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Fino Payments Bank P/B Ratio

Current P/B Ratio
1.33
Moderate Valuation
Moderate - Reasonably valued relative to book value

Fino Payments Bank (FINOPB) P/B ratio is 1.33 (Moderate), book value per share ₹90.00 vs Banks average P/B of 1.37 — Moderate - Reasonably valued relative to book value. View FINOPB 52-week chart for the annual high/low range and current price position.

Current Valuation Metrics

P/B Ratio 1.33
Current Price ₹125.18
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 Fairly Valued
Historical Avg 5.27
Historical Range 2.91 - 11.05
Percentile 0.0%

Sector Context

Sector Average 1.37
Sector Median 1.26
Sector Rank #11 of 40
Sector Percentile 27.5%

FINOPB P/B Ratio — Valuation Insights & Book Value Analysis

Fino Payments Bank price-to-book ratio interpretation, valuation status and historical context — current P/B 1.33 (Moderate). Compare with FINOPB fair value estimate to assess whether the stock is under or overvalued.

  • Current PB is 74.8% below historical average

Fino Payments Bank P/B Ratio Historical Trend

FINOPB annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. For live price, earnings yield and the full fundamental profile, see FINOPB stock price BSE.

FINOPB Historical P/B Ratio — Book Value Per Share & Year-End Price

Fino Payments Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.

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

FINOPB vs Banks Peers — P/B Ratio Comparison

Fino Payments Bank P/B 1.33 vs Banks average 1.37, median 1.26 — range 0.77–3.81.

Sector Average
1.37
Sector Median
1.26
Lowest P/B
0.77
Highest P/B
3.81
Companies
40
Company Symbol P/B Ratio Market Cap (₹ Cr) Valuation
Karnataka Bank KTKBANK 0.77 ₹9,307 Low
Bank of India BANKINDIA 0.8 ₹64,766 Low
Bank of Baroda BANKBARODA 0.83 ₹135,179 Low
Punjab National Bank PNB 0.85 ₹117,285 Low
Capital Small Finance Ba… CAPITALSFB 0.86 ₹1,258 Low
ESAF Small Finance Bank ESAFSFB 0.87 ₹1,506 Low
South Indian Bank SOUTHBANK 0.88 ₹10,164 Low
Suryoday Small Finance B… SURYODAY 0.88 ₹1,779 Low
Central Bank of India CENTRALBK 0.89 ₹30,911 Low
Utkarsh Small Finance Ba… UTKARSHBNK 0.9 ₹2,401 Low