ALFA Finder| 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
- ₹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.