ALFA Finder| Revenue growth | FY26 down 14% YoY; Q4'26 down 31% YoY. |
|---|---|
| Margins | Net Revenue Margin improved 530 bps YoY to 36.8% for FY26. |
| Demand visibility | Strong traction in referral loans, up 3.5x YoY in FY26. |
| Management confidence | High regarding SFB transition and 'Liability-First' model. |
Growth
FY26 PAT at ₹52.5 Cr (-43% YoY); EBITDA at ₹243.2 Cr (+4% YoY). Quarterly Q4'26 Revenue down 31% YoY.
Outlook
Targeting SFB go-live by Q1 FY28; aim for ₹8k-10k Cr AUM by FY30 with 20%+ ROE.
Risks
Significant YoY declines in PAT and Revenue; cost-to-income ratio increased to 38.8% in Q4'26 from 25.5% YoY.
Earnings Call filed with BSE, NSE: FINOPB. Summary written with AI assistance from the document.
Fino Payments Bank Ltd: key numbers
- Share price
- ₹126.61
- Market cap
- ₹1,054 Cr
- Revenue (annual)
- ₹248.2 Cr
- Net profit (annual)
- ₹52.46 Cr
- P/E (TTM)
- -69.0×Sector 20.8×
- Promoter holding
- 75.00%+0.00% QoQ
- FII holding
- 0.03%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Fino Payments Bank Ltd
All →Fino Payments Bank Business Update
Fino Payments Bank's October 2026 update showed deposits crossing Rs 3,000 Crore for the first time. Loan referral disbursals rose 316% year-on-year to Rs 301 Crore.
Fino Payments Bank Earnings Call Transcript: Key Takeaways
Management focused on transition to Small Finance Bank (SFB) while rebuilding B2B and UPI volumes. Profitability remains under pressure due to heavy investment in technology and people ahead of the license conversion.
Fino Payments Bank Investor Presentation: Key Takeaways
Q2 FY27 revenue ₹333.6 Cr (down 17% YoY), EBITDA ₹35.1 Cr, PAT loss ₹(20.9) Cr. Net revenue margin rose 96 bps to 38.1%. Bank is progressing toward Small Finance Bank conversion.
Fino Payments Bank Results Update
Fino Payments Bank's press release reports Q2 FY27 revenue of Rs.333.6 Crore and a H1 net loss. Loan referral disbursals surged 286% year-on-year.
Fino Payments Bank Q2 FY27 Results: Net Loss of ₹20.9 Cr
Fino Payments Bank Ltd reported revenue from operations of ₹74.5 Cr (+24.0% YoY) and a net loss of ₹20.9 Cr for Q2 FY27.
- Key figure
- Net loss ₹20.9 Cr
Fino Payments Bank Other Announcement
Fino Payments Bank has received a revised ESG rating from Crisil ESG Ratings & Analytics Limited, moving from 54-Adequate to 59-Adequate.