FINOPB139.65

Fino Payments Bank Limited

· Banking & Finance
₹ CrorePeersCAPITALSFBSURYODAYUTKARSHBNKMcap ₹1,162 Cr
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In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation53.565.498.8
+ Share-based Payments4.412.47.4
+ Other Non-cash Items5.40.00.0
+ Other Reconciling Items-0.05.09.6
Changes in Working Capital
+ Other Current Assets-668.60.0-817.6
+ Trade Payables0.0-653.50.0
+ Other Current Liabilities578.1551.2342.8
+ Provisions-2.30.00.0
Total Working Capital Changes-92.8-102.2-474.8
Cash from Operating Activities
Profit Before Tax (per I/S)86.3108.467.429.1
+ Total Adjustments (incl. Working Capital)-29.5-19.4-359.0
Cash from Operations (pre-tax)56.889.0-291.6
+ Income Taxes Paid0.012.815.1
Cash from Operating — before Extraordinary Items56.876.2-306.7
Cash from Operating Activities56.876.2-306.7
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)103.854.7142.7
+ Acq of Intangible Assets0.0109.80.0
+ Disp of Fixed Assets0.00.00.0
+ Disp of Intangible Assets0.00.10.0
Cash from Investing — before Extraordinary Items-103.8-164.5-142.7
Cash from Investing Activities-103.8-164.5-142.7
Cash from Financing Activities
+ Proceeds from Issue of Shares (unclassified)0.00.10.0
+ Proceeds from Borrowings278.6126.80.0
+ Repayment of Borrowings0.00.0-695.8
Cash from Financing — before Extraordinary Items278.6126.9695.8
Cash from Financing Activities278.6126.9695.8
Net Changes in Cash (pre-FX)231.638.6246.4
Net Changes in Cash231.638.6246.4
Closing Cash1,065.6
Reference Items
EBITDA-1,242.0-1,543.5-1,272.3-1,152.9
EBITDA Margin %-79.99
Free Cash Flow (CFO − Capex)-47.0-88.3-449.4-449.4
Free Cash Flow per Basic Share-5.65-10.61-54.01-54.01
Cash Flow to Net Income0.660.82-5.85
Cash Paid for Taxes0.012.815.1
As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA 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 agreementXBRL cross-verified ✓ 95%.