Fino Payments Bank Complete Financial Statements
FINOPB • Review detailed financials to uncover trends, confirm thesis & journal trades
8 Years of Data
2025 - 2018
Complete Financial Data Export
Export complete financial statements for Fino Payments Bank (FINOPB).
Downloads include all available records across all periods.
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Profitability Ratios
Net Profit Margin
5.04%
2025 data
EBITDA Margin
9.26%
2025 data
Operating Margin
-707.00%
2025 data
Return on Assets
2.21%
2025 data
Return on Equity
12.45%
2025 data
Balance Sheet Ratios
Current Ratio
0.37
2025 data
Debt to Equity
5.63
2025 data
Equity Ratio
17.76%
2025 data
Asset Turnover
0.44
2025 data
Year-over-Year Growth Analysis
Comparing March 2025 vs Period
Revenue Growth
-2.1%
Year-over-Year
Net Profit Growth
-14.0%
Year-over-Year
EBITDA Growth
-39.2%
Year-over-Year
Expense Growth
+1.3%
Year-over-Year
Assets Growth
+23.0%
Year-over-Year
Equity Growth
+16.2%
Year-over-Year
Liabilities Growth
+23.0%
Year-over-Year
Operating Cash Flow Growth
+33.3%
Year-over-Year
Investing Cash Flow Growth
-57.7%
Year-over-Year
Financing Cash Flow Growth
-54.5%
Year-over-Year
Income Statement
Periods
₹ Crores
| Particulars | None | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,808 | 1,847 | 1,478 | 1,230 | 1,009 | 791 | 691 | 371 | 230 |
| Expenses | 1,597 | 1,576 | 1,260 | 1,076 | 915 | 707 | 690 | 410 | 279 |
| EBITDA | 104 | 171 | 140 | 107 | 78 | 74 | -9 | -44 | -51 |
| Operating Profit Margin % | -624.00% | -707.00% | -740.00% | -1034.00% | -2469.00% | -3393.00% | -3706.00% | -2039.00% | -1699.00% |
| Depreciation | 0 | 62 | 53 | 42 | 36 | 54 | 24 | 18 | 16 |
| Interest | 108 | 101 | 79 | 47 | 15 | 10 | 10 | 6 | 3 |
| Profit Before Tax | 104 | 108 | 86 | 65 | 43 | 21 | -32 | -62 | -67 |
| Tax | 24 | 16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | 80 | 93 | 86 | 65 | 43 | 21 | -32 | -62 | -67 |
| Earnings Per Share (₹) | 9.60 | 11.12 | 10.36 | 7.82 | 5.34 | 2.62 | -7.19 | -13.99 | -16.41 |
Related Pages for Fino Payments Bank
Additional stock information and data for FINOPB
Balance Sheet
Years
Annual Data
₹ Crores
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||
| Total Assets | 4,206 | 3,419 | 2,466 | 1,680 | 1,010 | 624 | 684 | 538 |
| Current Assets | 1,302 | 1,438 | 1,100 | 861 | 442 | 357 | 490 | 423 |
| Fixed Assets | 167 | 148 | 139 | 92 | 62 | 49 | 42 | 46 |
| Capital Work in Progress | 130 | 47 | 6 | 1 | 2 | 0 | 0 | 1 |
| Investments | 2,388 | 1,747 | 1,146 | 631 | 504 | 128 | 73 | 64 |
| Other Assets | 1,520 | 1,477 | 1,175 | 956 | 443 | 446 | 569 | 427 |
| LIABILITIES | ||||||||
| Total Liabilities | 4,206 | 3,419 | 2,466 | 1,680 | 1,010 | 624 | 684 | 538 |
| Current Liabilities | 3,526 | 2,768 | 1,904 | 1,232 | 574 | 358 | 293 | 312 |
| Non-Current Liabilities | ||||||||
| SHAREHOLDERS' EQUITY | ||||||||
| Total Equity | 747 | 643 | 553 | 480 | 151 | 130 | 162 | 225 |
| Share Capital | 83 | 83 | 83 | 83 | 45 | 45 | 45 | 45 |
| Reserves & Surplus | 664 | 560 | 469 | 397 | 106 | 86 | 118 | 180 |
Cash Flow Statement
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | 76 | 57 | -20 | 207 | -32 | -84 | 29 | -181 |
| Investing Activities | -164 | -104 | -97 | -64 | -69 | -31 | -14 | -34 |
| Financing Activities | 127 | 279 | 184 | 352 | 70 | 28 | 35 | 149 |
| Net Cash Flow | 39 | 232 | 68 | 495 | -31 | -86 | 50 | -66 |