| Revenue growth | -32% YoY |
|---|---|
| Margins | Record Net Revenue Margin of 42.8%, up 925 bps YoY |
| Demand visibility | Strong traction in referral loans and CASA accounts |
| Management confidence | High on SFB transition and digital expansion |
Growth
Revenue fell 32% YoY to ₹306.9 Cr; EBITDA declined 30% YoY to ₹43.1 Cr. PAT turned negative.
Outlook
Targeting Small Finance Bank (SFB) 'Go Live' in Q1'28. Submission of final readiness to RBI expected in Q4'27.
Risks
Substantial YoY and QoQ declines in total revenue and EBITDA; transition costs related to SFB conversion.
Last quarter's promises, checked
Delivered
- CBS migration to Finacle → Completed in Q4'26 (= BEAT)
- SFB transition on track → On track with Q1'28 target (= BEAT)
- Focus on high-margin CASA → Record 42.8% Net Revenue Margin (= BEAT)
Partly delivered
- CASA momentum to continue → 8.4L new accounts vs 6.9L in Q4 (= BEAT), but overall revenue down (= PARTIAL)
Missed
- Predictable bottom line growth → Reported loss of ₹13.7 Cr (= MISS)
- Steady revenue growth → Revenue fell 32% YoY (= MISS)
Investor Presentation 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 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
Fino Payments Bank Earnings Call: Key Takeaways
Fino navigating transition to Small Finance Bank (SFB) amid regulatory headwinds. Q4 revenue dropped 31% YoY, but deposit base hit record ₹2,957cr and CASA grew 22% YoY.