X 
Financials Ratios
Home | Market Info | Company Profile | Financials Ratios
Fino Payments Bank Ltd.
BSE CODE: 543386   |   NSE CODE: FINOPB   |   ISIN CODE : INE02NC01014   |   01-Oct-2025 Hrs IST
BSE NSE
Rs. 275.10
6 ( 2.23% )
 
Prev Close ( Rs.)
269.10
Open ( Rs.)
269.40
 
High ( Rs.)
276.00
Low ( Rs.)
269.40
 
Volume
13239
Week Avg.Volume
6687
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 275.20
6.3 ( 2.34% )
 
Prev Close ( Rs.)
268.90
Open ( Rs.)
268.80
 
High ( Rs.)
276.00
Low ( Rs.)
268.80
 
Volume
140192
Week Avg.Volume
103932
 
52 WK High-Low Range(Rs.)
200
446.45
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)11.12  10.36  7.82  5.14  4.59  
   DPS(Rs)0.00  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)86.44  75.46  65.10  57.28  33.77  
Margin Ratios          
   Yield on Advances0.00  0.00  0.00  0.00  0.00  
   Yield on Investments6.35  6.64  5.78  3.68  2.00  
   Cost of Liabilities3.62  3.71  3.51  2.03  2.25  
   NIM2.71  2.53  2.40  1.45  1.38  
   Interest Spread0.00  0.00  0.00  0.00  0.00  
Performance Ratios          
   ROA(%)2.43  2.93  3.14  3.18  2.51  
   ROE(%)13.74  14.74  12.78  13.63  14.59  
   ROCE(%)11.49  11.74  10.98  9.23  8.94  
Efficiency Ratios          
   Cost Income Ratio93.80  93.79  94.50  95.70  96.87  
   Core Cost Income Ratio93.80  93.79  94.47  95.71  96.87  
   Operating Costs to Assets38.95  38.39  45.31  56.60  74.93  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)20.52  27.14  26.05  48.79  0.00  
   PCE(x)12.27  16.76  15.85  26.67  0.00  
   Price/Book(x)2.64  3.73  3.13  4.38  0.00  
   Yield(%)0.00  0.00  0.00  0.00  0  
   EV/Net Sales(x)14.02  20.35  22.45  65.54  11.13  
   EV/Core EBITDA(x)25.27  35.15  32.72  54.63  9.20  
   EV/EBIT(x)13.10  18.48  18.94  40.23  7.51  
   EV/CE(x)1.73  2.25  2.16  3.20  0.68  
   M Cap / Sales9.73  15.60  17.87  58.53  0.00  
Growth Ratio          
   Core Operating Income Growth33.03  49.79  133.72  89.69  29.67  
   Operating Profit Growth4.99  -58.23  -35.42  150.94  126.09  
   Net Profit Growth7.32  32.47  52.28  108.75  163.91  
   BVPS Growth14.54  15.92  13.66  69.62  -99.88  
   Advances Growth145.86  -41.01  -52.27  85.80  29.12  
   EPS Growth(%)7.31  32.48  52.28  11.83  163.91  
Liquidity Ratios          
   Loans/Deposits(x)0.43  0.50  0.47  0.50  0.74  
   Cash / Deposits(x)0.09  0.22  0.24  0.45  0.36  
   Investment / Deposits(x)1.23  1.24  1.25  1.26  2.07  
   IncLoan / Deposits(x)43.28  50.45  47.33  49.67  74.45  
   Credit/Deposits(%)0.01  0.00  0.01  0.05  0.05  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0  0  0  0  0