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Bearish
3
Neutral
7
Bullish
4
Bearish
14
Neutral
7
Bullish
25
Bearish
11
Neutral
0
Bullish
21
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
1,428 Cr
High Risk
27.2
12.8
0.3
1.9
339.00
110.10
Sales CAGR
Profit CAGR
ROE
ROCE
Fino Payments Bank Ltd (FINOPB) is currently trading at 167.50 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 1,427.61. 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 27.21 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 1,427.61 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 27.21. 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.
Average total deposits were ₹2,755 crore in June 2026, up 11% year-on-year.
The RBI approved a three-month extension of Ketan Merchant’s tenure as interim CEO, effective from May 27, 2026, according to the bank’s regulatory filing.
FY26 net profit was ₹52.46 crore, a 43% decline, as the bank cited regulatory headwinds and contraction in its digital business.
Net profit was ₹15.35 crore in the quarter ended September 2025, down 27.42% from ₹21.15 crore in the quarter ended September 2024.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
78.77 | 9,040 Cr | 87.69 | 1.48 | 0.00 | 1.68 | 5.83 | 0.18 | ||
545.35 | 5,834 Cr | 15.36 | 1.32 | 0.00 | 8.49 | 6.78 | 0.79 | ||
14.50 | 2,571 Cr | -2.23 | 0.93 | 0.00 | -41.47 | 1.37 | -4.16 | ||
194.90 | 1,925 Cr | 12.67 | 0.93 | 0.83 | 7.31 | 6.34 | 0.89 | ||
35.62 | 1,835 Cr | -11.03 | 1.03 | 0.00 | -9.31 | 5.21 | -0.60 | ||
167.50 | 1,428 Cr | 27.21 | 1.85 | 0.00 | 6.52 | 3.42 | 1.10 | ||
303.00 | 1,369 Cr | 9.68 | 0.94 | 1.66 | 9.68 | 6.39 | 1.23 | ||
| Median: 7 Co. | — | 167.50 | 1,925 Cr | 12.67 | 1.03 | 0.00 | 6.52 | 5.83 | 0.79 |
Regulatory/Compliance Filing
Fino Payments Bank Ltd submitted a certificate under SEBI Regulation 74(5) for the quarter Apr 1–Jun 30, 2026. Registrar KFin Technologies confirmed no demat/remat requests were processed during the quarter.
Regulatory/Compliance Filing
Fino Payments Bank filed a certificate under SEBI Reg.74(5) for the quarter ended June 30, 2026 stating KFin Technologies confirmed no Demat/Remat requests were processed during the quarter.
