | -322229 | 2074417 | -201018 | 567847 | 761940 |
| Investing Activities | -689464 | -643113 | -965329 | -1037597 | -1644540 |
| Financing Activities | 700074 | 3522152 | 1844110 | 2785855 | 1268990 |
| Net Cash Flow | -311619 | 4953456 | 677763 | 2316105 | 386390 |
FINOPB
₹167.50
-0.3%