Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Fino Payments Bank Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 29.40 | 32.97 | 36.53 | 39.15 | 41.40 | 45.33 | 47.75 | 49.35 | 52.78 | 60.99 | 60.11 | 62.96 | 64.10 |
| Interest | 14.30 | 15.45 | 18.87 | 21.59 | 22.99 | 23.89 | 25.05 | 25.65 | 25.99 | 28.37 | 27.62 | 29.41 | 28.88 |
| Expenses + | 287.05 | 314.16 | 320.19 | 325.81 | 353.02 | 388.70 | 404.43 | 407.24 | 437.80 | 400.47 | 351.21 | 344.45 | 305.71 |
| Financing Profit | -271.95 | -296.64 | -302.53 | -308.25 | -334.61 | -367.26 | -381.73 | -383.54 | -411.01 | -367.85 | -318.72 | -310.90 | -270.49 |
| Financing Margin % | -925.00% | -899.73% | -828.17% | -787.36% | -808.24% | -810.19% | -799.43% | -777.18% | -778.72% | -603.13% | -530.23% | -493.81% | -421.98% |
| Other Income + | 294.03 | 315.34 | 322.05 | 331.05 | 359.90 | 391.53 | 407.66 | 411.99 | 440.71 | 392.48 | 339.94 | 328.35 | 274.59 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 22.08 | 18.70 | 19.52 | 22.80 | 25.29 | 24.27 | 25.93 | 28.45 | 29.70 | 24.63 | 21.22 | 17.45 | 4.10 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.32% | 0.00% | 18.43% | 18.77% | 19.19% | 27.89% | 27.66% | 29.80% | -73.17% |
| Net Profit + | 22.08 | 18.70 | 19.52 | 22.80 | 25.21 | 24.27 | 21.15 | 23.11 | 24.00 | 17.76 | 15.35 | 12.25 | 7.10 |
| EPS in Rs | 2.65 | 2.25 | 2.35 | 2.74 | 3.03 | 2.92 | 2.54 | 2.78 | 2.88 | 2.13 | 1.84 | 1.47 | 0.85 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Financials of Fino Payments Bank Ltd
Annual income statement trend
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 16 | 19 | 18 | 20 | 36 | 95 | 150 | 195 | 248 |
| Interest | 3 | 6 | 10 | 10 | 15 | 47 | 79 | 101 | 114 |
| Expenses + | 279 | 410 | 690 | 707 | 915 | 1,076 | 1,260 | 1,576 | 1,402 |
| Financing Profit | -266 | -396 | -682 | -697 | -895 | -1,028 | -1,189 | -1,481 | -1,268 |
| Financing Margin % | -1,716% | -2,068% | -3,760% | -3,441% | -2,512% | -1,084% | -792% | -759% | -511% |
| Other Income + | 215 | 352 | 673 | 771 | 973 | 1,135 | 1,328 | 1,652 | 1,335 |
| Depreciation | 16 | 18 | 24 | 54 | 35 | 42 | 53 | 62 | 0 |
| Profit before tax | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 108 | 67 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 15% | 22% |
| Net Profit + | -67 | -62 | -32 | 20 | 43 | 65 | 86 | 93 | 52 |
| EPS in Rs | -15.11 | -13.99 | -7.19 | 4.59 | 5.14 | 7.82 | 10.36 | 11.12 | 6.30 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Fino Payments Bank Ltd
Capital structure and asset base
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 45 | 45 | 45 | 45 | 83 | 83 | 83 | 83 | 83 |
| Reserves | 180 | 118 | 85 | 106 | 397 | 469 | 560 | 664 | 687 |
| Deposits | 39 | 48 | 118 | 243 | 503 | 917 | 1,413 | 1,939 | 2,379 |
| Borrowing | 48 | 83 | 111 | 181 | 250 | 434 | 713 | 839 | 1,535 |
| Other Liabilities + | 226 | 392 | 266 | 436 | 448 | 563 | 651 | 680 | 627 |
| Total Liabilities | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 5,312 |
| Fixed Assets + | 46 | 42 | 49 | 62 | 92 | 139 | 148 | 167 | 364 |
| CWIP | 1 | 0 | 0 | 2 | 0 | 5 | 47 | 130 | 0 |
| Investments | 64 | 73 | 128 | 504 | 631 | 1,146 | 1,747 | 2,388 | 3,254 |
| Other Assets + | 427 | 569 | 446 | 443 | 956 | 1,175 | 1,477 | 1,520 | 1,693 |
| Total Assets | 538 | 684 | 624 | 1,010 | 1,680 | 2,466 | 3,419 | 4,206 | 5,312 |
Financials of Fino Payments Bank Ltd
Operating, investing and financing cash movement
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -84 | -32 | 207 | -20 | 57 | 76 | -307 | ||
| Cash from Investing Activity + | -31 | -69 | -64 | -97 | -104 | -164 | -143 | ||
| Cash from Financing Activity + | 28 | 70 | 352 | 184 | 279 | 127 | 696 | ||
| Net Cash Flow | -86 | -31 | 495 | 68 | 232 | 39 | 246 | ||
| Free Cash Flow | -114 | -101 | 143 | -114 | -47 | -88 | -449 | ||
| CFO/OP | 13% | 6% | -24% | 2% | -5% | -6% | 25% |
Financials of Fino Payments Bank Ltd
Working capital efficiency and return ratios
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | -30% | -32% | -22% | 15% | 14% | 13% | 14% | 13% | 7% |