Fino Payments Bank Ltd
₹139.83
-0.09%
Delayed · cached 15 min
Price Chart
Price50-day avg200-day avg
How to read this: the line is the closing price over time. The two dashed lines are moving averages — the average price over the last 50 and 200 trading days — which smooth out daily noise to show the broader trend. Price above its moving averages reflects recent strength; below reflects recent weakness. Use the buttons to change the time range. Prices are end-of-day, not live.
✓Strengths
- Net profit margin is strong at 21%.
- Profit has compounded about 21% a year over five years.
- Sales have compounded about 65% a year over five years.
- Promoters hold a majority stake (75%).
!Watch-points
- Higher leverage: debt-to-equity of 5.08 is above 1.
- Thin interest cover: operating profit covers interest only about -10.1 times.
- Return on equity is on the lower side at 7.4%.
- Return on capital employed is on the lower side at 4.5%.
- Recent profit growth (-72%) is slower than the five-year pace (21%).
These points are generated automatically from the company’s reported figures to highlight what stands out. They are descriptive observations for educational purposes only — not advice or a recommendation to buy, sell, or hold.
Forensic Checks
Piotroski F-ScoreWeak
3 / 7
The F-Score adds one point for each of several year-on-year signs of improving profitability, lower leverage and better efficiency. Higher is generally stronger.
Based on 7 of the 9 signals — the rest need data not available for this stock.
These are well-known academic screening models, shown for educational context only. They describe historical financial patterns and are not predictions, advice, or a recommendation to buy, sell, or hold.
Key Ratios
Market Cap₹ 1,164 Cr
Current Price₹ 139.83
High / Low₹ 339.00 / 110.03
Stock P/E55.709164
Book Value₹ 92.60
Dividend Yield0%
ROCE4.53%
ROE7.37%
Face Value₹ 10.00
Debt to Equity5.08
PEG Ratio—
EV / EBITDA—
Industry PE14.90
P/B Ratio1.4505488
EPS₹ 6.30
Debt₹ 3,915 Cr
PAT Margin20.97%
Cash PAT₹ 52 Cr
ICR-10.12
Promoter Holding75.00%
FII Holding0.31%
DII Holding0.00%
Public Holding24.68%
Note on calculated ratios: where a value is not published in the source data, we compute it from the reported financials — Debt to Equity = total borrowings ÷ (equity capital + reserves); EV / EBITDA = (market cap + debt − cash) ÷ (operating profit + depreciation); PEG = P/E ÷ 3-year profit growth %. These may differ slightly from other sources that use different periods or TTM figures. Current Price, Market Cap and P/E reflect the live quote (cached 15 min).
Compounded Sales Growth
Compounded Profit Growth
Stock Price CAGR
Return on Equity