Fino Payments Bank Limited

NSE

FINOPB

Stock

Yield per half year: -6.43%
Dividend yield: 0%
Sector: Financials

Reporting Fino Payments Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				34.33	22.36	22.13			21.25	26.27	-13.62
Выручка, млрд ₹	2.36	1.9	2.43	3.18	3.78	11.83	5.56	17.47	5.56	8.36	40.60
Чистая прибыль, млрд ₹	-0.6734	-0.6238	-0.3204	0.2047	0.4274	0.6508	0.8622	0.9253	0.8622	0.6141	35.22
EV, млрд ₹		-3.05	-1.91	-0.9002	16.47	12.96	13.11		13.11	7.95	-247.00
EBIT, млрд ₹	-1.35	-0.8064	-0.556	-0.3311	0.0729	0.2323	-1.4		-1.4	-0.3964	20.28
EBITDA, млрд ₹	-0.6734	-0.6238	-0.3204	0.2047	0.4274	0.6509	-0.863		-0.863	0.0199	21.92
OIBDA, млрд ₹			-0.556	-0.3311	0.0729	0.2323	-0.8568		-0.8568	-0.2877	9.03
Баланс стоимость, млрд ₹	2.24	1.62	1.3	1.51	4.8	5.53	6.43	7.47	6.43	5.15	37.68
FCF, млрд ₹	-2.54	0.1486	-1.15	-1.01	1.43	-1.14	-0.47	-0.8832	-0.47	-0.4146	-2.65
Операционный денежный поток, млрд ₹	-2.21	0.2864	-0.8367	-0.3222	2.07	-0.201	-4.39	0.7619	-4.39	-0.4163	-218.78
Операционная прибыль, млрд ₹	-0.6734	-0.8064	-0.556	-0.3311	0.0729	0.2323	0.8685		0.8685	0.0573	-209.33
Операционные расходы, млрд ₹	3.04	2.51	2.74	2.93	3.35	11.17	4.69		4.69	4.98	11.35
CAPEX, млрд ₹	0.3362	0.1378	0.3093	0.6904	0.6435	0.9434	1.04	1.65	1.04	0.9935	19.04

	2020Q2	2020Q3	2020Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ₹						34.33				18.21				23.64						25.39	-11.69
Выручка, млрд ₹										3.01	3.09	3.48	3.4	3.49	4.01	4.37	4.55	4.36	4.68	4.39	3.14
Чистая прибыль, млрд ₹										0.191	0.2209	0.187	0.1952	0.228	0.252	0.2427	0.2115	0.2311	0.24	0.2355	-0.97
EV, млрд ₹							16.75		20.01		12.96		29.08		20.2		32.87			23.02	10.44
EBIT, млрд ₹								0.2789	0.276	0.382	0.4417	0.374	0.3904	0.456	0.7347	-2.67	0.5098			-0.1158	5.48
EBITDA, млрд ₹								0.1779	0.138	0.191	0.2209	0.187	0.1952	0.228	0.4818	-2.91	0.2593			-0.3491	5.84
OIBDA, млрд ₹														0.228	0.4826	-2.91	0.5576			-0.4105	25.05
Баланс стоимость, млрд ₹									5.08	5.08	5.53	5.53	5.92	5.92	6.43	6.43	6.91		7.47	6.63	4.76
FCF, млрд ₹	0.2951	-0.0776		-0.8676	-0.2354		0.0319				0.0763									-0.2145	-199.66
Операционный денежный поток, млрд ₹	0.3495	0.0469	-0.6102	-0.6406	0.0083		0.0319				0.0763									-0.2269	-165.98
Операционная прибыль, млрд ₹									0.138	0.191	0.2209	0.187	0.1952	0.228	0.2528	0.2427	0.5098	0.2845		0.3036	4.53
Операционные расходы, млрд ₹									2.78	2.81	2.87	2.71	3.2	3.26	3.07	3.39	4.3	4.07		3.62	4.54
CAPEX, млрд ₹	0.0544	0.1244	0.2354	0.227	0.2437															0.1770	34.97

