Fino Payments Bank Intrinsic Value
Fino Payments Bank (FINOPB) median intrinsic value is ₹72.00 from 8 valuation models (range ₹38–₹113), vs current price ₹125.18 — -42.5% downside (Trading Above Calculated Value), margin of safety -73.9%. Also explore Fino Payments Bank stock price data download to track price trends across different timeframes.
FINOPB Valuation Methods Summary — DCF, Graham Number & P/E
Fino Payments Bank intrinsic value across 8 models vs current price ₹125.18 — upside/downside and value range per method. Browse FINOPB financial statements for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹75.60 | ₹60.48 - ₹90.72 | -39.6% | EPS: ₹6.30, Sector P/E: 12x |
| Book Value Method | asset | ₹72.00 | ₹64.80 - ₹79.20 | -42.5% | Book Value/Share: ₹90.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹37.55 | ₹33.80 - ₹41.30 | -70.0% | Revenue/Share: ₹29.88, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹85.01 | ₹68.01 - ₹102.01 | -32.1% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹37.55 | ₹33.80 - ₹41.30 | -70.0% | EPS Growth: 4.2%, Fair P/E: 3.4x |
| Growth Adjusted P/E | growth | ₹50.40 | ₹45.36 - ₹55.44 | -59.7% | Revenue Growth: -29.6%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹62.65 | ₹56.38 - ₹68.92 | -50.0% | ROE: 7.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹112.95 | ₹101.66 - ₹124.25 | -9.8% | EPS: ₹6.30, BVPS: ₹90.00 |
FINOPB Intrinsic Value vs Market Price — All Valuation Models
Fino Payments Bank fair value range ₹38–₹113 vs current market price ₹125.18 across 8 valuation models. For current market price and key ratios, visit Fino Payments Bank share price chart.
FINOPB Intrinsic Value Analysis — Undervalued or Overvalued?
Fino Payments Bank median intrinsic value ₹72.00, current price ₹125.18 — Trading Above Calculated Value by 42.5%, margin of safety -73.9%.
What is the intrinsic value of FINOPB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Fino Payments Bank (FINOPB) is ₹72.00 (median value). With the current market price of ₹125.18, this represents a -42.5% variance from our estimated fair value.
The valuation range spans from ₹37.55 to ₹112.95, indicating ₹37.55 - ₹112.95.
Is FINOPB undervalued or overvalued?
Based on our multi-method analysis, Fino Payments Bank (FINOPB) appears to be trading above calculated value by approximately 42.5%.
FINOPB Financial Health — Key Ratios vs Industry Benchmarks
Fino Payments Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 7.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -467.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.06x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
FINOPB Cash Flow Quality — Operating & Free Cash Flow
Fino Payments Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |