| Revenue growth | Total revenue dropped 14% for the full year due to digital headwinds. |
|---|---|
| Margins | Margins expanded 500bps YoY, shifting toward high-margin ownership business segments. |
| Demand visibility | Strong retail demand for CASA accounts despite industry-wide digital payment tightening. |
| Management confidence | Balanced; focused on resilience and institutional stability after leadership transitions. |
Growth
CASA accounts grew 22% YoY to 1.75 crore; record renewal income of ₹237 crore, up 25%.
Outlook
Targeting 20% ROE by FY30; SFB transition on track with ₹100 crore technology investment planned.
Risks
Regulatory scrutiny on digital fraud led to deliberate pauses in high-margin B2B digital payment segments.
Earnings Call filed with NSE, NSE: FINOPB. Summary written with AI assistance from the document.
Fino Payments Bank Ltd: key numbers
- Share price
- ₹128.25
- Market cap
- ₹1,067 Cr
- Revenue (annual)
- ₹248.2 Cr
- Net profit (annual)
- ₹52.46 Cr
- P/E (TTM)
- 50.9×Sector 22.0×
- Promoter holding
- 75.00%+0.00% QoQ
- FII holding
- 0.31%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 reported August 2026 deposits of ₹2,821 Cr and loan disbursals of ₹243 Cr. It noted momentum for its proposed Small Finance Bank transition.
Fino Payments Bank Annual General Meeting
Fino Payments Bank Limited has issued a notice for its 10th Annual General Meeting, scheduled to be held on September 29, 2026, through video conferencing.
Fino Payments Bank Management Change
Fino Payments Bank Ltd has appointed Mr. Amit Kumar as the Head – Branch Banking, effective September 04, 2026.
Fino Payments Bank Earnings Call Transcript: Key Takeaways
Fino faces a tough Q1 with its profitable B2B UPI business paused for recalibration, causing an EBITDA drop despite strong retail growth.
Fino Payments Bank Investor Presentation: Key Takeaways
Fino Payments Bank reported a Q1 FY27 loss of ₹13.7 Cr. Despite revenue headwinds, Net Revenue Margin hit a record 42.8% driven by high-margin CASA business expansion.
Fino Payments Bank Q1 FY27 Results: Net Loss of ₹13.7 Cr
Fino Payments Bank Ltd reported revenue from operations of ₹72.2 Cr (+18.4% YoY) and a net loss of ₹13.7 Cr for Q1 FY27.
- Key figure
- Net loss ₹13.7 Cr