Financials Fino Payments Bank Limited

Equities

FINOPB

INE02NC01014

Banks

Market Closed - NSE India S.E. 07:42:30 2024-04-30 am EDT 5-day change 1st Jan Change
291.8 INR -1.03% Intraday chart for Fino Payments Bank Limited -0.53% +11.84%

Valuation

Fiscal Period: März 2022 2023 2024 2025 2026
Capitalization 1 20,920 16,997 24,286 - -
Enterprise Value (EV) 1 20,920 16,997 23,658 24,286 24,286
P/E ratio 47.1 x 26.1 x 27.4 x 24.8 x 20.4 x
Yield - - - - -
Capitalization / Revenue 2.11 x 1.44 x 1.74 x 1.48 x 1.26 x
EV / Revenue 2.11 x 1.44 x 1.74 x 1.48 x 1.26 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 5.59 x 3.08 x 3.91 x 3.4 x 2.96 x
Nbr of stocks (in thousands) 83,214 83,214 83,214 - -
Reference price 2 251.4 204.2 291.8 291.8 291.8
Announcement Date 5/16/22 5/2/23 4/30/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: März 2021 2022 2023 2024 2025 2026
Net sales 1 - 9,935 11,825 13,986 16,371 19,302
EBITDA - - - - - -
EBIT 1 - 427.4 650.8 875 1,305 1,587
Operating Margin - 4.3% 5.5% 6.26% 7.97% 8.22%
Earnings before Tax (EBT) 1 - 427.4 650.8 872 1,305 1,587
Net income 1 204.7 427.4 650.8 872 977.5 1,189
Net margin - 4.3% 5.5% 6.23% 5.97% 6.16%
EPS 2 2.620 5.340 7.820 10.36 11.75 14.30
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 8/2/21 5/16/22 5/2/23 4/30/24 - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2021 2022 2023 2024 2025 2026
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) - 13.6% 12.6% 15% 14.7% 15.5%
ROA (Net income/ Total Assets) - 3.18% 3.14% 3% 2.55% 2.55%
Assets 1 - 13,440 20,732 29,067 38,333 46,627
Book Value Per Share 2 - 45.00 66.40 74.60 85.80 98.70
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 8/2/21 5/16/22 5/2/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
291.8 INR
Average target price
422.5 INR
Spread / Average Target
+44.77%
Consensus

Annual profits - Rate of surprise

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