Fino Payments Bank Ltd
Fino Payments Bank Q2 Results 2026 (FY27): Revenue ₹333.6 Cr, Net loss ₹20.9 Cr
Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.
Guidance rank: #27 of 28 in Banks
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Fino Payments Bank Ltd Q2 FY27 key numbers
- Revenue
- Q2’27 Total Throughput: ₹115,798 Cr, +1% YoY.
As stated in Fino Payments Bank Ltd's Q2 FY27 investor presentation · published 29 Oct 2026. Reported figures, not investment advice.
Based on Fino Payments Bank Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.
The short version
Q2’27 Revenue: ₹333.6 Cr, up 16.6% YoY (Page 15) - Q2’27 Net Revenue Margin: 38.1%, +96 bps YoY (Pages 9, 31) - Q2’27 EBITDA: ₹35.1 Cr, +43.0% YoY (Page 15) - Q2’27 Total Throughput: ₹115,798 Cr Quarterly EBITDA (Q2'27): ₹35.1 Cr, up 43.0% YoY (Page 15) - EBITDA Margin (Q2'27): 10.5% (Page 15) - Operating Cost: ₹92.1 Cr, up 5.8% QoQ (Page 15) - Profit After Tax (PAT) (Q2'27)
From Fino Payments Bank Ltd's Q2 FY27 earnings-call transcript · updated 29 Oct 2026.
Revenue & Sales Performance
- Q2’27 Revenue: ₹333.6 Cr, up 16.6% YoY (Page 15)
- Q2’27 Net Revenue Margin: 38.1%, +96 bps YoY (Pages 9, 31)
- Q2’27 EBITDA: ₹35.1 Cr, +43.0% YoY (Page 15)
- Q2’27 Total Throughput: ₹115,798 Cr, +1% YoY (Page 7)
- Digital Throughput: ₹64,000 Cr, +2% YoY (Page 7)
- UPI Throughput: ₹60,767 Cr in Q2’27, up from ₹53,041 Cr in Q2’26 (~14.5% growth) (Page 23)
- Digitally Active Customers: 64.9 lakh, +13% YoY (Page 7)
2 more points from Fino Payments Bank Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Key technology and capacity expansion related points stated:
- End-to-end credit technology stack development and CBS (Core Banking System) integration in progress.
- Technology development initiated and ongoing, aiming for full readiness by Q4’27.
- Complete onboarding of senior and middle management teams to support expansion.
- Identified and onboarded leadership positions in Branch Banking, Liabilities, MSME, and Credit Policy.
- Timeline:
- Final readiness submission to RBI scheduled for Q4’27.
2 more points from Fino Payments Bank Ltd's call on capex
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Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Fino Payments Bank Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
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Continue your research
What Fino Payments Bank Ltd's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q4 FY25 earnings call analysis →
- Q1 FY26 earnings call →
- Q3 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
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- Capital Small Finance Bank Ltd (Q2 FY27)
Net Interest Income: INR 139 Crores (24% YoY increase from INR 112 Crores in Q2FY26) . Key investor presentation takeaways from Capital Small Finance Bank Ltd's
- Equitas Small Finance Bank Ltd (Q2 FY27)
Net Income for Q2FY27: ₹1,313 Cr, up 32% YoY (Page 34) . Key investor presentation takeaways from Equitas Small Finance Bank Ltd's Q2 FY27 investor presentation
- ESAF Small Finance Bank Ltd (Q2 FY27)
For Q2 FY27, Interest Income was ₹1,174.71 Cr, up 43.3% YoY from ₹819.82 Cr in Q2 FY26. Key investor presentation takeaways from ESAF Small Finance Bank Ltd's Q
Potential multibaggers · Q2 FY27
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were Fino Payments Bank Ltd Q2 FY27 results?
Q2’27 Revenue: ₹333.6 Cr, up 16.6% YoY (Page 15) - Q2’27 Net Revenue Margin: 38.1%, +96 bps YoY (Pages 9, 31) - Q2’27 EBITDA: ₹35.1 Cr, +43.0% YoY (Page 15) - Q2’27 Total Throughput: ₹115,798 Cr Quarterly EBITDA (Q2'27): ₹35.1 Cr, up 43.0% YoY (Page 15) - EBITDA Margin (Q2'27): 10.5% (Page 15) - Operating Cost: ₹92.1 Cr, up 5.8% QoQ (Page 15) - Profit After Tax (PAT) (Q2'27)
What is Fino Payments Bank Ltd share price analysis?
Fino Payments Bank Ltd currently shows a neutral. The stock trades at a P/E of 42.1 with a market cap of ₹1,030 Cr. Investors should review the full earnings analysis for detailed insights.
Is Fino Payments Bank Ltd planning capital expenditure?
- Key technology and capacity expansion related points stated: - End-to-end credit technology stack development and CBS (Core Banking System) integration in progress. - Technology development initiated and ongoing, aiming for full readiness by Q4’27. - Complete onboarding of senior and middle management teams to support expansion. - Identified and onboarded leadership positions in Branch Banking, Liabilities, MSME, and Credit Policy. - Timeline: - Final readiness submission to RBI scheduled for Q4’27. - Go-live planned for Q1’28.
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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.