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹	3	3.88	3.02	2.71	7.66	8.34	10.66	11.04	10.66	8.08	32.43
Short Term Investments ₹		-1.41	-1.2	-0.8193	2.14	2.15	3.16		3.16	1.09	-221.37
Long term investments ₹		0.732	1.28	5.04	6.31	11.46				4.96	73.35
Total Receivables ₹		0.011	0.0112	0.0136	0.0428	0.0539	0.0681		0.0681	0.0379	43.48
Total Current Assets ₹	3	2.48	1.82	1.89	5.52	6.19	7.5		7.5	4.58	32.74
Чистые активы, млрд ₹	0.4686	0.4223	0.4949	0.6422	0.9275	1.45			1.45	0.7874	27.98
Активы, млрд ₹	5.38	6.84	6.24	10.1	16.8	24.66	34.19	42.06	34.19	25.56	33.02
Short Term Debt ₹		0.829	1.11	1.81	2.5	4.34	7.13		7.13	3.38	45.06
Задолженность, млрд ₹	0.0001	5.22	4.94	8.6	12	19.14	27.76	34.59	27.76	20.42	32.10
Чистый долг, млрд ₹	-3	-3.05	-1.91	-0.9002	-5.17	-4	-10.66		-10.66	-4.5280	41.04
Долг, млрд ₹		0.829	1.11	1.81	2.5	4.34	7.13		7.13	3.38	45.06
Interest income ₹		0.1915	0.1813	0.2026	0.3563	0.9486				0.3761	37.72
Расходы на обслуживание долга ₹		0.0553	0.0987	0.0954	0.1531	0.4737	0.789	1.01	0.789	0.5042	60.31
Чист. проц. доходы, млрд ₹		0.1362	0.0826	0.1071	0.2032	0.4749	1.5		0.9486	0.4736	78.58
Амортизация, млрд ₹	0.6734	0.1826	0.2357	0.5358	0.3545	0.4185	0.5345		0.5345	0.4158	17.79
Себестоимость, млрд ₹							-9.23		-9.23	-9.2300	0.00
Товарно материальные запасы ₹		-4.12	-3.19	-2.78	7.87	8.54	10.72		10.72	4.23	-227.43

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹		2.15	2.42	7.66	7.66		6.92		8.34		7.57		10.66		9.02		11.04	9.33	5.77
Short Term Investments ₹				0.0000	-2.14				-2.15									-2.1450	0.23
Long term investments ₹	5.04	5.58			6.31		12.7		11.46		17.12							10.63	25.13
Total Receivables ₹	0.0136	0.0249		0.0428	0.0428				0.0539									0.0356	31.71
Total Current Assets ₹	2.72	2.17	2.42	7.7	5.52		6.92		6.19		7.57		10.66		9.02			8.07	5.44
Чистые активы, млрд ₹			0.9595		0.9275		1.03		1.45									1.09	10.87
Активы, млрд ₹		10.2	11.16	16.8	16.8		23.46		24.66		30.5		34.19		35.26		42.06	33.33	11.27
Short Term Debt ₹					2.5				4.34				7.13					4.66	41.81
Задолженность, млрд ₹			9.53	12	12		7.43		19.14		10.23		27.76	-6.43	28.35		34.59	18.90	27.59
Чистый долг, млрд ₹	-0.9002	-0.0326	0.2028	-5.17	-5.17		0.5143		-4		2.65		-3.53		-1.06			-1.0851	-215.56
Долг, млрд ₹					2.5		7.43		4.34		10.23		7.13		7.96			7.42	1.39
Interest income ₹			0.0704	0.0982	0.1271	0.1873	0.2146	0.2527	0.294	0.3297	0.3653	0.3915						0.3266	9.15
Расходы на обслуживание долга ₹								0.1358	0.143	0.1545	0.1887	0.2159	0.2299	0.2389	0.2505	0.2565	0.2599	0.2471	2.48
Чист. проц. доходы, млрд ₹				0.0561	0.081	0.1104	0.0966	0.1169	0.151	0.1752	0.1766	0.1756	0.414					0.2185	22.35
Амортизация, млрд ₹						-0.101	-0.138	-0.191	-0.2209	-0.187	-0.1952	-0.228	-0.2529	-0.2427	-0.2505			-0.2339	5.12
Себестоимость, млрд ₹										0.1545					-0.2505			-0.0480	-227.33
Товарно материальные запасы ₹					-7.87				-8.54									-8.2050	4.17

