NSE : FINOPB.NS

Fino Payments Bank Limited — Financials

$170.04 INR

-$1 (-0.58%)

Volume
1.42M
Average Volume
3.27M
Market Capitalization
$14.15B
P/E Ratio
27.03
Dividend Yield
0.00%
Price Target
Year High
$339.00
Year Low
$110.03
Day High
Day Low
Payout Ratio
$0.00
Current Ratio
$0.00
FINOPB.NS Financial Statements
date 2026-03-31 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31
revenue 15.79B 7.78B 6.35B 4.94B 3.94B 3.28B 2.53B 1.95B 2.36B
costOfRevenue 1.14B 1.01B 789.01M 473.69M 153.06M 95.42M 98.68M 55.28M -
grossProfit 14.65B 6.78B 5.56B 4.47B 3.78B 3.18B 2.43B 1.9B 2.36B
researchAndDevelopmentExpenses - - - - - - - - -
generalAndAdministrativeExpenses 2.22B 634.11M 566.42M 381.45M 389.15M 297.27M 239.83M 244.22M 230.74M
sellingAndMarketingExpenses - 120.36M 95.39M 116.24M 161.52M 86.36M 70.83M 41.96M 140.74M
sellingGeneralAndAdministrativeExpenses 2.22B 754.46M 661.81M 497.69M 550.66M 383.63M 310.66M 286.18M 1.85B
otherExpenses 11.75B 4.94B 4.03B 3.32B 2.8B 2.59B 2.44B 2.24B -
operatingExpenses 13.97B 5.69B 4.69B 3.82B 3.35B 2.98B 2.75B 2.52B 3.04B
costAndExpenses 15.12B 6.7B 5.48B 4.29B 3.51B 3.07B 2.85B 2.58B 3.04B
netInterestIncome 1.34B 946.46M 711.45M 474.96M 203.22M 107.13M 82.62M 136.24M -
interestIncome 2.48B 1.95B 1.5B 948.65M 356.28M 202.55M 181.3M 191.52M -
interestExpense 1.14B 1.01B 789.01M 473.69M 153.06M 95.42M 98.68M 55.28M -
depreciationAndAmortization 761.5M 621.5M 534.46M 418.55M 354.5M 535.83M 235.66M 182.59M 673.43M
ebitda 1.44B 1.71B 1.4B 1.07B 781.91M 740.6M -84.7M -441.24M -673.43M
ebit 674.1M 1.08B 863.01M 650.87M 427.41M 204.77M -320.36M -623.83M -158.32M
nonOperatingIncomeExcludingInterest - - - - - - - - -515.11M
operatingIncome 674.1M 1.08B 863.01M 650.87M 427.41M 204.77M -320.36M -623.83M -673.43M
totalOtherIncomeExpensesNet - - - - - - - - -
incomeBeforeTax 674.1M 1.08B 863.01M 650.87M 427.41M 204.77M -320.36M -623.83M 673.43M
incomeTaxExpense 149.5M 158.2M 800K - - - - - 1.35B
netIncomeFromContinuingOperations 524.6M 925.34M 862.21M 650.87M 427.41M 204.77M -320.36M -623.83M -673.43M
netIncomeFromDiscontinuedOperations - - - - - - - - -
otherAdjustmentsToNetIncome - 4000 31000 - - -28000 - -10000 -
netIncome 524.6M 925.35M 862.24M 650.87M 427.41M 204.74M -320.36M -623.84M -673.43M
netIncomeDeductions - - - - - - - - -
bottomLineNetIncome 524.6M 925.35M 862.24M 650.87M 427.41M 204.74M -320.36M -623.84M -673.43M
eps 6.3 11.12 10.36 7.82 5.34 2.62 -4.12 -8 -9.38
date 2026-03-31 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31
cashAndCashEquivalents 13.51B 11.04B 10.66B 8.34B 7.66B 2.71B 3.02B 3.88B 3B
shortTermInvestments - - - - - - - -1.41B -
cashAndShortTermInvestments 13.51B 11.04B 10.66B 8.34B 7.66B 2.71B 1.82B 2.48B 3B
netReceivables - 216.68M 68.1M 53.92M 42.78M 13.6M - - -
accountsReceivables - 216.68M 68.1M 53.92M 42.78M 13.6M - - -
otherReceivables - - - - - - - - -
inventory - - - -8.54B -7.87B - -3.19B -4.12B -
prepaids - 81.14M 110.06M 88.41M 123.27M - - - -
otherCurrentAssets - -10000 - 8.54B 7.87B -832.9M 3.19B - -
totalCurrentAssets 13.51B 11.34B 10.83B 8.48B 7.83B 1.89B 1.82B 2.48B 3B
propertyPlantEquipmentNet 3.64B 2.98B 1.95B 1.45B 927.48M 642.18M 494.92M 422.31M 468.63M
