ALFA Finder| Revenue growth | Overall throughput down 10% YoY due to paused B2B segments. |
|---|---|
| Margins | Net revenue margins expanded 925 bps YoY to 42.8%. |
| Demand visibility | Strong demand for secured credit and digital banking adoption. |
| Management confidence | Balanced; focused on resilience during a difficult 'recalibration' quarter. |
Growth
Net revenue margin hit record 42.8% due to high-margin retail focus; CASA and renewal income grew steadily.
Outlook
Targeting 8-9% NIMs and maintaining FY30 long-term guidance; SFB readiness expected by end of FY27.
Risks
Pause in B2B UPI business impacts profitability; high reliance on successful Small Finance Bank transition.
Last quarter's promises, checked
Delivered
- CBS migration to Finacle → Completed within anticipated timeline (= BEAT)
- CASA momentum → 6.9L new accounts in Q4 vs 3.2L in March (= BEAT)
- Cost of funds → Remained structurally low below 2% (= BEAT)
Partly delivered
- SFB transition → In-principle approval received; execution on track but final license pending (= PARTIAL)
Missed
- B2B digital throughput → Down 17% sequentially due to risk recalibration (= MISS)
- Total revenue → Dropped 31% YoY for the quarter (= MISS)
Earnings Call Transcript 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.