| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 334 | 400 | −16.6% |
| Net interest income | 39.0 | 32.5 | +20.0% |
| Operating profit | −20.9 | 21.2 | — |
| Net profit | −20.9 | 15.4 | — |
| EPS | −₹2.51 | ₹1.84 | — |
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.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 |
|---|
| 1,023 | — | — | — | |
| 274 | 248 | 195 | 150 | |
| — | +27.1% | +30.1% | — | |
| 145 | 134 | 94.7 | 71.2 | |
| — | +41.5% | +33.0% | — | |
| 2.8% | 2.8% | 2.5% | 2.1% | |
| −8.7 | 71.8 | 108 | 86.9 | |
| −15.3 | 52.5 | 92.5 | 86.2 | |
| — | −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 | ||||
| 2,299 | 2,379 | 1,939 | 1,413 | |
| 0.0 | 0.1 | 0.2 | 0.1 | |
From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.
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 Earned | 150.1 | 195.2 | 248.2 | 273.8 | |
| Growth %, YoY | — | +30.1 | +27.1 | — | |
| Net Interest Income | 71.2 | 94.7 | 133.9 | 144.7 | |
| Growth %, YoY | — | +33.0 | +41.5 | — | |
| NIM %, on assets | 2.08 | 2.48 | 2.81 | 2.81 | |
| Operating Profit (PPOP) | 86.9 | 108.4 | 71.8 | -8.7 | |
| Net Income | 86.2 | 92.5 | 52.5 | -15.3 | |
| Growth %, YoY | — | +7.3 | -43.3 | — | |
| EPS, Adj (current shares) | 10.36 | 11.12 | 6.30 | -1.83 | |
| Growth %, YoY | — | +7.3 | -43.3 | — | |
| ROE % | 13.41 | 13.31 | 6.76 | 6.76 | |
| Balance Sheet & Asset Quality | |||||
| Deposits | 1,412.5 | 1,939.4 | 2,379.5 | 2,299.4 | |
| Advances | 0.1 | 0.2 | 0.1 | 0.0 | |
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.
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.
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.
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.
Fino Payments Bank's market capitalisation was ₹1,023 crore at the previous close: 8.32 crore shares at ₹122.98 each.
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%.
Fino Payments Bank's common equity tier 1 (CET1) ratio was 70.94% on 30 September 2026.
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.
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.
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.
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.
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).
Fino Payments Bank's credit-deposit ratio was 0.0% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
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%.
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.
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%.
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.
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%).
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%).
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.