Fino Payments Bank Limited (FINOPB)
Small CapFinancial Services stocks · Small cap · NSE
Fino Payments Bank Limited operates in Small Finance Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
One read, four checks
75+ is strong, 60-74 is usable, 45-59 is mixed, and below 45 needs caution. These are research lenses, not buy/sell instructions.
Weak fundamentals, management trust is a red flag, price trend argues for patience, and recent execution is weak.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
low confidence · 0/0 claims checked
Timing lens: price trend and sector relative strength.
Rolling lens: recent quarterly delivery, not the latest single-result score.
Quarter ended 30 Jun 2026
Bad · 25/100PAT -178% YoY · Rev +18% YoY · margin expansion · +13% QoQ
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹72 Cr | +18.0% | +12.5% |
| EBITDA | ₹-213 Cr | +37.2% | +12.0% |
| Operating margin | -295.0% | +26200 bps | +8200 bps |
| PAT | ₹-14 Cr | -177.8% | -300.0% |
| PAT margin | -19.4% | -4895 bps | -3038 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Business & thesis
Growth engines, tailwinds/headwinds, and risk radar from management commentary
Business & thesis
Growth engines, tailwinds/headwinds, and risk radar from management commentary
Issuer presentation review pending
Fino Payments Bank Limited operates in Small Finance Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Management accountability
What management said, and what results must prove
Management accountability
What management said, and what results must prove
Trend score and candlestick chart
18Strong Bearfull bear SMA stack · SMA20 -10.6% / mo · MACD − · near 52W low
Technical chart
FINOPBdaily · 1Y · AUTO-23.4%Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 38.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- SMA20 falling (~11.9% over last month) — short-term momentum negative.
- RSI(14) at 38 — sideways, no extreme reading.
- MACD below signal but histogram contracting — bearish momentum easing.
- 59% off 52W high · 27% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation & score drivers
U-Score 15 · OVERVALUED · pillar breakdown, sector model, fair-value anchor
Valuation & score drivers
U-Score 15 · OVERVALUED · pillar breakdown, sector model, fair-value anchor
Fundamental score breakdown
OVERVALUEDWhy this score?
Top U-Score contributors and drags from the latest stored fundamentals.
Positive drivers
- Growth contributes 12/25 to the score.
- Balance sheet contributes 1/15 to the score.
- Valuation contributes 0/30 to the score.
Main drags
- Altman Z is -0.2, in distress territory.
- Fair-value margin of safety is negative at -100.0%.
- Valuation is weaker at 0/30; verify the latest quarterly trend.
Bank valuation: P/B adjusted for ROE and asset quality
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Score history
12 stored score snapshots. Latest stored move: +0 points.
Factor attribution
Modelled fair value
Trust score
Does management behaviour match later outcomes? Claim delivery, forensic breakdown, evidence depth
Trust score
Does management behaviour match later outcomes? Claim delivery, forensic breakdown, evidence depth
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Weak Trust: Claim history is still being built. It ranks around the 1st percentile of the scored universe and 1st percentile within Financial Services. Main check: cash conversion is weak at 28/100.
Low Trust Lite: Promoter holding is 75%. Key concern: Operating cash flow is negative at ₹-307 Cr.
Management or financial behaviour needs caution. Demand stronger valuation compensation.
overall median 67 · Financial Services: 1st pctile, median 62 · Small: 2nd pctile, median 66
89 documents have extracted text, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Weak Trust · low confidenceRead Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust positives
- ▸Promoter holding is 75%.
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-307 Cr.
- ▸Debt/equity is 5.08.
- ▸4 latest quarters had PAT decline worse than 25% YoY.
- ▸Only 1 years of positive FCF.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Financials
Full fundamentals table and 10-year revenue / profit / ROE history
Financials
Full fundamentals table and 10-year revenue / profit / ROE history
Fundamentals
Valuation
- P/E
- 47.40
- P/B
- 1.50
- EV/EBITDA
- —
- Market Cap
- 1159.00Cr
Profitability
- ROE
- 7.37%
- ROCE
- 4.53%
- ROA
- 0.40%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 65.00%
- EPS 5Y
- 21.00%
- Revenue 3Y
- 38.00%
- EPS 3Y
- -5.00%
Balance Sheet
- Debt/Equity
- 5.08
- Interest Coverage
- -8.49×
- Altman Z
- -0.20
- Book Value
- 92.60
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 1/5
- OCF
- -307.00 Cr
- EPS TTM
- 2.51
Shareholding
- Promoter Hold
- 75.00%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 13%
Financial History
Updated 5/9/2026
Revenue
₹ CrNet Profit
₹ CrReturn on Equity
%Peers
Business-comparable names in Financial Services, ranked by similarity
Peers
Business-comparable names in Financial Services, ranked by similarity
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.