Fino Payments Bank financials

Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹334cr−16.6% on Q2 FY26
Net interest income
₹39.0cr+20.0% on Q2 FY26
Net profit
−₹20.9cr₹15.4 cr in Q2 FY26
EPS
−₹2.51₹1.84 in Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income334400−16.6%
Net interest income39.032.5+20.0%
Operating profit−20.921.2—
Net profit−20.915.4—
EPS−₹2.51₹1.84—

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹334 crNet profit₹−20.9 crNet interest margin2.7%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024
1,023———
274248195150
—+27.1%+30.1%—
14513494.771.2
—+41.5%+33.0%—
2.8%2.8%2.5%2.1%
−8.771.810886.9
−15.352.592.586.2
—−43.3%+7.3%—
−₹1.83₹6.30₹11.12₹10.36
—−43.3%+7.3%—
6.8%6.8%13.3%13.4%
Balance sheet & asset quality
2,2992,3791,9391,413
0.00.10.20.1
Open the chart

From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

FINOPB₹122.98

Fino Payments Bank Limited

· Banking & Finance
₹ CrorePeersCAPITALSFBSURYODAYUTKARSHBNKMcap ₹1,023 Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization———1,023.4
Interest Earned150.1195.2248.2273.8
Growth %, YoY—+30.1+27.1—
Net Interest Income71.294.7133.9144.7
Growth %, YoY—+33.0+41.5—
NIM %, on assets2.082.482.812.81
Operating Profit (PPOP)86.9108.471.8-8.7
Net Income86.292.552.5-15.3
Growth %, YoY—+7.3-43.3—
EPS, Adj (current shares)10.3611.126.30-1.83
Growth %, YoY—+7.3-43.3—
ROE %13.4113.316.766.76
Balance Sheet & Asset Quality
Deposits1,412.51,939.42,379.52,299.4
Advances0.10.20.10.0
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Fino Payments Bank financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

Fino Payments Bank (NSE: FINOPB) had a market capitalisation of ₹1,023 crore at the previous close (₹122.98 a share) and a price-to-book ratio of 1.33. In FY26 its standalone net profit was ₹52.5 crore on net interest income of ₹134 crore; in Q2 FY27 (July–September 2026) it was a loss of ₹20.9 crore. Gross NPAs were 0.00% of advances on 30 September 2026. Promoters held 75.00% of the shares on 30 September 2026.

Share price used
₹122.98 · previous close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Fino Payments Bank at a glance · consolidated

Market cap
₹1,023 Crat ₹122.98 · previous close
PE ratio
n/aloss over the last 4 quarters
Price to book (PB)
1.33book value ₹92.61 a share
ROE (FY26)
6.8%−6.6 pts vs FY25
Gross NPA
0.00%0.00% in Q2 FY26net NPA 0.00% · Q2 FY27
Promoter holding
75.00%unchanged vs 30 Jun 202630 September 2026
Net worth
₹771 Cr−2.0% vs 30 Sep 202530 September 2026
CET1 ratio
70.94%30 September 2026
EPS (FY26)
₹6.30

Questions

What is the Fino Payments Bank PE ratio today?

Fino Payments Bank's PE ratio is not meaningful at the previous close: its consolidated net profit over the last four quarters (Q3 FY26 to Q2 FY27) was a loss of ₹15.3 crore, and a price-to-earnings ratio needs positive earnings. Its market capitalisation was ₹1,023 crore at ₹122.98 a share.

What is the Fino Payments Bank PB ratio (price to book value)?

Fino Payments Bank's price-to-book (PB) ratio is 1.33 at the previous close: a market capitalisation of ₹1,023 crore divided by shareholders' equity (book value) of ₹771 crore on 30 September 2026. That is a book value of ₹92.61 per share against a share price of ₹122.98.

What is the Fino Payments Bank book value per share?

Fino Payments Bank's book value per share was ₹92.61 on 30 September 2026: shareholders' equity of ₹771 crore divided by the 8.32 crore shares in issue, down 2.0% from ₹94.48 a year earlier. The share price at the previous close was ₹122.98.

What is the Fino Payments Bank market cap?

