Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FINOPB.NS
Strong SellSinkerFino Payments Bank Limited · Financial Services · India · $123M · Avg Vol: $511K/d
11
StockRankGet insider-trade alerts
Q
27
V
34
M
25
P/E (TTM)
54.8x
ROE
6.5%
D/E
1.9x
Dividend %
—
COMPANY DESCRIPTION
Fino Payments Bank Limited provides financial solutions and services in India. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance products, as well as...
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.5B | 5.6B | 6.8B | 6.9B | 15.8% | 13.3B | 12.3B | 14.9B | 46.6% |
| EPS (INR) | 7.82 | 10.36 | 11.12 | 6.30 | -7.0% | 2.52 | — | — | — |
| Shares | 83.2M | 83.2M | 83.2M | 83.2M | +0.0% | 83.2M | — | — | — |
| Debt | 4.3B | 7.1B | 8.4B | 15.4B | 52.4% | 15.4B | — | — | — |
| Equity | 5.5B | 6.4B | 7.5B | 8.1B | 13.4% | — | — | — | — |
| Op CF | -201.0M | 567.8M | 761.9M | -3.1B | 34.2% | -3.1B | — | — | — |
| Inv CF | -965.3M | -1.0B | -1.6B | -1.4B | — | — | — | — | — |
| Fin CF | 1.8B | 2.8B | 1.3B | 7.0B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-12.9%
SMA 50SMA 200
Close
$1.46
RSI (14)
37.2
52W High
$3.55
From 52W High
0.4%
SCORE BREAKDOWN
Quality
27
ROIC (ROA)
1.0%*35.0
ROE
6.5%31.7
GP/Assets
24.9%N/A
Op. Margin
-5.1%5.5
FCF/Assets
-8.5%N/A
Piotroski
28.9
Int. Cover
—50.0
D/E Ratio
1.91xN/A
Current Ratio
bankN/A
Value
34
P/E (TTM)
54.8x5.1
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.4x39.8
P/S
0.9x90.9
Div Yield
—N/A
Momentum
25
52W High %
41%3.9
RS 6M
-20%13.7
SMA 50/200
0.86x6.5
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+710%98.2
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$123M
P/E (Forward)
6.8x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FINOPB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FINOPB.NS | Fino Payments Bank Limited(you) | $123M | 11 | Strong Sell |
| UTKARSHBNK.NS | Utkarsh Small Finance Bank Limited | $295M | 19 | Strong Sell |
| ESAFSFB.NS | ESAF Small Finance Bank | $226M | 36 | Hold |
| CSBBANK.NS | CSB Bank Limited | $559M | 43 | Hold |
| CAPITALSFB.NS | Capital Small Finance Bank Limited | $133M | 72 | Buy |
| EQUITASBNK.NS | Equitas Small Finance Bank Limited | $875M | 36 | Hold |
| DHANBANK.NS | Dhanlaxmi Bank Limited | $130M | 84 | Strong Buy |
| PSB.NS | Punjab & Sind Bank | $1.7B | 34 | Sell |
| SURYODAY.NS | Suryoday Small Finance Bank Limited | $174M | 81 | Strong Buy |
| JSFB.NS | Jana Small Finance Bank Limited | $602M | 56 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%