goodwill - - - - - - - - -
intangibleAssets - - - - - - - - -
goodwillAndIntangibleAssets - - - - - - - - -
longTermInvestments 32.55B 1.7M 17.47B 11.46B 6.31B 5.04B 1.28B 732.02M -
taxAssets - - - - - - - - -
otherNonCurrentAssets 3.43B 27.74B 7.27B -11.46B -6.31B -5.04B -1.28B -732.02M 1.91B
totalNonCurrentAssets 39.61B 30.72B 26.7B 1.45B 927.48M 642.18M 494.92M 422.31M 2.38B
otherAssets - - 23.36B 16.18B 8.97B 7.57B 3.93B 3.94B -
totalAssets 53.12B 42.06B 34.19B 24.66B 16.8B 10.1B 6.24B 6.84B 5.38B
totalPayables - 11.94M 9.15M 3.61M 366K 198K 370K 400K -
accountPayables - 11.94M 9.15M 3.61M 366K 198K 370K 400K -
otherPayables - - - - - - - - -
accruedExpenses - - - - - - - - 85000
shortTermDebt - 8.39B 7.13B 4.34B 2.5B 1.81B - - -
capitalLeaseObligationsCurrent - - - - - - - - -
taxPayables - - - - - - - - -
deferredRevenue - - - -4.34B -2.5B -1.81B -1.11B -828.63M -
otherCurrentLiabilities - 10.99B 14.13B -3.61M -366K -198K 1.11B -400K -
totalCurrentLiabilities - 19.39B 21.26B 3.61M 347K 200K 370K 400K 85000
longTermDebt 15.35B - - - - - - - -
capitalLeaseObligationsNonCurrent - - - - - - - - -
deferredRevenueNonCurrent - - - - - - - - -
deferredTaxLiabilitiesNonCurrent - - - - - - - - -
otherNonCurrentLiabilities 29.71B 34.59B 27.76B 19.14B 12B 8.6B - - -
totalNonCurrentLiabilities 45.07B 34.59B 27.76B 19.14B 12B 8.6B 1.11B 829.03M -
otherLiabilities - - -21.26B 14.79B 9.5B 6.79B 3.83B 4.39B -
capitalLeaseObligations - - - - - - - - -
totalLiabilities 45.07B 34.59B 27.76B 19.14B 12B 8.6B 4.94B 5.22B 85000
treasuryStock - - - - - - - - -
preferredStock - - - - - - - - -
commonStock 832.2M 832.2M 832.14M 832.1M 832.14M 445.8M 445.8M 445.8M 445.8M
retainedEarnings - -1.35B -1.92B -2.47B -2.72B -3.04B -3.19B -2.87B -2.25B
additionalPaidInCapital 6.87B 6.49B 6.49B 6.49B 6.49B 4.04B 4.04B 4.04B 4.04B
date 2026-03-31 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31
netIncome 524.6M 925.3M 863.01M 650.8M 427.41M 204.74M -320.36M -623.84M -673.43M
depreciationAndAmortization - 621.5M 534.46M 418.6M 354.5M 535.83M 235.66M 182.59M 160.9M
deferredIncomeTax - - - 69.9M 1.25B - - - -
stockBasedCompensation - 124.2M 43.99M 76.3M 31.86M - - - -
changeInWorkingCapital -238.9M -6.29B -904.72M -1.42B 1.3B -1.23B -860.23M 636.28M -1.53B
accountsReceivables - - - - - - - - -
inventory - - - - - - - - -
accountsPayables - - - - - - - - -
otherWorkingCapital -238.9M -6.29B -904.72M -1.42B 1.3B -1.23B -860.23M 553.15M -1.53B
otherNonCashItems 1.15B 113.3M -4.92B 200K -1.29B 169.55M 108.2M 91.34M -158.68M
netCashProvidedByOperatingActivities 1.44B -4.51B -4.39B -201M 2.07B -322.24M -836.73M 286.37M -2.21B
investmentsInPropertyPlantAndEquipment -1.43B -1.65B -1.04B -943.4M -643.54M -690.38M -309.34M -137.81M -336.17M
acquisitionsNet - - - -25M 430K 920K 3.92M 1.6M -
purchasesOfInvestments -8.9B - - -5.15B -1.28B -3.75B -550.68M -94.29M -
salesMaturitiesOfInvestments - - - 5.15B 1.28B 3.75B 546.76M 92.69M -
otherInvestingActivities 800K 600K 259K 3.1M 430K 920K 3.92M 1.6M -
netCashProvidedByInvestingActivities -10.33B -1.64B -1.04B -965.3M -643.11M -689.46M -305.42M -136.21M -336.17M
netDebtIssuance 6.96B 1.27B 2.79B 1.84B 688.58M 700.07M 278.88M 349.65M -581K
