Fino Payments Bank Intrinsic Value
Fino Payments Bank (FINOPB) median intrinsic value is ₹73.86 from 8 valuation models (range ₹39–₹174), vs current price ₹128.50 — -42.5% downside (Trading Above Calculated Value), margin of safety -74.0%. Compare with FINOPB fair value to assess whether the stock is under or overvalued.
FINOPB Valuation Methods Summary — DCF, Graham Number & P/E
Fino Payments Bank intrinsic value across 8 models vs current price ₹128.50 — upside/downside and value range per method. Read Fino Payments Bank dividend payments for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹38.55 | ₹30.84 - ₹46.26 | -70.0% | EPS: ₹2.50, Sector P/E: 12x |
| Book Value Method | asset | ₹77.59 | ₹69.83 - ₹85.35 | -39.6% | Book Value/Share: ₹96.99, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹173.61 | ₹156.25 - ₹190.97 | +35.1% | Revenue/Share: ₹173.61, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹51.40 | ₹46.26 - ₹56.54 | -60.0% | EBITDA: ₹29.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹85.01 | ₹68.01 - ₹102.01 | -33.8% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹38.55 | ₹34.70 - ₹42.41 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹38.55 | ₹34.70 - ₹42.41 | -70.0% | Revenue Growth: 4.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹73.86 | ₹66.47 - ₹81.25 | -42.5% | EPS: ₹2.50, BVPS: ₹96.99 |
FINOPB Intrinsic Value vs Market Price — All Valuation Models
Fino Payments Bank fair value range ₹39–₹174 vs current market price ₹128.50 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 ₹73.86, current price ₹128.50 — Trading Above Calculated Value by 42.5%, margin of safety -74.0%.
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 ₹73.86 (median value). With the current market price of ₹128.50, this represents a -42.5% variance from our estimated fair value.
The valuation range spans from ₹38.55 to ₹173.61, indicating ₹38.55 - ₹173.61.
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 | 0.36 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 2.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -403.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.27x | 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 2026 | ₹-307 Cr | ₹-379 Cr | Negative Cash Flow | 3/10 |
| 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 |