Share

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-8	-5.37	1.4	5.34	7.82	10.36	11.12	10.36	7.21	51.35
Цена акции ао			375.5	253.05	260.95	317.4	283.39	283.39	298.06	-5.47
Число акций ао, млн	78.01	77.62	81.03	80.01	83.21	83.27	83.22	83.27	82.15	0.53
FCF/акцию	1.9	-14.77	-12.5	17.88	-13.75	-5.64	-10.61	-5.64	-4.9240	-3.23

	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS						2.3	2.65	2.25	2.35	2.74	3.03	2.91	2.53	2.76	2.88		2.82	-1.01
Цена акции ао			336.33	269.28	251.93	218.79	232.37	218.7	326.16	284.14					220.36	283.39	266.55	5.32
Число акций ао, млн	77.62	81.03				83.21				83.21							81.27	1.75
FCF/акцию							0.9166										0.9166	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-30	-38.48	-24.63	13.6	13.56	12.61	14.42	13.31	14.42	16.86	13.50	-0.43
ROA, %	-12.52	-9.12	-5.13	2.03	3.18	3.14	2.93	2.43	2.93	4.25	2.74	3.66
ROS, %	-28.48	-32.86	-13.17	6.43	11.3	5.5	15.52	15.52	15.52	55.32	10.85	19.27
ROCE, %	-25.04	-49.75	-42.75	-21.99	0.434	0.9421	-6.97	-21.73	-21.73	8.56	-9.8628	-0.24
Ebit margin, %			-22.86	-10.4	1.93	1.96	-25.15	-25.15	-25.15		-11.3620	19.32
Рентаб EBITDA, %	-28.48	-32.86	-13.17	6.43	11.3	5.5	-15.53	-15.53	-15.53	61.72	-1.5660	-219.29
Чистая рентаб, %	-28.48	-32.86	-13.17	6.43	11.3	5.5	15.52	5.3	15.52	55.32	8.81	-3.79
Operation Margin, %	-28.48	-42.48	-22.86	-10.4	1.93	1.96	15.63	15.63	15.63	56.13	4.95	-208.49
Доходность FCF, %				-2.95	6.4	-5.17					-0.5733	20.57

	2021Q2	2021Q3	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					2.72	3.76	4	3.38	3.61	4.06	4.32	4	3.36		4.28		16.86	4.00	1.06
ROA, %	0.3066	0.707	0.8393	1.05	0.5883		0.8955		1.28		1.47		1.2		1.14		4.25	1.20	4.95
ROS, %							7.14	5.37	5.75	6.54	6.28	5.56	4.64	5.3	5.13	15.52	55.32	7.23	22.79
ROCE, %	4.03	-0.3595	5.88	7.34	1.72		7.99		1.42		3.38		2.12			-21.73	8.56	-1.3640	-222.15
Ebit margin, %									11.49	13.08	18.31	-61.09	11.19			-25.15		-8.7320	-213.97
Рентаб EBITDA, %					4.73	6.36	7.14	5.37	5.75	6.54	12.01	-66.65	5.69			-15.53	61.72	-11.5880	-218.88
Чистая рентаб, %						6.36	7.14	5.37	5.75	6.54	6.28	5.56	4.64	5.3	5.13		55.32	5.38	-3.96
Operation Margin, %						6.36	7.14	5.37	5.75	6.54	6.3	5.56	11.19	6.53		15.63	56.13	9.04	19.93

