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Fino Payments

  • Market Cap: Small Cap
  • Industry: Finance/NBFC
  • ISIN: INE02NC01014
  • NSEID: FINOPB
  • BSEID: 543386
INR
215.15
10.15 (4.95%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 8.46 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

209.75226.00

52 Week

180.50466.40
Valuation
Technical
Day's Volume

CASH

8.46 lacs (435.47%) Volume

Shareholding (Dec 2024)

FII

3.70%

Held by 31 FIIs

DII

6.08%

Held by 7 DIIs

Promoter

75.00%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Flat results in Dec 24

  • PBDIT(Q) Lowest at Rs -383.54 cr.
  • PBT LESS OI(Q) At Rs -383.54 cr has Fallen at -10.2 %
  • NON-OPERATING INCOME(Q) is 1,448.12 % of Profit Before Tax (PBT)
2

Stock is technically in a Bearish range

3

Falling Participation by Institutional Investors

4

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 1,790 Cr (Small Cap)

stock-summary
P/E

18.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

13.97%

stock-summary
Price to Book

2.54

Revenue and Profits (1 Year):
Net Sales:
49 Cr
(Quarterly Results - Dec 2024)
Net Profit:
23 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-47.9%
0%
-47.9%
1 Year
-26.29%
0%
-26.29%
2 Years
0.65%
0%
0.65%
3 Years
-33.08%
0%
-33.08%
4 Years
0%
0%
0.0%
5 Years
0%
0%
0.0%

Fino Payments for the last several years.

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
85.35%
EBIT Growth (5y)
47.55%
Net Debt to Equity (avg)
0
Institutional Holding
9.78%
ROE (avg)
13.57%
Valuation key factors
Factor
Value
P/E Ratio
18
Industry P/E
20
Price to Book Value
2.54
EV to EBIT
-1.10
EV to EBITDA
-1.10
EV to Capital Employed
2.80
EV to Sales
8.77
PEG Ratio
1.42
Dividend Yield
NA
ROCE (Latest)
-241.54%
ROE (Latest)
13.97%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Dow Theory
Bearish
Bearish
OBV
Mildly Bullish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 2 Schemes (5.61%)

FIIs

Held by 31 FIIs (3.7%)

Promoter with highest holding

Fino Paytech Limited (75.0%)

Highest Public shareholder

Motilal Oswal Dynamic Fund (4.96%)

Individual Investors Holdings

12.42%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 3.35% vs 5.34% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 9.27% vs -12.86% in Sep 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "49.35",
          "val2": "47.75",
          "chgp": "3.35%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-383.54",
          "val2": "-381.73",
          "chgp": "-0.47%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "25.65",
          "val2": "25.05",
          "chgp": "2.40%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "23.11",
          "val2": "21.15",
          "chgp": "9.27%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-725.21%",
          "val2": "-746.97%",
          "chgp": "21.76%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 33.98% vs 72.90% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 18.84% vs 59.92% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "93.10",
          "val2": "69.49",
          "chgp": "33.98%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-748.97",
          "val2": "-598.61",
          "chgp": "-25.12%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "48.94",
          "val2": "34.32",
          "chgp": "42.60%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "45.42",
          "val2": "38.22",
          "chgp": "18.84%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-751.91%",
          "val2": "-812.85%",
          "chgp": "60.94%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 31.12% vs 65.96% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 12.31% vs 41.91% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "142.45",
          "val2": "108.64",
          "chgp": "31.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-1,132.51",
          "val2": "-906.86",
          "chgp": "-24.88%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "74.59",
          "val2": "55.91",
          "chgp": "33.41%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "68.53",
          "val2": "61.02",
          "chgp": "12.31%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-742.66%",
          "val2": "-783.28%",
          "chgp": "40.62%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 58.18% vs 166.24% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 32.48% vs 52.27% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "150.05",
          "val2": "94.86",
          "chgp": "58.18%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-1,241.47",
          "val2": "-1,069.97",
          "chgp": "-16.03%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "78.90",
          "val2": "47.37",
          "chgp": "66.56%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "86.22",
          "val2": "65.08",
          "chgp": "32.48%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-775.16%",
          "val2": "-1,078.01%",
          "chgp": "302.85%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Net Sales
49.35
47.75
3.35%
Operating Profit (PBDIT) excl Other Income
-383.54
-381.73
-0.47%
Interest
25.65
25.05
2.40%
Exceptional Items
0.00
0.00
Standalone Net Profit
23.11
21.15
9.27%
Operating Profit Margin (Excl OI)
-725.21%
-746.97%
21.76%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2024 is 3.35% vs 5.34% in Sep 2024

Direction Arrows
Standalone Net Profit

QoQ Growth in quarter ended Dec 2024 is 9.27% vs -12.86% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
93.10
69.49
33.98%
Operating Profit (PBDIT) excl Other Income
-748.97
-598.61
-25.12%
Interest
48.94
34.32
42.60%
Exceptional Items
0.00
0.00
Standalone Net Profit
45.42
38.22
18.84%
Operating Profit Margin (Excl OI)
-751.91%
-812.85%
60.94%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 33.98% vs 72.90% in Sep 2023

Direction Arrows
Standalone Net Profit

Growth in half year ended Sep 2024 is 18.84% vs 59.92% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
142.45
108.64
31.12%
Operating Profit (PBDIT) excl Other Income
-1,132.51
-906.86
-24.88%
Interest
74.59
55.91
33.41%
Exceptional Items
0.00
0.00
Standalone Net Profit
68.53
61.02
12.31%
Operating Profit Margin (Excl OI)
-742.66%
-783.28%
40.62%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 31.12% vs 65.96% in Dec 2023

Direction Arrows
Standalone Net Profit

YoY Growth in nine months ended Dec 2024 is 12.31% vs 41.91% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
150.05
94.86
58.18%
Operating Profit (PBDIT) excl Other Income
-1,241.47
-1,069.97
-16.03%
Interest
78.90
47.37
66.56%
Exceptional Items
0.00
0.00
Standalone Net Profit
86.22
65.08
32.48%
Operating Profit Margin (Excl OI)
-775.16%
-1,078.01%
302.85%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 58.18% vs 166.24% in Mar 2023

Direction Arrows
Standalone Net Profit

YoY Growth in year ended Mar 2024 is 32.48% vs 52.27% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Fino Payments Bank Ltd stock-summary
stock-summary
Fino Payments Bank Ltd
Small Cap
Finance/NBFC
Fino Payments Bank Limited was incorporated as Fino Fintech Foundation on 23 June, 2007. Pursuant to surrender of license under Section 8 of Companies Act, 2013, the name was changed to Fino Fintech Private Limited and a fresh Certificate of Incorporation dated 15 December, 2015 was issued by Registrar of Companies, Maharashtra at Mumbai. Thereafter, pursuant to conversion of the Bank to a Public Limited Company, the name of the Bank was changed to Fino Fintech Limited on 03 February, 2017.
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