Fino Payments Bank P/B Ratio
FINOPB • Price-to-Book ratio analysis and book value breakdown
Current P/B Ratio
2.77
Moderate Valuation
High - Premium to book value, growth expectations or asset-light model
Current Valuation Metrics
P/B Ratio
2.77
Current Price
₹244.35
Book Value/Share
₹90.00
Exchange
NSE
Book Value Breakdown (2025)
Balance Sheet Components
Total Equity
₹747 Cr
Share Capital
₹83 Cr
Reserves & Surplus
₹664 Cr
Outstanding Shares
83,000,000
Book Value per Share
₹90.00
Valuation Signal
Signal
Overvalued
Historical Avg
5.27
Historical Range
2.91 - 11.05
Percentile
0.0%
Sector Context
Sector Average
1.5
Sector Median
1.3
Sector Rank
#11 of 40
Sector Percentile
27.5%
Key P/B Ratio Insights for Fino Payments Bank
- Current PB is 47.5% below historical average
- Trading at premium to sector average PB of 1.5
View the current stock price of Fino Payments Bank for more insights.
P/B Ratio Historical Trend for Fino Payments Bank
Historical P/B ratio trend based on balance sheet data. P/B below 1.0 may indicate undervaluation, while higher ratios suggest growth expectations or asset-light business models.
Related Pages for Fino Payments Bank
Additional stock information and data for FINOPB
Historical P/B Ratio Data
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2025 | 2.91 | ₹90.0 | ₹261.80 | ₹747 | Moderate |
| 2024 | 4.1 | ₹77.47 | ₹317.40 | ₹643 | High |
| 2023 | 3.92 | ₹66.63 | ₹260.95 | ₹553 | High |
| 2022 | 4.38 | ₹57.83 | ₹253.05 | ₹480 | High |
| 2021 | 11.05 | ₹33.56 | ₹370.90 | ₹151 | High |
Sector P/B Ratio Comparison
Comparing Fino Payments Bank with other companies in Banks sector
Sector Average
1.5
Sector Median
1.3
Lowest P/B
0.63
Highest P/B
4.18
Companies
40
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Karnataka Bank | KTKBANK | 0.63 | ₹7,619 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.77 | ₹1,528 | Low |
| ESAF Small Finance Bank | ESAFSFB | 0.78 | ₹1,362 | Low |
| Dhanlaxmi Bank | DHANBANK | 0.83 | ₹1,040 | Low |
| Utkarsh Small Finance Ba… | UTKARSHBNK | 0.83 | ₹2,710 | Low |
| Jammu & Kashmir Bank | J&KBANK | 0.84 | ₹11,472 | Low |
| Bank of India | BANKINDIA | 0.87 | ₹66,920 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.87 | ₹1,224 | Low |
| South Indian Bank | SOUTHBANK | 0.92 | ₹9,855 | Low |
| Tamilnad Mercantile Bank | TMB | 0.93 | ₹8,872 | Low |