Stock FINOPB FINO PAYMENTS BANK LIMITED
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Financials Fino Payments Bank Limited

Equities

FINOPB

INE02NC01014

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:53 2024-07-12 am EDT 		5-day change 1st Jan Change
309 INR -2.49% Intraday chart for Fino Payments Bank Limited -0.60% +18.41%
May. 31 Fino Payments Bank Limited Announces Resignation of Ashish Ahuja, Chief Sales Officer, Effective July 30, 2024 CI
May. 02 Transcript : Fino Payments Bank Limited, Q4 2024 Earnings Call, May 02, 2024

Valuation

Fiscal Period: Marzo 2022 2023 2024 2025 2026
Capitalization 1 20,920 16,997 25,713 - -
Enterprise Value (EV) 1 20,920 16,997 23,658 25,713 25,713
P/E ratio 47.1 x 26.1 x 27.4 x 30.7 x 23.3 x
Yield - - - - -
Capitalization / Revenue 2.11 x 1.44 x 1.84 x 1.53 x 1.27 x
EV / Revenue 2.11 x 1.44 x 1.84 x 1.53 x 1.27 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 5.59 x 3.08 x 4.14 x 3.6 x 3.14 x
Nbr of stocks (in thousands) 83,214 83,214 83,214 - -
Reference price 2 251.4 204.2 309.0 309.0 309.0
Announcement Date 5/16/22 5/2/23 4/30/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: Marzo 2021 2022 2023 2024 2025 2026
Net sales 1 - 9,935 11,825 13,986 16,813 20,177
EBITDA - - - - - -
EBIT 1 - 427.4 650.8 875 1,118 1,473
Operating Margin - 4.3% 5.5% 6.26% 6.65% 7.3%
Earnings before Tax (EBT) 1 - 427.4 650.8 872 1,118 1,473
Net income 1 204.7 427.4 650.8 872 838.2 1,104
Net margin - 4.3% 5.5% 6.23% 4.99% 5.47%
EPS 2 2.620 5.340 7.820 10.36 10.07 13.26
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 8/2/21 5/16/22 5/2/23 4/30/24 - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2021 2022 2023 2024 2025 2026
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) - 13.6% 12.6% 15% 12.5% 14.3%
ROA (Net income/ Total Assets) - 3.18% 3.14% 3% 2.16% 2.41%
Assets 1 - 13,440 20,732 29,067 38,759 45,748
Book Value Per Share 2 - 45.00 66.40 74.60 85.80 98.50
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 8/2/21 5/16/22 5/2/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Fino Payments Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
309 INR
Average target price
402.5 INR
Spread / Average Target
+30.26%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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