Is Fino Payments Bank Ltd debt-free?

Yes, Fino Payments Bank Ltd is debt-free with a debt-to-equity ratio of .

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Fino Payments Bank Ltd

Fino Payments Bank Ltd Financials

Fino Payments Bank Ltd Financial Statement

Fino Payments Bank Ltd Income Statement

Quarterly

Annual

*All values are in Rs. Cr

Particulars	Mar 2025	Dec 2024	Sep 2024
Revenue	493.49	461.34	455.41
Operating Expense	437.80	407.24	404.43
Net Profit	24	23.11	21.15
Net Profit Margin	4.86	5.01	4.64
Earning Per Share	2.89	2.78	2.54
EBIDTA	55.69	54.10	50.98
Effective Tax Rate	10.24	9.87	9.38

Particulars	Mar 2025
Revenue	493.49
Operating Expense	437.80
Net Profit	24.00
Net Profit Margin	4.86
Earning Per Share	2.89
EBIDTA	55.69
Effective Tax Rate	10.24

Fino Payments Bank Ltd Profit & Loss

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2024	Mar 2023	Mar 2022
Total Revenue Annual	TBA	TBA	TBA
Operating Expenses Annual	1,392.08	1,164.83	966.11
Operating Profit Annual	218.65	154.31	93.50
Interest Annual	78.90	47.37	15.31
Depreciation	53.45	41.85	35.45
Net Profit Annual	TBA	TBA	TBA
Tax Annual	0.08	TBA	TBA

Particulars	Mar 2024
Total Revenue Annual	TBA
Operating Expenses Annual	1,392.08
Operating Profit Annual	218.65
Interest Annual	78.90
Depreciation	53.45
Net Profit Annual	TBA
Tax Annual	0.08

Fino Payments Bank Ltd Cash Flow

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2023	Mar 2022	Mar 2021
Cash Flow at the Beginning	766.16	270.82	301.98
Cash Flow from Operations	-20.10	207.44	-32.22
Cash Flow from Investing	-96.53	-64.31	-68.95
Cash Flow from Financing	184.41	352.22	70.01
Cash Flow at the End	833.94	766.16	270.82

Particulars	Mar 2023
Cash Flow at the Beginning	766.16
Cash Flow from Operations	-20.10
Cash Flow from Investing	-96.53
Cash Flow from Financing	184.41
Cash Flow at the End	833.94

Fino Payments Bank Ltd Key Ratios

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2024	Mar 2023	Mar 2022
PBDIT Margin (%)	TBA	TBA	TBA
PBIT Margin (%)	TBA	TBA	TBA
PBT Margin (%)	TBA	TBA	TBA
Net PROFIT Margin (%)	5.83	5.29	4.24
Return On Networth / Equity (%)	10.55	8.39	7.09
Return On Networth /Employed (%)	TBA	TBA	TBA
Return On Assets (%)	TBA	TBA	TBA
Total Debt / Equity (X)	TBA	TBA	TBA
Asset Turnover Ratio (%)	TBA	TBA	TBA

Particulars	Mar 2024
PBDIT Margin (%)	TBA
PBIT Margin (%)	TBA
PBT Margin (%)	TBA
Net PROFIT Margin (%)	5.83
Return On Networth / Equity (%)	10.55
Return On Networth /Employed (%)	TBA
Return On Assets (%)	TBA
Total Debt / Equity (X)	TBA
Asset Turnover Ratio (%)	TBA

Fino Payments Bank Ltd Balance Sheet

*All values are in Rs. Cr

Standalone

Consolidated

Particulars	Mar 2024	Mar 2023	Mar 2022
Fixed Assets Annual	147.91	139.43	92.29
Total Current Assets Annual	TBA	TBA	TBA
Non Current Assets Annual	TBA	TBA	TBA
Total Shareholders Funds Annual	643.17	552.55	479.83
Total Assets Annual	3,419.11	2,466.40	1,680.00

Particulars	Mar 2024
Fixed Assets Annual	147.91
Total Current Assets Annual	TBA
Non Current Assets Annual	TBA
Total Shareholders Funds Annual	643.17
Total Assets Annual	3,419.11

Fino Payments Bank Ltd Earning Calls

No Data Availabe

Dividend Pages

PE Ratio

FAQS on Fino Payments Bank Ltd Financials

As of May 17, 2025, Fino Payments Bank Ltd has a market capitalization of 1,898.63 Cr. Value Research classifies it as a Small-Cap company.

Yes, Fino Payments Bank Ltd is with a debt-to-equity ratio of .

In FY 2024 , Fino Payments Bank Ltd recorded a total revenue of approximately 195.23 Cr marking a significant milestone in the company's financial performance.

Fino Payments Bank Ltd's Future outlook anticipates robust growth, with forecasted earnings and revenue rising approximately 0.1% and 0.4% annually, respectively..

Fino Payments Bank Ltd's current PE ratio is 20.52.

Fino Payments Bank Ltd's ROCE averaged 24.7% from the FY ending March 2023 to 2025, with a median of 25.7%. It peaked at 28.0% in March 2025, reflecting strong capital efficiency over the period..

Fino Payments Bank Ltd's latest EBIT is Rs. 208.93 Cr, surpassing the average EBIT of Rs. 162.19 Cr over the 5 years..