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Financials Ratios
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Fino Payments Bank Ltd.
BSE CODE: 543386   |   NSE CODE: FINOPB   |   ISIN CODE : INE02NC01014   |   17-Jul-2025 Hrs IST
BSE NSE
Rs. 280.45
0.55 ( 0.2% )
 
Prev Close ( Rs.)
279.90
Open ( Rs.)
282.90
 
High ( Rs.)
284.10
Low ( Rs.)
278.65
 
Volume
30135
Week Avg.Volume
68053
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 280.45
0.8 ( 0.29% )
 
Prev Close ( Rs.)
279.65
Open ( Rs.)
280.90
 
High ( Rs.)
284.35
Low ( Rs.)
278.50
 
Volume
359329
Week Avg.Volume
936049
 
52 WK High-Low Range(Rs.)
200
467
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)10.36  7.82  5.14  4.59  -7.19  
   DPS(Rs)0.00  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)75.46  65.10  57.28  33.77  29.18  
Margin Ratios          
   Yield on Advances0.00  0.00  0.00  0.00  0.00  
   Yield on Investments6.64  5.78  3.68  2.00  3.75  
   Cost of Liabilities3.71  3.51  2.03  2.25  4.32  
   NIM2.53  2.40  1.45  1.38  1.92  
   Interest Spread0.00  0.00  0.00  0.00  0.00  
Performance Ratios          
   ROA(%)2.93  3.14  3.18  2.51  -4.90  
   ROE(%)14.74  12.78  13.63  14.59  -21.93  
   ROCE(%)11.74  10.98  9.23  8.94  -10.26  
Efficiency Ratios          
   Cost Income Ratio93.79  94.50  95.70  96.87  104.55  
   Core Cost Income Ratio93.79  94.47  95.71  96.87  104.55  
   Operating Costs to Assets38.39  45.31  56.60  74.93  114.19  
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)27.14  26.05  48.79  0.00  0.00  
   PCE(x)16.76  15.85  26.67  0.00  0.00  
   Price/Book(x)3.73  3.13  4.38  0.00  0.00  
   Yield(%)0.00  0.00  0.00  0  0  
   EV/Net Sales(x)20.35  22.45  65.54  11.13  8.57  
   EV/Core EBITDA(x)35.15  32.72  54.63  9.20  -5.01  
   EV/EBIT(x)18.48  18.94  40.23  7.51  -7.01  
   EV/CE(x)2.25  2.16  3.20  0.68  0.65  
   M Cap / Sales15.60  17.87  58.53  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth49.79  133.72  89.69  29.67  -39.36  
   Operating Profit Growth-58.23  -35.42  150.94  126.09  38.30  
   Net Profit Growth32.47  52.28  108.75  163.91  48.65  
   BVPS Growth15.92  13.66  69.62  -99.88  -19.76  
   Advances Growth-41.01  -52.27  85.80  29.12  27.50  
   EPS Growth(%)32.48  52.28  11.83  163.91  48.65  
Liquidity Ratios          
   Loans/Deposits(x)0.50  0.47  0.50  0.74  0.94  
   Cash / Deposits(x)0.22  0.24  0.45  0.36  1.11  
   Investment / Deposits(x)1.24  1.25  1.26  2.07  1.09  
   IncLoan / Deposits(x)50.45  47.33  49.67  74.45  94.27  
   Credit/Deposits(%)0.00  0.01  0.05  0.05  0.09  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0  0  0  0  0