ALFA Finder| Revenue growth | FY26 revenue down 14% YoY; Q4 down 31% YoY. |
|---|---|
| Margins | Margins expanded 500 bps YoY due to high-margin ownership mix. |
| Order book | Referral disbursals at ₹1,300cr for FY26. |
| Demand visibility | Strong traction in lending referrals and CASA momentum. |
| Management confidence | High in SFB transition and resilient deposit franchise. |
Growth
FY26 revenue fell 14%. Renewal income grew 25% YoY to ₹237cr. CASA base reached 1.75cr accounts.
Outlook
Targeting 20% ROE by FY30. Core banking migration to Finacle completed. Referral book stood at ₹1,300cr.
Risks
Industry-wide digital fraud, mule accounts, and collapse of bank-led DMT remittances impacting digital throughput.
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.