longTermNetDebtIssuance 6.96B 1.27B 2.79B 1.84B 688.58M 700.07M 278.88M 349.65M -581K
shortTermNetDebtIssuance - - - - - - - - -
netStockIssuance - 900K - - 2.83B - - - -
netCommonStockIssuance - 900K - - 2.83B - - - -
commonStockIssuance - 900K - - 2.83B - - - -
commonStockRepurchased - - - - - - - - -
netPreferredStockIssuance - - - - - - - - -
netDividendsPaid - - - - - - - - -
commonDividendsPaid - - - - - - - - -
preferredDividendsPaid - - - - - - - - -
otherFinancingActivities 4.4B 5.27B 4.95B 4.14B 2.58B -4000 - 83.13M 1.88B
netCashProvidedByFinancingActivities 11.36B 6.54B 7.74B 5.99B 6.1B 700.07M 278.88M 349.65M 1.88B
date 2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31
revenue 3.37B 3.88B 4B 4.53B -5.76B 4.61B 4.55B 4.37B -4.43B 3.7B
costOfRevenue 288.8M 294.1M 276.2M 283.7M 259.94M 256.5M 250.5M 238.9M 229.91M 215.9M
grossProfit 3.09B 3.59B 3.72B 4.25B -6.02B 4.36B 4.3B 4.13B -4.66B 3.49B
researchAndDevelopmentExpenses - - - - - - - - - -
generalAndAdministrativeExpenses 533.2M 541.6M - - - - - - - -
sellingAndMarketingExpenses - - - - - - - - - -
sellingGeneralAndAdministrativeExpenses 533.2M 541.6M - - - - - 497.7M - -
otherExpenses 2.51B 2.87B 2.95B 4B -6.31B 4.07B 4.04B 3.39B -4.91B 3.26B
operatingExpenses 3.04B 3.41B 3.51B 4B -6.31B 4.07B 4.04B 3.89B -4.91B 3.26B
costAndExpenses 3.33B 3.71B 3.79B 4.29B -6.05B 4.33B 4.29B 4.13B -4.68B 3.47B
netInterestIncome 352.2M 335.5M 324.9M 326.2M 267.86M 237M 227M 214.4M 184.05M 175.6M
interestIncome 641M 629.6M 601.1M 609.9M 527.8M 493.5M 477.5M 453.3M 413.96M 391.5M
interestExpense 288.8M 294.1M 276.2M 283.7M 259.94M 256.5M 250.5M 238.9M 229.91M 215.9M
depreciationAndAmortization - - 352.1M - - - - - - -
ebitda 41M 205.5M 564.3M 246.3M 297.04M 284.5M 259.3M 242.7M 252.04M 228M
ebit 41M 205.5M 212.2M 246.3M 297.04M 284.5M 259.3M 242.7M 252.04M 228M
nonOperatingIncomeExcludingInterest - - - - - - - - - -
operatingIncome 41M 205.5M 212.2M 246.3M 297.04M 284.5M 259.3M 242.7M 252.04M 228M
totalOtherIncomeExpensesNet - -31M - - - - - - - -
incomeBeforeTax 41M 174.5M 212.2M 246.3M 297.04M 284.5M 259.3M 242.7M 252.04M 228M
incomeTaxExpense -30M 52M 58.7M 68.7M 57M 53.4M 47.8M - 800K -
netIncomeFromContinuingOperations 71M 122.5M 153.5M 177.6M 240.04M 231.1M 211.5M 242.7M 252.04M 228M
netIncomeFromDiscontinuedOperations - - - - - - - - - -
otherAdjustmentsToNetIncome - - - - 4000 - - - - -
netIncome 71M 122.5M 153.5M 177.6M 240.05M 231.1M 211.5M 242.7M 252.04M 228M
netIncomeDeductions - - - - - - - - - -
bottomLineNetIncome 71M 122.5M 153.5M 177.6M 240.05M 231.1M 211.5M 242.7M 252.04M 228M
eps 0.85 1.47 1.84 2.13 2.89 2.78 2.54 2.92 3.03 2.74
date 2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31
cashAndCashEquivalents 13.51B - 11.98B - 11.04B - 9.02B - 10.66B -
shortTermInvestments - - - - - - - - - -
cashAndShortTermInvestments 13.51B - 11.98B - 11.04B - 9.02B - 10.66B -
netReceivables - - - - 216.68M - - - 68.1M -
accountsReceivables - - - - 216.68M - - - 68.1M -
otherReceivables - - - - - - - - - -
inventory - - - - - - - - - -
prepaids - - - - - - - - - -
otherCurrentAssets - - - - -11.26B - - - -68.1M -
totalCurrentAssets 13.51B - 11.98B - 11.12B - 9.02B - 10.66B -
