Fino Payments Bank Limited
NSE:FINOPB.NS
285.05 (INR) • At close July 1, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) INR.
| 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 4,675 | 4,356.9 | 4,554.1 | 4,368.6 | 4,013 | 3,486.1 | 3,397.1 | 3,483.1 | 3,091.3 | 3,005.2 | 2,915.3 | 2,813.6 | -3,346.318 | 2,709.6 | 2,387.2 | 750.98 | -2,340.46 | 2,268.4 | 1,740.3 | 618.9 |
| Cost of Revenue
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 154.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| 4,675 | 4,356.9 | 4,554.1 | 4,368.6 | 4,013 | 3,486.1 | 3,397.1 | 3,328.6 | 3,091.3 | 3,005.2 | 2,915.3 | 2,813.6 | -3,346.318 | 2,709.6 | 2,387.2 | 750.98 | -2,340.46 | 2,268.4 | 1,740.3 | 618.9 |
| Gross Profit Ratio
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0.956 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 270.755 | 0 | 0 | 0 | 248.779 | 0 | 0 | 81.1 | 171.251 | 0 | 0 | 67.26 |
| Selling & Marketing Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 116.242 | 0 | 0 | 0 | 161.515 | 0 | 0 | 44.77 | 86.363 | 0 | 0 | 19.53 |
| SG&A
| 549.3 | 0 | 259.3 | 497.7 | 462.9 | 442.9 | 440.5 | 427.4 | 1,519.393 | 380.4 | 382.5 | 394.2 | 1,376.433 | 340.7 | 329.4 | 125.87 | 1,263.269 | 292.8 | 282.6 | 86.79 |
| Other Expenses
| 0 | 4,072.4 | 4,044.3 | -3,389.3 | -3,067.3 | -2,815.2 | -2,755.8 | -2,714.2 | -2,471.5 | -2,433.8 | -2,394.8 | 2,712.6 | 2,630.6 | 2,568.6 | -1,978.9 | 593.84 | -2,419.28 | 2,191.9 | 0 | 512.36 |
| Operating Expenses
| 549.3 | 4,072.4 | 4,303.6 | 3,389.3 | 3,067.3 | 3,258.1 | 3,196.3 | 2,714.2 | 2,870.5 | 2,814.2 | 2,777.3 | 2,712.6 | -3,525.867 | 2,568.6 | 2,308.3 | 719.71 | -2,419.28 | 2,191.9 | 1,695.1 | 599.15 |
| Operating Income
| 4,125.7 | 284.5 | 509.8 | 242.7 | 252.8 | 228 | 195.2 | 187 | 220.87 | 191 | 138 | 177.9 | 176.208 | 141 | -5.84 | 61.86 | 103.16 | 83.3 | 45.2 | 47.69 |
| Operating Income Ratio
| 0.883 | 0.065 | 0.112 | 0.056 | 0.063 | 0.065 | 0.057 | 0.054 | 0.071 | 0.064 | 0.047 | 0.063 | -0.053 | 0.052 | -0.002 | 0.082 | -0.044 | 0.037 | 0.026 | 0.077 |
| Total Other Income Expenses Net
| -3,828.7 | 0 | -250.5 | -238.9 | -251.84 | -2,599.3 | -2,567.1 | -2,559.7 | 0.07 | 0 | 0 | -2,241.5 | 222.351 | 0 | -1,978.9 | -1,666.7 | 100.07 | -11.3 | 0 | -29.18 |
| Income Before Tax
| 297 | 284.5 | 259.3 | 242.7 | 252.9 | 228 | 195.2 | 187 | 220.8 | 191 | 138 | 101 | 176.245 | 141 | 78.9 | 31.27 | 75.73 | 65.2 | 45.2 | 18.51 |
| Income Before Tax Ratio
| 0.064 | 0.065 | 0.057 | 0.056 | 0.063 | 0.065 | 0.057 | 0.054 | 0.071 | 0.064 | 0.047 | 0.036 | -0.053 | 0.052 | 0.033 | 0.042 | -0.032 | 0.029 | 0.026 | 0.03 |
| Income Tax Expense
| 57 | 53.4 | 47.8 | 0 | 0.8 | 456 | 390.4 | 374 | 441.74 | 382 | 276 | 101 | 0.037 | 282 | -5.84 | -0.01 | -0.01 | 65.2 | 90.4 | 0 |
| Net Income
| 240 | 231.1 | 211.5 | 242.7 | 252 | 228 | 195.2 | 187 | 220.87 | 191 | 138 | 101 | 176.208 | 141 | 78.9 | 31.28 | 75.74 | 65.2 | 45.2 | 18.51 |
| Net Income Ratio
| 0.051 | 0.053 | 0.046 | 0.056 | 0.063 | 0.065 | 0.057 | 0.054 | 0.071 | 0.064 | 0.047 | 0.036 | -0.053 | 0.052 | 0.033 | 0.042 | -0.032 | 0.029 | 0.026 | 0.03 |
| EPS
| 2.89 | 2.78 | 2.54 | 2.92 | 3.03 | 2.74 | 2.35 | 2.25 | 2.65 | 2.3 | 1.66 | 1.21 | 2.2 | 1.74 | 1.01 | 0.4 | 0.97 | 0.84 | 0.58 | 0.24 |
| EPS Diluted
| 2.88 | 2.76 | 2.53 | 2.91 | 3.02 | 2.74 | 2.35 | 2.25 | 2.65 | 2.3 | 1.66 | 1.21 | 2.12 | 1.74 | 1.01 | 0.4 | 0.97 | 0.84 | 0.58 | 0.24 |
| EBITDA
| 0 | 0 | 259.3 | -2,911.5 | 481.846 | 228 | 195.2 | 187 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.067 | -1,869.7 | 45.2 | 0 |
| EBITDA Ratio
| 0 | 0 | 0.057 | -0.666 | 0.12 | 0.065 | 0.057 | 0.054 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001 | -0.824 | 0.026 | 0 |