| Revenue growth | Q2 revenue -16.6% YoY; H1 -25%. |
|---|---|
| Margins | Net revenue margin 38.1% Q2 (+96 bps YoY); EBITDA margin 10.5%. |
| Demand visibility | Loan referrals and renewal income growing; transaction business weak. |
Growth
Q2 revenue fell 17% YoY to ₹333.6 Cr; H1 down 25%. Loan referral disbursals ₹762 Cr (+286%); CASA revenue +9%.
Outlook
No explicit numeric guidance. SFB transition: leadership onboarding, technology build, RBI readiness submission and go-live targeted Q4'27.
Risks
Transaction business revenue down 30% YoY; CMS down 15%. EBITDA down 43%; finance and depreciation costs rose to ₹56.0 Cr.
Last quarter's promises, checked
Delivered
- Guided NRM above last year → 38.1%, +96bps YoY (= BEAT)
Partly delivered
- Guided senior SFB hires joining Sep–Oct → onboarding ongoing, joining not confirmed (= PARTIAL)
Investor Presentation filed with NSE, NSE: FINOPB. Summary written with AI assistance from the document.
Fino Payments Bank Ltd: key numbers
- Share price
- ₹121.92
- Market cap
- ₹1,015 Cr
- Revenue (annual)
- ₹248.2 Cr
- Net profit (annual)
- ₹52.46 Cr
- P/E (TTM)
- 48.4×Sector 19.7×
- 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 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.
Fino Payments Bank Board Meeting Date
Fino Payments Bank has scheduled a board meeting for October 29, 2026, to consider and approve financial results for the quarter and half-year ended September 30, 2026.
Fino Payments Bank Other Announcement
Fino Payments Bank's ESG score was revised by ESG Risk Assessments & Insights from 56-Adequate to 58-Adequate. No financial or operational impact accompanies this routine disclosure.
Fino Payments Bank Business Update
Fino Payments Bank reported its September 2026 business performance, highlighting growth in deposit accounts, loan disbursals, and CMS throughput metrics compared to previous periods.