Fino Payments Bank Ltd
FINOPBFino Payments Bank Ltd
FINOPBPrice Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
HighShowing good signs of profitability & efficiency
Entry point
AvgThe stock is overpriced but is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
---|---|---|
28.18 | 4.40 | — |
Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
---|---|---|
17.94 | 2.65 | 0.82% |
Forecast & Ratings
Detailed Forecast from 1 analyst
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Fino Payments Bank Limited (FPBL) is an India-based scheduled commercial bank, which is engaged in providing digital based financial services.
Investor Presentation
View olderPeers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Axis Bank Ltd
Kotak Mahindra Bank Ltd
Indusind Bank Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
Financial Year | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Revenue | 230.18 | 371.12 | 691.40 | 791.02 | 1,008.86 | 1,229.91 | 1,478.38 | 1,478.39 | ||||||||
Raw Materials | — | — | — | — | — | — | 1,392.08 | 1,392.08 | ||||||||
Power & Fuel Cost | — | — | — | — | — | — | ||||||||||
Employee Cost | 111.36 | 127.20 | 123.88 | 114.71 | 133.26 | 155.61 | ||||||||||
Selling & Administrative Expenses | 57.53 | 46.11 | 49.30 | 49.06 | 69.33 | 70.19 | ||||||||||
Operating & Other expenses | 112.55 | 241.94 | 526.69 | 553.19 | 728.08 | 897.18 | ||||||||||
EBITDA | -51.26 | -44.13 | -8.47 | 74.06 | 78.19 | 106.93 | 86.30 | 86.31 | ||||||||
Depreciation/Amortization | 16.09 | 18.26 | 23.57 | 53.58 | 35.45 | 41.85 | 0.00 | — | ||||||||
PBIT | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.30 | 86.31 | ||||||||
Interest & Other Items | — | — | — | — | — | — | — | — | ||||||||
PBT | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.30 | 86.31 | ||||||||
Taxes & Other Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.08 | ||||||||
Net Income | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.22 | 86.23 | ||||||||
EPS | -8.63 | -8.00 | -4.11 | 2.63 | 5.30 | 7.82 | 10.36 | 10.36 | ||||||||
DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||
Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Company Updates
Investor Presentation
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
---|---|---|---|
Fino Payments Bank Ltd | 28.18 | 4.40 | — |
HDFC Bank Ltd | 19.21 | 2.62 | 1.20% |
ICICI Bank Ltd | 19.05 | 3.81 | 0.83% |
Axis Bank Ltd | 13.78 | 2.31 | 0.08% |
Price Comparison
Compare FINOPB with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 3 Mutual Funds holding Fino Payments Bank Ltd
Funds (Top 3) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
---|---|---|---|---|
Motilal Oswal Balanced Advantage Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.7328% | Percentage of the fund’s portfolio invested in the stock 5.41% | Change in the portfolio weight of the stock over the last 3 months -0.02% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 7/39 (0) |
Motilal Oswal Focused Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.0020% | Percentage of the fund’s portfolio invested in the stock 2.47% | Change in the portfolio weight of the stock over the last 3 months 0.11% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 14/25 (+4) |
Tata Banking And Financial Services Fund Direct Plan Growth Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.6560% | Percentage of the fund’s portfolio invested in the stock 0.72% | Change in the portfolio weight of the stock over the last 3 months -0.08% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 32/36 (0) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividends
FINOPB has not given any dividends in last 5 years
Dividends
Corp. Actions
Announcements
Legal Orders
Dividends
Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 31 July 2024.Powered by Capital Market - Live
Windsor Machines Ltd leads gainers in ‘B’ group
Will take 2 years before we move from a payments bank to a SFB: Rishi Gupta, Fino Payments Bank
Fino Payments Bank jumps 5% after Q1 net profit soars 85%
Stocks To Watch: Piramal Enterprises, Fino Payments Bank, Adani Green, Maruti Suzuki, Powergrid, Marico
Fino Payments Bank board approves proposal to apply for SFB license
Fino Payments Bank Q1 net profit soars 85%, gets board approval to apply for SFB
Fino Payments Bank To Transition To Small Finance Bank
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 31.84%, vs industry avg of 16.98%
Increasing Market Share
Over the last 5 years, market share increased from 0.07% to 0.13%