Fino Payments BankShare Price Today (FINOPB)
Today’s Fino Stock Read
Fino Payments Bank (FINOPB) share price is trading at ₹146.6, down 2.19% today. The stock opened at ₹150.1, touched an intraday high of ₹146.6 and low of ₹146.6. It is currently near key moving averages, with a P/E of 23.88, ROE of 6.76 %, and a market cap of ₹1,229.05 Cr. Track live NSE/BSE price, chart, valuation, financials, technical indicators, delivery volume, peers and latest filings on StockeZee before taking a trading or investment view.
Today’s Fino Stock Read
Fino Payments Bank (FINOPB) share price is trading at ₹146.6, down 2.19% today. The stock opened at ₹150.1, touched an intraday high of ₹146.6 and low of ₹146.6. It is currently near key moving averages, with a P/E of 23.88, ROE of 6.76 %, and a market cap of ₹1,229.05 Cr. Track live NSE/BSE price, chart, valuation, financials, technical indicators, delivery volume, peers and latest filings on StockeZee before taking a trading or investment view.
Fino Payments Bank Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Fino Payments Bank Limited, framed against the sector median so the premium or discount is obvious at a glance.
Fino Payments Bank Limited trades at a P/E of 23.88× and P/B of 1.55×.
Valuation
Profitability
Growth
Financial Health
Fino Payments Bank Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Fino Payments Bank Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Fino Payments Bank Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Fino Payments Bank Limited, switchable between annual and quarterly views, consolidated or standalone.
Fino Payments Bank Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,229.05 Cr and reported EPS of ₹6.29.
Fino Payments Bank segment analysis: revenue and profit mix.
Disclosed business segments at Fino Payments Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Fino Payments Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Fino Payments Bank Limited.
Our AI distills the core fundamental drivers supporting Fino Payments Bank Limited, the risks that threaten it, and the exact valuation or growth triggers that should make you re-evaluate.
Fino Payments Bank Limited's investment case rests on 5 positive markers and 7 flagged concerns drawn from the latest reported filings.
What you're getting.
Fino Payments Bank exhibits a strong promoter holding of 75%, signifying high insider confidence and mitigating takeover risks. This substantial ownership suggests a long-term commitment to the company's growth and stability.
Despite recent profit fluctuations, the company demonstrates a positive Return on Equity (ROE) of 13.30%. This indicates efficient utilization of shareholder investments to generate profits, a crucial indicator of financial health.
The company showcases robust quarterly sales growth of 25.90%, highlighting significant operational expansion and market penetration. This growth trajectory suggests strong demand for its services and products.
The expanding digital payments ecosystem in India presents a significant growth opportunity, as increasing financial inclusion and smartphone penetration drive demand for accessible banking services, benefiting payments banks.
There is a substantial opportunity in expanding services to underserved rural and semi-urban populations, leveraging the company's payments bank model to capture new customer segments and drive market penetration.
What can break it.
Fino Payments Bank's high debt-to-equity ratio of 3.93 reveals significant reliance on debt financing, increasing financial risk, especially during economic downturns or rising interest rates.
Operational performance shows significant volatility, with a negative operating profit margin of -615.00% and a substantial quarterly profit decline of -27.40%. This inconsistency raises concerns about the business model's sustainability and future profitability.
The stock price exhibits considerable volatility, with a 52-week range of ₹180.00 to ₹396.00. This volatility exposes investors to potential capital losses if market sentiment shifts negatively, impacting investor confidence.
A concerning trend is the consistent decline in FII and DII holdings, with FIIs dropping from 9.80% to 2.67% and DIIs from 8.80% to 3.35% since June 2022. This indicates diminishing institutional investor confidence.
Intense competition from traditional banks, other small finance banks, and fintech players poses a significant threat, potentially leading to pricing pressures and market share erosion in the financial services sector.
What would change my mind.
Trim if P/E re-rates above 31. The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Fino Payments Bank Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Fino Payments Bank Limited is highlighted for quick read-across.
Quick Compare
Fino Payments Bank Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Fino Payments Bank Limited — derived from the live tape, not yesterday's close.
Fino Payments Bank Limited last traded at ₹146.6 with an intraday range of ₹144.9–₹152.89 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹146.60| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 167.34 | +20.74 | +14.15% |
| R3 | 159.35 | +12.75 | +8.70% |
| R2 | 156.12 | +9.52 | +6.49% |
| R1 | 151.36 | +4.76 | +3.25% |
| PIVOT | 148.13 | 1.53 | 1.04% |
| CURRENT | 146.60 | — | — |
| S1 | 127.39 | -19.21 | -13.10% |
| S2 | 135.38 | -11.22 | -7.65% |
| S3 | 140.14 | -6.46 | -4.41% |
| S4 | 143.37 | -3.23 | -2.20% |
FINOPB is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 149.5 ~ 152.89
Trading Below opening range, showing Bearishness
Fino Payments Bank Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Fino Payments Bank Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Fino Payments Bank Limited stood at 43.4% of traded volume, against a 20-day average of 38.2%.
