Fino Payments Bank Ltd Stock Price Today (NSE: FINOPB)
Fundamental Score
Fino Payments Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Fino Payments Bank Ltd share price today is ₹211.42, up +0.00% on NSE/BSE as of 19 February 2026. Fino Payments Bank Ltd (FINOPB) is a Small-cap company in the Other Bank sector with a market capitalisation of ₹2.61K (Cr). The 52-week high for FINOPB share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 32.52x, FINOPB is currently trading above its industry average P/E of 24.58x. The company has a Return on Equity (ROE) of 13.31% and a debt-to-equity ratio of 3.93.
Fino Payments Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Fino Payments Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Fino Payments Bank Share Price: A Financial Analysis
The digital payments landscape in India is witnessing a fascinating shift. While traditional banking institutions are adapting to digital platforms, Payments Banks like Fino Payments Bank Ltd are carving out niche markets through focused financial inclusion strategies. This analysis offers a financial snapshot of the Fino Payments Bank share price, currently at ₹234.2899932861328, with a Price-to-Earnings (PE) ratio of 32.52.
A PE of 32.52 suggests investor optimism about Fino Payments Bank's future earnings potential relative to its current profitability. However, it's crucial to benchmark this against its sector peers. When assessing management quality, a key factor for long-term success, it's beneficial to contrast Fino Payments Bank Ltd with peers like Utkarsh Small Finance Bank Limited. Utkarsh, for instance, might have a different management approach towards risk and expansion, influencing investor perception and valuation.
The company's Return on Capital Employed (ROCE) of 6.64% provides insight into its efficiency in generating profits from its capital. While this metric offers a perspective on profitability, it also reflects the company's competitive moat. In this context, the 6.64% ROCE impacts the company's moat by demonstrating its ability to deploy capital effectively within its niche, even though improvements can be made. A higher ROCE generally indicates a stronger competitive advantage and a wider moat. The ROCE may indicate scope for operational improvement.
This analysis is part of a comprehensive 80-parameter fundamental audit, meticulously verified by Sweta Mishra. It is observational in nature and based on publicly available data. No buy or sell recommendations are being made. Investors are advised to conduct their own thorough research and seek professional financial advice before making any investment decisions related to Fino Payments Bank.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Fino Payments Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of FINOPB across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Revenue Growth (25.88%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (60.85% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (28.71% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (37.20% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (75.00%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Suboptimal ROCE (6.64%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (-1015.71%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-27.42%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 3.93)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.97x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-207.41 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 6.02%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Fino Payments Bank Ltd Financial Statements
Comprehensive financial data for Fino Payments Bank Ltd including income statement, balance sheet and cash flow
About FINOPB (Fino Payments Bank Ltd)
Fino Payments Bank Ltd (FINOPB) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹2.61K (Cr). Fino Payments Bank Ltd has delivered a Return on Equity (ROE) of 13.31% and a ROCE of 6.64%. The debt-to-equity ratio stands at 3.93, reflecting the company's capital structure. Investors tracking FINOPB share price can monitor key metrics including P/E ratio, promoter holding of 75.00%, and quarterly earnings growth.
Company Details
Key Leadership
FINOPB Share Price: Frequently Asked Questions
What is the current share price of Fino Payments Bank Ltd (FINOPB)?
As of 19 Feb 2026, 10:08 am IST, Fino Payments Bank Ltd share price is ₹211.42. The FINOPB stock has a market capitalisation of ₹2.61K (Cr) on NSE/BSE.
Is FINOPB share price Overvalued or Undervalued?
FINOPB share price is currently trading at a P/E ratio of 32.52x, compared to the industry average of 24.58x. Based on this relative valuation, the Fino Payments Bank Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of FINOPB share price?
The 52-week high of FINOPB share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Fino Payments Bank Ltd share price?
Key factors influencing FINOPB share price include quarterly earnings growth (Sales Growth: 25.88%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Fino Payments Bank Ltd a good stock for long-term investment?
Fino Payments Bank Ltd shows a 5-year Profit Growth of 37.20% and an ROE of 13.31%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.93 before investing in FINOPB shares.
How does Fino Payments Bank Ltd compare with its industry peers?
Fino Payments Bank Ltd competes with major peers in the Other Bank. Investors should compare FINOPB share price P/E of 32.52x and ROE of 13.31% against the industry averages to determine competitive standing.
What is the P/E ratio of FINOPB and what does it mean?
FINOPB share price has a P/E ratio of 32.52x compared to the industry average of 24.58x. Investors pay ₹33 for every ₹1 of annual earnings.
How is FINOPB performing according to Bull Run's analysis?
FINOPB has a Bull Run fundamental score of 46.7/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does FINOPB belong to?
FINOPB operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Fino Payments Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for FINOPB?
FINOPB has an ROE of 13.31%, which shows decent profitability but room for improvement. ROE measures how efficiently Fino Payments Bank Ltd generates profits from shareholders capital.
How is FINOPB debt-to-equity ratio and what does it indicate?
FINOPB has a debt-to-equity ratio of 3.93, which indicates high leverage that increases financial risk.
What is FINOPB dividend yield and is it a good dividend stock?
FINOPB offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Fino Payments Bank Ltd shares.
How has FINOPB share price grown over the past 5 years?
FINOPB has achieved 5-year growth rates of: Sales Growth 60.85%, Profit Growth 37.20%, and EPS Growth 28.71%.
What is the promoter holding in FINOPB and why does it matter?
Promoters hold 75.00% of FINOPB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Fino Payments Bank Ltd.
What is FINOPB market capitalisation category?
FINOPB has a market capitalisation of ₹2609 crores, placing it in the Small-cap category.
How volatile is FINOPB stock?
FINOPB has a beta of N/A. A beta > 1 suggests the Fino Payments Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is FINOPB operating profit margin trend?
FINOPB has a 5-year average Operating Profit Margin (OPM) of -1015.71%, indicating the company's operational efficiency.
How is FINOPB quarterly performance?
Recent quarterly performance shows Fino Payments Bank Ltd YoY Sales Growth of 25.88% and YoY Profit Growth of -27.42%.
What is the institutional holding pattern in FINOPB?
FINOPB has FII holding of 2.67% and DII holding of 3.35%. Significant institutional holding often suggests professional confidence in the Fino Payments Bank Ltd stock.