FINO PAYMENTS BANK LTD
FINOPB · General/Diversified · NSE
₹136
Current Market Price
Fair Value (DCF)
₹236
Margin of Safety
+73.4%
Updated just now
YieldIQ Score
69/100
Piotroski F-Score
6/9
Economic Moat
Narrow
Confidence
43%
ROE
—
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹1,132 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.16×
Revenue per ₹ of assets
Revenue CAGR (3Y)
21.4%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹136.08
Bear case
₹149.28
MoS +8.8%
Base case
₹235.99
MoS +42.3%
Bull case
₹287.83
MoS +52.7%
Ratio Trends
FINOPB · last 4 annual periods
ROE
12.4%
ROCE
—
Operating Margin
—
Debt / Equity
1.12×
PE
26.1×
EV / EBITDA
—
Historical Financials
FINOPB · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | — | ₹447 Cr | — | ₹678 Cr | +14.9% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | — | ₹65.1 Cr | — | ₹92.5 Cr | +12.4% |
| EPS (diluted) | ₹5.34 | — | ₹3.02 | — | -17.3% |
| CFO | — | ₹-20.1 Cr | — | ₹76.2 Cr | — |
| CapEx | — | ₹-94.3 Cr | — | ₹-165 Cr | — |
| FCF | — | ₹-114 Cr | — | ₹-88.3 Cr | — |
| Total Assets | ₹1680 Cr | ₹2466 Cr | ₹3419 Cr | ₹4206 Cr | +35.8% |
| Total Debt | — | ₹434 Cr | — | ₹839 Cr | +24.6% |
| Shareholders' Equity | — | ₹553 Cr | — | ₹747 Cr | +10.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
FINOPB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| CAPITALSFB CAPITAL SMALL FIN BANK L | +289.1% | 79 | Undervalued | 9.9% | — |
| ESAFSFB ESAF SMALL FINANCE BANK L | +460.0% | 53 | Undervalued | -26.8% | — |
| DHANBANK DHANLAXMI BANK LIMITED | +91.3% | 58 | Undervalued | 7.0% | — |
| SURYODAY SURYODAY SMALL FIN BK LTD | +279.2% | 66 | Undervalued | 3.4% | — |
| UTKARSHBNK UTKARSH SMALL FIN BANK L | +15.0% | 38 | Fairly valued | 0.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for FINOPB in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. FINO PAYMENTS BANK LTD (FINOPB.NS) trades at 136.08 vs a model fair value of 235.99, a gap of 73.4%. Piotroski F-score: 6/9. Moat label: ...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of FINOPB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for FINOPB →
Compare
Head-to-head with peers
Compare FINOPB side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse FINOPBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.