Fino Payments
NSE: FINOPB · Other Bank
Snapshot
Unlock Fino Payments'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.
Price
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Key Metrics
NET PROFIT
₹52 Cr
TTM · standalone
EPS
₹6.29
TTM · standalone
P/E
25.2x
Q4 FY26 · standalone
Peers · Other Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Fino PaymentsFINOPB | 954 | 25.16 | — | — | — | 6.5% | — | -43.4% |
Jana Small Finance Bank LimitedJSFB | 3,809 | 16.04 | — | — | — | — | — | +0.4% |
Utkarsh Small F.UTKARSHBNK | 2,046 | -1.70 | — | — | — | — | — | -35.7% |
Suryoday SmallSURYODAY | 1,307 | 12.97 | — | — | — | — | — | +32.1% |
ESAF Small FinESAFSFB | 1,172 | -11.16 | — | — | — | — | — | +4.6% |
Capital SmallCAPITALSFB | 1,012 | 9.59 | — | — | — | — | — | +6.8% |
Financials
Fino Payments
NSE: FINOPB · Other Bank
Snapshot
Unlock Fino Payments'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.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Fino Payments and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹52 Cr
TTM · standalone
EPS
₹6.29
TTM · standalone
P/E
25.2x
Q4 FY26 · standalone
Peers · Other Bank
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