ScoreWhy is Fino Payments Bank Ltd ?
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
- The technical trend has deteriorated from Mildly Bearish on 24-Mar-25 and has generated -6.61% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and DOW
3
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -0.57% over the previous quarter and collectively hold 9.78% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -26.69% returns in the last 1 year, the stock has also underperformed BSE 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Fino Payments for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Fino Payments
-26.29%
-0.54
49.24%
SENSEX
0.45%
0.04
14.48%
Management Risk
Growth
Capital StructureValuationValuation 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%
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NET SALES(Q)
Highest at Rs 49.35 cr
-7What is not working for the Company
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
Loading Valuation Snapshot...
Here's what is working for Fino Payments
Net Sales - Quarterly
Highest at Rs 49.35 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Here's what is not working for Fino Payments
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -383.54 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -383.54 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -383.54 cr has Fallen at -10.2 %
over average PBT of the previous four quarters of Rs -347.96 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 1,448.12 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Non Operating Income - Quarterly
Highest at Rs 411.99 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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