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				167.67	50.63	26.06	27.56	20.22	27.56	36.28	58.43	-34.50
P/BV				22.8	4.51	3.07	3.69	2.5	3.69	3.47	7.31	-35.73
P/S				10.78	5.72	1.43	4.28	1.07	4.28	11.12	4.66	-37.00
P/FCF				-33.9	15.63	-19.33	-45.21	-45.21	-45.21	9.16	-25.6040	5.93
E/P				0.006	0.0191	0.0294	0.0406	0.0406	0.0406	0.14	0.0271	46.58
EV/EBIT			3.44	2.72	225.96	55.79	-9.38	-9.38	-9.38		53.14	-228.09
EV/EBITDA		7.91	-136.76	-1.08	38.54	19.91	-15.19		-15.19	38.04	-18.9160	-35.57
EV/S			-0.7862	-0.2828	4.36	1.1	2.36	2.36	2.36	13.61	1.98	-252.86
EV/FCF			1.67	0.889	11.51	-11.32	-27.89	-27.89	-27.89	11.74	-10.9402	-299.21
Debt/EBITDA			79.25	2.16	5.84	6.67	-8.26	-8.26	-8.26	17.17	-0.3700	-230.77
Netdebt/Ebitda	4.46	4.9	5.97	-4.4	-12.08	-6.14	12.35	12.35	12.35	-0.25	0.4160	-222.93
Debt/Ratio			0.1775	0.179	0.1486	0.176	0.2084	0.2084	0.2084	0.30	0.1841	3.09
Debt/Equity			0.8518	1.2	0.5203	0.7856	1.11	4.32	4.32	3.05	1.59	29.20
Debt/Net Income			-3.46	8.83	5.84	6.67	8.27	8.27	8.27	13.96	7.58	-1.30
PEG								-55.05	-55.05		-55.0500	0.00
Бета						-1.81	3.97	3.39	3.39	1.20	1.85	-223.27
Индекс Альтмана				4.06	1.83	1.46	0.8311	0.8818	0.8818	1.01	1.81	-26.32

	2021Q2	2021Q3	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E						95.32	26.06	30.61	33.28	25.75	27.54	28.71	36.21	28.26	20.28		36.28	28.20	-5.94
P/BV			21.13	4.57	3.84	3.58	3.07		1.3	3.99	3.69		4.91		2.5		3.47	3.28	13.97
P/S						6.06	1.43	1.81	2.04	1.59	1.65	1.73	2.06	1.53	1.05		11.12	1.60	-8.64
P/FCF																-45.21	9.16	-45.2100	0.00
E/P			0.0041			0.0105				0.0096						0.0406	0.14	0.0162	77.39
EV/EBIT									74.49		27.5		64.48			-9.38		39.27	-159.57
EV/EBITDA				31.3	23.84		17.81		36.62		18.5		-16.92				38.04	15.97	-193.37
EV/S									8.56		5.03		7.22			2.36	13.61	5.79	-27.54
EV/FCF																-27.89	11.74	-27.8900	0.00
Debt/EBITDA				11.23	29.03		19.65		52.39		14.79		30.69			-8.26	17.17	21.85	-184.09
Netdebt/Ebitda	-0.2515	2.57	-36.63	-29.31	3.73		-18.1		13.59		-7.32		-4.09			12.35	-0.25	-0.7140	-192.64
Debt/Ratio									0.3353		0.2084		0.2257			0.2084	0.30	0.2445	-11.21
Debt/Equity									1.73		1.11		1.15			4.32	3.05	2.08	25.71
Debt/Net Income									52.39		28.28		37.63			8.27	13.96	31.64	-36.97
PEG																-55.05		-55.0500	0.00
Бета															5.16	3.39	1.20	4.28	-18.95
Индекс Альтмана															0.8311	0.8818	1.01	0.8564	3.01

Dividends

IFRS

Reporting Annual

	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0
Див доход, ао, %	0	1.35
Дивиденды / прибыль, %	0	18.71

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	12.72	21.69	17.01	7.98	18.68	9.42	18.68	-15.36
Персонал, чел				2 868	2 868			0.00

	CAGR 5

	CAGR 5