Fino Payments Bank Intrinsic Value
FINOPB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹115.20 | ₹92.16 - ₹138.24 | -52.9% | EPS: ₹9.60, Sector P/E: 12x |
| Book Value Method | asset | ₹72.00 | ₹64.80 - ₹79.20 | -70.5% | Book Value/Share: ₹90.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹217.83 | ₹196.05 - ₹239.61 | -10.9% | Revenue/Share: ₹217.83, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹97.74 | ₹87.97 - ₹107.51 | -60.0% | EBITDA: ₹104.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹97.74 | ₹78.19 - ₹117.29 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹121.29 | ₹109.16 - ₹133.42 | -50.4% | EPS Growth: 15.8%, Fair P/E: 12.6x |
| Growth Adjusted P/E | growth | ₹82.56 | ₹74.30 - ₹90.82 | -66.2% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹122.17 | ₹109.95 - ₹134.39 | -50.0% | ROE: 10.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹139.43 | ₹125.49 - ₹153.37 | -42.9% | EPS: ₹9.60, BVPS: ₹90.00 |
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Valuation Comparison Chart
FINOPB Intrinsic Value Analysis
What is the intrinsic value of FINOPB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Fino Payments Bank (FINOPB) is ₹115.20 (median value). With the current market price of ₹244.35, this represents a -52.9% variance from our estimated fair value.
The valuation range spans from ₹72.00 to ₹217.83, indicating ₹72.00 - ₹217.83.
Is FINOPB undervalued or overvalued?
Based on our multi-method analysis, Fino Payments Bank (FINOPB) appears to be trading above calculated value by approximately 52.9%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.37 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 5.63 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 10.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -624.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.43x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Fino Payments Bank
Additional stock information and data for FINOPB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹76 Cr | ₹-6 Cr | Positive Operating Cash Flow | 6/10 |
| March 2024 | ₹57 Cr | ₹5 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹-20 Cr | ₹-69 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹207 Cr | ₹175 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-32 Cr | ₹-67 Cr | Negative Cash Flow | 3/10 |