propertyPlantEquipmentNet 3.64B - 3.32B - 2.98B - 2.41B - 1.95B -
goodwill - - - - - - - - - -
intangibleAssets - - - - - - - - - -
goodwillAndIntangibleAssets - - - - - - - - - -
longTermInvestments 32.55B - 23.74B - 1.7M - 19.03B - 17.47B -
taxAssets - - - - - - - - - -
otherNonCurrentAssets 3.43B - 4.2B - 39.08B - 23.83B - 4.11B -
totalNonCurrentAssets 39.61B - 31.26B - 42.06B - 45.27B - 23.54B -
otherAssets - - - - - - -19.03B - - -
totalAssets 53.12B - 43.24B - 42.06B - 35.26B - 34.19B -
totalPayables - - - - 11.94M - - - 9.15M -
accountPayables - - - - 11.94M - - - 9.15M -
otherPayables - - - - - - - - - -
accruedExpenses - - - - 11.94M - - - 9.15M -
shortTermDebt - - - - 8.39B - - - 7.13B -
capitalLeaseObligationsCurrent - - - - - - - - - -
taxPayables - - - - - - - - - -
deferredRevenue - - - - - - - - - -
otherCurrentLiabilities - - - - -8.42B - - - 7B -
totalCurrentLiabilities - - - - - - - - 14.14B -
longTermDebt 15.35B - 8.65B - - - 7.96B - - -
capitalLeaseObligationsNonCurrent - - - - - - - - - -
deferredRevenueNonCurrent - - - - - - - - - -
deferredTaxLiabilitiesNonCurrent - - - - - - - - - -
otherNonCurrentLiabilities 29.71B -7.86B 26.72B -7.47B 34.59B -6.91B 6.02B -6.43B 27.76B -5.92B
totalNonCurrentLiabilities 45.07B -7.86B 35.38B -7.47B 34.59B -6.91B 13.98B -6.43B 27.76B -5.92B
otherLiabilities - - - - - - - - -14.14B -
capitalLeaseObligations - - - - - - - - - -
totalLiabilities 45.07B -7.86B 35.38B -7.47B 34.59B -6.91B 28.35B -6.43B 27.76B -5.92B
treasuryStock - - - - - - - - - -
preferredStock - - - - - - - - - -
commonStock 832.2M - 832.2M - 832.2M - 832.1M - 832.1M -
retainedEarnings - - - - -1.35B - - - -1.92B -
additionalPaidInCapital 6.87B - 6.7B - 6.49B - 5.88B - 6.49B -
date 2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31
netIncome 71M 122.5M 331.1M 177.6M 240M 231.1M 211.5M 242.7M 252.1M 228M
depreciationAndAmortization - - 352.1M - - - - - - -
deferredIncomeTax - - - - - - - - - -
stockBasedCompensation - - 57M - 124.2M - - - 44M -
changeInWorkingCapital - - -1.04B - - - - - - -
accountsReceivables - - - - - - - - - -
inventory - - - - - - - - - -
accountsPayables - - - - - - - - - -
otherWorkingCapital - - -1.04B - - - - - - -
otherNonCashItems -71M -122.5M 159.3M -177.6M -364.2M -231.1M -211.5M -242.7M -296.1M -228M
netCashProvidedByOperatingActivities - - -140.1M - - - - - - -
investmentsInPropertyPlantAndEquipment - - -696.7M - - - - - - -
acquisitionsNet - - - - - - - - - -
purchasesOfInvestments - - - - - - - - - -
salesMaturitiesOfInvestments - - - - - - - - - -
otherInvestingActivities - - - - - - - - - -
netCashProvidedByInvestingActivities - - -696.7M - - - - - - -
netDebtIssuance - - - - - - - - - -
longTermNetDebtIssuance - - - - - - - - - -
shortTermNetDebtIssuance - - - - - - - - - -
netStockIssuance - - - - - - - - - -
netCommonStockIssuance - - - - - - - - - -
commonStockIssuance - - - - - - - - - -
commonStockRepurchased - - - - - - - - - -
netPreferredStockIssuance - - - - - - - - - -
netDividendsPaid - - - - - - - - - -
commonDividendsPaid - - - - - - - - - -
preferredDividendsPaid - - - - - - - - - -
otherFinancingActivities - - 1.77B - - - - - - -
netCashProvidedByFinancingActivities - - 1.77B - - - - - - -