ScoreWhy is Fino Payments Bank Ltd ?
1
Strong Long Term Fundamental Strength with a 41.53% CAGR growth in Operating Profits
2
Healthy long term growth as Net Sales has grown by an annual rate of 74.49% and Operating profit at 41.53%
3
Flat results in Sep 25
- PAT(Q) At Rs 15.35 cr has Fallen at -28.6% (vs previous 4Q average)
- NON-OPERATING INCOME(Q) is 1,601.98 % of Profit Before Tax (PBT)
- EPS(Q) Lowest at Rs 1.84
4
With ROE of 10.7, it has a Fair valuation with a 3.4 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -15.90%, its profits have fallen by -14.1%
5
Majority shareholders : Promoters
6
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 2.39% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -15.90% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Financial Technology (Fintech))
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Fino Payments for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Fino Payments
-45.53%
-0.32
49.57%
Sensex
-4.95%
0.44
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
23
Industry P/E
21
Price to Book Value
1.69
EV to EBIT
-0.91
EV to EBITDA
-0.91
EV to Capital Employed
1.87
EV to Sales
4.63
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-205.85%
ROE (Latest)
7.26%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
PBDIT(Q)
Highest at Rs -270.49 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at -421.98%
PBT LESS OI(Q)
Highest at Rs -271.78 cr.
NET SALES(Q)
Highest at Rs 64.10 cr
-13What is not working for the Company
PAT(Q)
Lowest at Rs 7.10 cr.
NON-OPERATING INCOME(Q)
is 6,728.78 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.85
Loading Valuation Snapshot...
Here's what is working for Fino Payments
Operating Profit (PBDIT) - Quarterly
Highest at Rs -270.49 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at -421.98% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -271.78 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net Sales - Quarterly
Highest at Rs 64.10 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Here's what is not working for Fino Payments
Profit After Tax (PAT) - Quarterly
At Rs 7.10 cr has Fallen at -59.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 17.34 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
Lowest at Rs 7.10 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 6,728.78 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.85
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
