Fino Payments Bank Limited
NSE: FINOPB · Other Bank
Snapshot
Unlock Fino Payments Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Fino Payments Bank Limited is an Indian financial services provider offering a range of banking products including savings and current accounts, remittance services, and micro-ATM facilities. The company operates as a business correspondent and distributor of third-party financial products, leveraging an extensive network of banking outlets across the country.
Business Model
The company generates revenue through transaction fees, commissions from third-party financial product distribution, and service charges on banking and payment solutions. It operates an asset-light model primarily through a vast network of banking outlets and customer service points.
- Banking Outlets:724,671
- Bank Branches:54
- Customer Service Points:130
Growth Outlook
Growth is driven by the expansion of its digital banking services, increased penetration of micro-ATM and remittance facilities, and the cross-selling of insurance and loan products to its existing customer base.
Key Risks
- Regulatory Risk. As a payments bank, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Intense Competition. The company faces significant competition from traditional banks, other payments banks, and rapidly growing fintech platforms offering similar digital payment solutions.
- Technology and Cybersecurity Risk. Reliance on digital infrastructure exposes the company to potential cyber threats, data breaches, and system failures that could disrupt service delivery.
- Dependency on Third-Party Partners. The business model relies heavily on its network of banking outlets and third-party product providers, making it vulnerable to partner attrition or service quality issues.
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Key Metrics
NET PROFIT
₹-15 Cr
TTM · standalone
EPS
₹-1.84
TTM · standalone
P/E
-63.2×
Q2 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Fino Payments Bank LimitedFINOPB | ₹972 Cr | -63.2× | — | — | — | — | — | -58.9% |
Jana Small Finance Bank LimitedJSFB | ₹3,950 Cr | 8.5× | — | — | — | 10.3% | — | -17.3% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,191 Cr | -3.5× | — | — | — | — | — | +44.2% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,039 Cr | -1.7× | — | — | — | 18.5% | — | -41.0% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,432 Cr | 6.2× | — | — | — | 10.7% | — | -9.0% |
Capital Small Finance Bank LimitedCAPITALSFB | ₹1,235 Cr | — | — | — | — | 11.0% | — | -3.7% |
Financials
Fino Payments Bank Limited
NSE: FINOPB · Other Bank
Snapshot
Unlock Fino Payments Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Fino Payments Bank Limited is an Indian financial services provider offering a range of banking products including savings and current accounts, remittance services, and micro-ATM facilities. The company operates as a business correspondent and distributor of third-party financial products, leveraging an extensive network of banking outlets across the country.
Business Model
The company generates revenue through transaction fees, commissions from third-party financial product distribution, and service charges on banking and payment solutions. It operates an asset-light model primarily through a vast network of banking outlets and customer service points.
- Banking Outlets:724,671
- Bank Branches:54
- Customer Service Points:130
Growth Outlook
Growth is driven by the expansion of its digital banking services, increased penetration of micro-ATM and remittance facilities, and the cross-selling of insurance and loan products to its existing customer base.
Key Risks
- Regulatory Risk. As a payments bank, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Intense Competition. The company faces significant competition from traditional banks, other payments banks, and rapidly growing fintech platforms offering similar digital payment solutions.
- Technology and Cybersecurity Risk. Reliance on digital infrastructure exposes the company to potential cyber threats, data breaches, and system failures that could disrupt service delivery.
- Dependency on Third-Party Partners. The business model relies heavily on its network of banking outlets and third-party product providers, making it vulnerable to partner attrition or service quality issues.
Start your research today
Unlock AI insights, financials, peers and live data on Fino Payments Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹-15 Cr
TTM · standalone
EPS
₹-1.84
TTM · standalone
P/E
-63.2x
Q2 FY27 · standalone
Peers · Other Bank
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