Fino Payments Bank announcements: results, concalls, ratings, M&A.
Filings Fino Payments Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Fino Payments Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 135 documents below.
Analysts/Institutional Investor Meet/Con. Call Updates
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Analysts/Institutional Investor Meet/Con. Call Updates
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Disclosure under SEBI Takeover Regulations
Fino PayTech Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India…
Change in Management
Fino Payments Bank Limited has informed the Exchange about change in Management
Analysts/Institutional Investor Meet/Con. Call Updates
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Investor decks & rating reports.
Fino Payments Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Fino Payments Bank has declared, sequenced by announce and record date.
Fino Payments Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Fino Payments Bank Limited: business, sector, key facts.
What Fino Payments Bank Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Fino Payments Bank Limited operates in the Other Bank industry under the Financial Services sector, listed as NSE: FINOPB, BSE: 543386.
Fino Payments Bank Limited (FPBL) is an Indian financial services company operating primarily through four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations. Its core business revolves around providing a wide range of financial products and services to individuals and businesses across India. The company acts as a significant player in the country's expanding digital payment and financial inclusion landscape.
The Retail Banking segment forms a crucial part of FPBL's operations. This segment focuses on providing accessible banking services to a broad customer base, including savings and current accounts, fixed deposits, and loan referral services. Customers also benefit from debit and prepaid cards, facilitating convenient transactions and financial management. Furthermore, FPBL offers a suite of digital banking services such as mobile banking and the unified payments interface (UPI) for seamless digital transactions.
Beyond retail banking, FPBL's Corporate Banking segment caters to the financial needs of businesses. This involves offering services like cash management solutions, designed to streamline financial processes for companies of varying sizes. The company also facilitates domestic money transfers, further supporting the needs of businesses operating within the country. The Treasury segment manages FPBL’s financial assets and liabilities, ensuring the bank's financial stability and strategic allocation of resources.
FPBL's "Other Banking Operations" segment encompasses a diverse portfolio of services that extend beyond traditional banking. These services include recharge and bill payment facilities, highlighting the bank’s role in facilitating everyday transactions. The company also offers various other services such as payment system solutions, digital payment services for merchants, FASTag products, and remittance services. Additionally, FPBL is involved in offering insurance products (health, life, motor, and shopkeeper insurance), showcasing its diversification into related financial services. The provision of micro-ATM services and business correspondent banking further enhances its reach and accessibility within the Indian market.
In summary, Fino Payments Bank Limited distinguishes itself by offering a comprehensive range of financial services, blending traditional banking with innovative digital solutions. Its focus on financial inclusion, particularly through micro-ATM services and business correspondent banking, positions it as a key player in expanding financial access across India. The diverse portfolio of services offered across multiple segments contributes to the company's robust and multifaceted business model.
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Questions investors ask about Fino Payments Bank Limited (FINOPB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Fino Payments Bank Limited (FINOPB)?
The current share price of Fino Payments Bank Limited (FINOPB) is ₹146.6. Today, the stock has declined by ₹3.29 (2.19%), trading in a range of ₹144.9 to ₹152.89. The stock opened at ₹150.1 with a trading volume of 2,85,473 shares.
02Is Fino Payments Bank Limited stock a good investment for long-term?
Fino Payments Bank Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,229.05 crores, P/E ratio of 23.88, ROE of 6.76%, and ROCE of 6.64%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Fino Payments Bank Limited stock?
The 52-week high price of Fino Payments Bank Limited (FINOPB) is ₹338.3, while the 52-week low is ₹110.03. Currently trading at ₹146.6, the stock is 16.0% away from its 52-week low and 56.7% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Fino Payments Bank Limited stock at the current price?
Whether to buy Fino Payments Bank Limited stock at ₹146.6 depends on multiple factors. The stock is currently trading with a P/E ratio of 23.88 and P/B ratio of 1.55. Today's performance shows a loss of 2.19%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Fino Payments Bank Limited and when is the next dividend?
Fino Payments Bank Limited offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹146.6, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Fino Payments Bank Limited?
Fino Payments Bank Limited's key financial metrics include: P/E Ratio: 23.88, P/B Ratio: 1.55, ROE: 6.76%, ROCE: 6.64%, Dividend Yield: 0.00%, EPS: ₹6.29, Book Value: ₹96.4, and Debt-to-Equity: 0.00. The company's market cap stands at ₹1,229.05 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Fino Payments Bank Limited stock performing today in the market?
Fino Payments Bank Limited stock opened at ₹150.1 and is currently trading at ₹146.6, showing a decline of ₹3.29 (2.19%). The intraday high is ₹152.89 and low is ₹144.9. The trading volume stands at 2,85,473 shares, indicating moderate market participation today.
08What is the P/E ratio of Fino Payments Bank Limited and what does it indicate?
Fino Payments Bank Limited has a Price-to-Earnings (P/E) ratio of 23.88, which means investors are willing to pay ₹23.88 for every ₹1 of earnings. With an EPS of ₹6.29, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Fino Payments Bank Limited (FINOPB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.