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Fino Payments Bank Ltd

Q4 FY25Banks

Fino Payments Bank Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹146
Market cap₹1.3K Cr
P/E51.1
Updated23 Aug 2026
Read4 min read

The short version

FY '25 revenue grew 25% year-on-year, reaching INR 1,847 crores. Fino Payments Bank expects to maintain strong revenue growth momentum similar to FY '25 (25% revenue growth).

From Fino Payments Bank Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • FY '25 revenue grew 25% year-on-year, reaching INR 1,847 crores.
  • Expectation to maintain strong momentum in FY '26 and FY '27, particularly in CASA and digital segments.
  • Digital revenue surged 4.2x in FY '25, contributing 21% of total revenue; expected to exceed 25% in FY '26.
  • Digital throughput increased 70% to INR 2.25 lakh crores, accounting for 49% of total throughput.
  • CASA liabilities grew 37%, with CASA revenue rising 42% in FY '25.
  • New digital products like Gullak account gaining traction; 7,000-8,000 accounts opened monthly since Nov-Dec '24.
  • Loan referral business expanded from INR 30 crores to INR 200 crores quarterly; target INR 300 crores.

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Profitability & Margins

See what Fino Payments Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • FY '25 technology capex was INR165 crores, significantly higher YoY, driven by migration of core banking system and platform upgrades.
  • For FY '26, expected technology capital expenditure is INR100 crores-plus on a business-as-usual basis.
  • Additional INR90-100 crores capex is anticipated for technology and operations to support transition to Small Finance Bank (SFB).
  • Technology investments focus on next-generation core banking platform, system architecture overhaul, AI integration for risk management and operational efficiency.
  • The technology upgrade and migration started FY '16-'17 with increasing investments since 2022 at INR80-100 crores annually, peaking at INR150 crore-plus in FY '25 due to work-in-progress.

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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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

The provided transcript from Fino Payments Bank Limited’s Q4 FY '25 earnings call does not explicitly mention details about the current or expected order book or pending orders. Instead, the discussion focuses on: - Growth in deposits and CASA (Current Account Savings Account) balances. - Digital transaction growth and technology investments. - Transition plans to a Small Finance Bank (SFB). - Expansion strategies in lending, remittances, and digital payments.

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What Fino Payments's management said in earlier quarters

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Frequently Asked Questions

What were Fino Payments Bank Ltd Q4 FY25 results?

FY '25 revenue grew 25% year-on-year, reaching INR 1,847 crores. Fino Payments Bank expects to maintain strong revenue growth momentum similar to FY '25 (25% revenue growth).

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 51.1 with a market cap of ₹1,250 Cr. Investors should review the full earnings analysis for detailed insights.

Is Fino Payments Bank Ltd planning capital expenditure?

FY '25 technology capex was INR165 crores, significantly higher YoY, driven by migration of core banking system and platform upgrades.

Keep Fino Payments Bank Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.