Fino Payments Bank Ltd
FINOPBFino Payments Bank Ltd
FINOPB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
AvgFinancials growth has been moderate for a few years
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 |
|---|---|---|
| 28.91 | 4.20 | — |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.87 | 2.49 | 0.97% |
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.
Peers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Kotak Mahindra Bank Ltd
Axis Bank Ltd
IDBI 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 | 1,478.39 | 1,663.77 | ||||||||
Raw Materials | — | — | — | — | — | — | — | 1,565.48 | ||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | |||||||||
| Employee Cost | 111.36 | 127.20 | 123.88 | 114.71 | 133.26 | 155.61 | 177.37 | |||||||||
| Selling & Administrative Expenses | 57.53 | 46.11 | 49.30 | 49.06 | 69.33 | 70.19 | 81.08 | |||||||||
| Operating & Other expenses | 112.55 | 241.94 | 526.69 | 553.19 | 728.08 | 897.18 | 1,080.18 | |||||||||
EBITDA | -51.26 | -44.13 | -8.47 | 74.06 | 78.19 | 106.93 | 139.76 | 98.29 | ||||||||
| Depreciation/Amortization | 16.09 | 18.26 | 23.57 | 53.58 | 35.45 | 41.85 | 53.45 | — | ||||||||
| PBIT | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.31 | 98.29 | ||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | ||||||||
| PBT | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.31 | 98.29 | ||||||||
| Taxes & Other Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 4.86 | ||||||||
| Net Income | -67.35 | -62.39 | -32.04 | 20.48 | 42.74 | 65.08 | 86.23 | 93.43 | ||||||||
| EPS | -8.63 | -8.00 | -4.11 | 2.63 | 5.30 | 7.82 | 10.36 | 11.23 | ||||||||
| 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
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Fino Payments Bank Ltd | 31.32 | 4.20 | — |
| HDFC Bank Ltd | 21.62 | 2.95 | 1.07% |
| ICICI Bank Ltd | 20.96 | 3.43 | 0.76% |
| Kotak Mahindra Bank Ltd | 19.43 | 2.72 | 0.11% |
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
Increased Total Retail Holding
In last 3 months, retail holding in the company has increased by 1.15%
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 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 4 Mutual Funds holding Fino Payments Bank Ltd
| Funds (Top 4) | 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 2.9879% | Percentage of the fund’s portfolio invested in the stock 6.99% | Change in the portfolio weight of the stock over the last 3 months 0.13% | 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 8/38 (-1) |
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 2.4238% | Percentage of the fund’s portfolio invested in the stock 3.48% | Change in the portfolio weight of the stock over the last 3 months 0.07% | 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 10/25 (+1) |
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 0.7504% | Percentage of the fund’s portfolio invested in the stock 0.85% | Change in the portfolio weight of the stock over the last 3 months -0.14% | 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 32/40 (-1) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
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
Hmm, looks like data is unavailable here. Please come back after some timeNet profit of Fino Payments Bank rose 8.35% to Rs 21.15 crore in the quarter ended September 2024 as against Rs 19.52 crore during the previous quarter ended September 2023. Total Operating Income rose 30.69% to Rs 47.74 crore in the quarter ended September 2024 as against Rs 36.53 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income47.7436.53 31 OPM %-747.13-776.51 - PBDT25.9319.52 33 PBT25.9319.52 33 NP21.1519.52 8 Powered by Capital Market - Live
Fino Payments Bank will hold a meeting of the Board of Directors of the Company on 23 October 2024.Powered by Capital Market - Live
Fino Payments Bank announced that the 8th Annual General Meeting (AGM) of the bank will be held on 25 September 2024.Powered by Capital Market - Live
Fino Payments Bank Q1 Results: Profit jumps 30% to Rs 24.3 crore, digital business grows 15%
Fino Payments Bank standalone net profit rises 29.79% in the June 2024 quarter
Net profit of Fino Payments Bank rose 29.79% to Rs 24.27 crore in the quarter ended June 2024 as against Rs 18.70 crore during the previous quarter ended June 2023. Total Operating Income rose 37.49% to Rs 45.33 crore in the quarter ended June 2024 as against Rs 32.97 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Total Operating Income45.3332.97 37 OPM %-757.49-852.87 - PBDT24.2718.70 30 PBT24.2718.70 30 NP24.2718.70 30 Powered by Capital Market - Live
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
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 31.84%, vs industry avg of 16.68%
Increasing Market Share
Over the last 5 years, market share increased from 0.07% to 0.12%