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Bearish
4
Neutral
6
Bullish
4
Bearish
25
Neutral
6
Bullish
15
Bearish
21
Neutral
0
Bullish
11
Discovery themes featuring this stock
Fino Payments Bank is primarily engaged in providing digital financial services through a vast network of merchants, focusing on underserved and unbanked populations in India. Its operations are driven by fee and commission income rather than interest income.
The bank is transitioning to a Small Finance Bank (SFB) after receiving in-principle approval from the Reserve Bank of India, marked as a 'once in a lifetime achievement'. This transition will expand its service offerings and revenue streams.
Achieving consistent profitability over five consecutive years, the bank has successfully increased its average deposits by 32% YoY, reducing its cost of funds to an impressive 1.7%.
With a strong technological foundation, including the Finacle Core Banking Platform, Fino enhances operational efficiency and customer service, solidifying its position as a leader in digital banking services.
Leveraging a vast merchant network, Fino drives a low-cost acquisition strategy, ensuring scalability and resilience in achieving its growth targets within the competitive banking sector.
Banks
Other Bank
1,109 Cr
High Risk
14.9
13.1
0.2
1.5
339.00
110.10
Sales CAGR
Profit CAGR
ROE
ROCE
Fino Payments Bank Ltd (FINOPB) is currently trading at 136.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Fino Payments Bank is primarily engaged in providing digital financial services through a vast network of merchants, focusing on underserved and unbanked populations in India. Its operations are driven by fee and commission income rather than interest income. The bank is transitioning to a Small Finance Bank (SFB) after receiving in-principle approval from the Reserve Bank of India, marked as a 'once in a lifetime achievement'. This transition will expand its service offerings and revenue streams. Achieving consistent profitability over five consecutive years, the bank has successfully increased its average deposits by 32% YoY, reducing its cost of funds to an impressive 1.7%. With a strong technological foundation, including the Finacle Core Banking Platform, Fino enhances operational efficiency and customer service, solidifying its position as a leader in digital banking services. Leveraging a vast merchant network, Fino drives a low-cost acquisition strategy, ensuring scalability and resilience in achieving its growth targets within the competitive banking sector.
Over the past 52 weeks, Fino Payments Bank Ltd has traded between a low of ₹110.10 and a high of ₹339.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Fino Payments Bank Ltd has a market capitalization of approximately 1,108.89. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Fino Payments Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 14.95 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,108.89 Cr, Fino Payments Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Fino Payments Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Fino Payments Bank Ltd is 14.95. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
MD & CEO Rishi Gupta was arrested in connection with a GST investigation by the DGGI. The bank has clarified the probe pertains to certain program managers associated with it, not the bank's own GST compliance.
The Reserve Bank of India has approved the appointment of Ketan Merchant, the bank's Chief Financial Officer (CFO), as the Interim CEO effective from February 27, 2026.
The stock fell 20% after the Telangana High Court dismissed a petition by its MD & CEO, Rishi Gupta, challenging his arrest in connection with an ongoing GST-related investigation.
The stock plunged up to 19% due to media reports suggesting a potential Enforcement Directorate (ED) probe into online gaming transactions, which fueled investor concern.
Business Performance Update
Provisional Q4FY26 operational update: ~7 lakh new accounts (total ~1.75 crore), highest quarterly renewal income ₹62.2cr, deposits ₹2,950+cr, loan referrals +96% to ~₹600cr; transactions and digital payments moderated.
Management Appointment
Fino Payments Bank appointed Mr. Abhilash Ankathil as Chief Compliance Officer effective April 6, 2026 for a three-year term; he joins senior management with over 25 years' legal and regulatory experience, including a long tenure at the RBI.
Management Appointment
Fino Payments Bank appointed Mr. Abhilash Ankathil as Chief Compliance Officer for three years effective April 06, 2026; he joins senior management and is a former RBI Deputy Legal Adviser with 25+ years' experience.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
54.86 | 6,767 Cr | -93.05 | 1.15 | 1.68 | -1.15 | 5.89 | 0.30 | ||
390.00 | 4,114 Cr | 13.29 | 0.96 | 0.00 | 7.19 | 7.02 | 1.49 | ||
11.98 | 2,326 Cr | -2.09 | 0.71 | 0.00 | -40.10 | 2.36 | 0.09 | ||
131.60 | 1,435 Cr | 20.43 | 0.72 | 0.00 | 3.44 | 6.56 | 0.84 | ||
23.55 | 1,200 Cr | -3.26 | 0.69 | 0.00 | -21.28 | 4.87 | -1.94 | ||
244.65 | 1,184 Cr | 8.22 | 0.85 | 1.53 | 9.74 | 6.50 | 1.35 | ||
124.35 | 1,109 Cr | 14.95 | 1.47 | 0.00 | 8.82 | 4.73 | 2.43 | ||
| Median: 7 Co. | — | 124.35 | 1,435 Cr | 8.22 | 0.85 | 0.00 | 3.44 | 5.89 | 0.84 |
