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Fino Payments Bank Complete Financial Statements

9 Years of Data
2026 - 2018

In FY2026, Fino Payments Bank (FINOPB) reported revenue ₹248 Cr, net profit ₹52 Cr and EPS ₹6.30, with a net profit margin of 21.0% and ROE of 7.0%. Full financial statements from FY2018 to FY2026 (9 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore Fino Payments Bank intrinsic worth to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 20.97% 2026 data
Operating Margin -467.00% 2026 data
Return on Assets 1.24% 2026 data
Return on Equity 6.96% 2026 data

Balance Sheet Ratios

Current Ratio 0.37 2026 data
Equity Ratio 17.76% 2026 data
Asset Turnover 0.06 2026 data

FINOPB Revenue, Net Profit & EBITDA — Year-on-Year Growth

FINOPB YoY (March 2025 vs March 2026) — revenue -86.6%, net profit -44.1%, EBITDA -100.0%, expenses -10.8%. Review FINOPB P/E comparison to evaluate earnings-based valuation against sector peers.

Revenue Growth
-86.6%
Year-over-Year
Net Profit Growth
-44.1%
Year-over-Year
EBITDA Growth
-100.0%
Year-over-Year
Expense Growth
-10.8%
Year-over-Year
Assets Growth
+23.0%
Year-over-Year
Equity Growth
+16.2%
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

FINOPB Income Statement — Revenue, EBITDA & Net Profit

Fino Payments Bank revenue ₹248 Cr, EBITDA ₹0 Cr, net profit ₹52 Cr, EPS ₹6.30 (2026) — net profit margin 21.0%. For live price, earnings ratios and company overview, see FINOPB stock price BSE.

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018
Revenue 248 1,847 1,478 1,230 1,009 791 691 371 230
Expenses 1,406 1,576 1,260 1,076 915 707 690 410 279
EBITDA 0 171 140 107 78 74 -9 -44 -51
Operating Profit Margin % -467.00% -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 114 101 79 47 15 10 10 6 3
Profit Before Tax 67 108 86 65 43 21 -32 -62 -67
Tax 15 16 0 0 0 0 0 0 0
Net Profit 52 93 86 65 43 21 -32 -62 -67
Earnings Per Share (₹) 6.30 11.12 10.36 7.82 5.34 2.62 -7.19 -13.99 -16.41

FINOPB Balance Sheet — Assets, Liabilities & Shareholders' Equity

FINOPB total assets ₹4,206 Cr, total equity ₹747 Cr, total liabilities ₹ Cr (2025) — ROE 7.0%.

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
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

FINOPB Cash Flow Statement — Operating, Investing & Financing

Fino Payments Bank operating cash flow ₹76 Cr, investing ₹-164 Cr, financing ₹127 Cr, net cash flow ₹39 Cr (2025).

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