Fino Payments Bank's market capitalisation was ₹1,023 crore at the previous close: 8.32 crore shares at ₹122.98 each.

What is the Fino Payments Bank ROE?

In FY26, Fino Payments Bank's return on equity (ROE) was 6.8%. ROE is net profit divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 13.3%.

What is the Fino Payments Bank capital adequacy ratio?

Fino Payments Bank's common equity tier 1 (CET1) ratio was 70.94% on 30 September 2026.

What is the Fino Payments Bank net worth?

Fino Payments Bank's net worth — shareholders' equity in its consolidated balance sheet — was ₹771 crore on 30 September 2026, down 2.0% from ₹786 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,023 crore at the previous close.

What are the Fino Payments Bank deposits and advances?

On 30 September 2026, Fino Payments Bank's deposits were ₹2,299 crore, up 10.0% from a year earlier, and its advances (loans) were ₹4 lakh, down 69.2% from a year earlier.

What is the Fino Payments Bank promoter holding?

Promoters held 75.00% of Fino Payments Bank on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

What is the Fino Payments Bank EPS?

Fino Payments Bank's basic earnings per share (EPS) were ₹6.30 in FY26, against ₹11.12 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to −₹1.84.

What is the Fino Payments Bank NPA?

Fino Payments Bank's gross non-performing assets (NPAs) were 0.00% of gross advances, on 30 September 2026 (0.00% a year earlier). Net NPAs were 0.00% of net advances (0.00% a year earlier).

What is the Fino Payments Bank CD ratio (credit-deposit ratio)?

Fino Payments Bank's credit-deposit ratio was 0.0% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What is the Fino Payments Bank shareholding pattern?

On 30 September 2026, Fino Payments Bank's shares were held by promoters 75.00%, foreign portfolio investors (FII/FPI) 0.03%, domestic institutions (DII) 0.00% (including mutual funds at 0.00%) and retail and other non-institutional investors 24.97%. Over the year, FII holding was down 2.64 percentage points from 2.67% and DII holding was down 3.35 percentage points from 3.35%.

What are the Fino Payments Bank latest quarterly results?

Fino Payments Bank's latest results are for Q2 FY27 (July–September 2026), filed on 29 October 2026: standalone net loss ₹20.9 crore, against a profit of ₹15.4 crore in Q2 FY26; net interest income ₹39 crore, up 20.0% year on year.

What is the Fino Payments Bank revenue and profit in FY26?

In FY26 (April 2025–March 2026), Fino Payments Bank's standalone net profit was ₹52.5 crore, down 43.3% from ₹92.5 crore in FY25, on net interest income of ₹134 crore (up 41.5%). Over three years, from FY22, net profit was up 22.7%.

When are the Fino Payments Bank next results?

Fino Payments Bank has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does Fino Payments Bank compare with its peers?

On FY26 consolidated figures, against Capital Small Finance Bank, Suryoday Small Finance Bank and Utkarsh Small Finance Bank: Fino Payments Bank's return on equity of 6.8% is the third highest of the four (Capital Small Finance Bank 10.1%, Suryoday Small Finance Bank 7.6%, Utkarsh Small Finance Bank −40.0%; peer average −7.4%); its return on assets of 1.10% is the second highest of the four (Capital Small Finance Bank 1.27%, Suryoday Small Finance Bank 0.86%, Utkarsh Small Finance Bank -4.04%; peer average -0.64%); its gross NPA ratio of 0.00% is the lowest of the four (Capital Small Finance Bank 2.54%, Suryoday Small Finance Bank 6.55%, Utkarsh Small Finance Bank 7.71%; peer average 5.60%).

Fino Payments Bank vs Capital Small Finance Bank: how do they compare?

In FY26, Fino Payments Bank earned net profit of ₹52.5 crore, against ₹141 crore for Capital Small Finance Bank. Fino Payments Bank's return on equity was 6.8% (Capital Small Finance Bank 10.1%) and its gross NPA ratio 0.00% (Capital Small Finance Bank 2.54%).

Where do these Fino Payments Bank figures come from?

From Fino Payments Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.