Fino Payments Bank quarterly results and financials

Fino Payments Bank (FINOPB)₹126.71+1.51%(9 Nov 2026 close)Other Bank

Key facts

In the Mar 2026 quarter (standalone), Fino Payments Bank reported revenue of ₹64.22 Cr, up 21.4% from Mar 2025, and net profit of ₹7.09 Cr, down 70.4% year on year. For the year to Mar 2026, revenue were ₹248 Cr and net profit ₹51.94 Cr.

Revenue (Mar 2026): ₹64.22 Cr
Net profit (Mar 2026): ₹7.09 Cr
Revenue (FY Mar 2026): ₹248 Cr
Net profit (FY Mar 2026): ₹51.94 Cr
EPS (Mar 2026): ₹0.86
Borrowings (Mar 2026): ₹1,533 Cr

Company filings, standalone accounts; latest reported quarter Mar 2026

Fino Payments Bank quarterly results

₹ crore unless stated; each column is a quarter.

Fino Payments Bank Quarterly results
	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	33.05	36.60	39.21	41.44	45.39	47.84	49.44	52.90	61.05	60.19	63.07	64.22
Interest	15.44	18.86	21.58	23.00	23.87	25.04	25.66	25.97	28.35	27.61	29.40	28.87
Net interest income	17.61	17.74	17.63	18.44	21.52	22.80	23.78	26.93	32.70	32.58	33.67	35.35
Expenses	314	320	325	352	388	403	406	437	400	351	343	305
Financing Profit	−297	−303	−308	−335	−368	−382	−384	−412	−368	−319	−311	−271
Financing Margin %	−899.8%	−828.2%	−787.4%	−808.3%	−810.3%	−799.5%	−777.2%	−778.8%	−603.2%	−530.3%	−493.8%	−422.0%
Other Income	314	321	330	358	390	406	411	439	391	338	327	274
Profit before tax	18.75	19.57	22.85	25.34	24.30	25.99	28.53	29.78	24.67	21.25	17.50	4.11
Tax %	0.0%	0.0%	0.0%	0.3%	0.0%	18.5%	18.8%	19.2%	27.9%	27.7%	29.8%	−73.1%
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	−1.99	−0.99
Net Profit	18.68	19.49	22.78	25.18	24.24	21.12	23.06	23.95	17.73	15.33	12.23	7.09
EPS (Rs)	2.26	2.36	2.75	3.04	2.93	2.55	2.79	2.89	2.14	1.85	1.48	0.86

Fino Payments Bank profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Fino Payments Bank Profit and loss
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	16.04	19.03	18.02	20.04	36.08	95.12	150	195	248	249
Interest	2.99	5.99	9.99	9.99	15.01	47.01	79.02	101	114	114
Net interest income	13.05	13.04	8.03	10.05	21.07	48.11	71.13	94.51	134	134
Expenses	278	409	689	705	913	1,074	1,257	1,571	1,399	1,399
Financing Profit	−266	−397	−683	−697	−896	−1,029	−1,190	−1,483	−1,270	−1,270
Financing Margin %	−1,716.0%	−2,068.1%	−3,760.1%	−3,441.0%	−2,512.0%	−1,084.1%	−792.0%	−759.1%	−511.0%	−510.9%
Other Income	214	351	670	768	970	1,130	1,322	1,645	1,330	1,330
Depreciation	15.93	17.92	23.91	53.77	34.84	41.86	52.82	61.72	0.00	0.00
Profit before tax	−67.14	−62.18	−32.08	20.04	43.09	65.09	86.17	108	67.19	67.53
Tax %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	15.0%	22.1%	—
Exceptional items	0.00	0.00	0.00	−0.99	0.00	0.00	0.00	0.00	−2.99	−2.98
Net Profit	−66.92	−61.88	−31.95	19.98	42.90	64.94	85.90	92.81	51.94	52.38
EPS (Rs)	−15.17	−14.04	−7.21	4.61	5.16	7.85	10.39	11.16	6.32	6.33
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Fino Payments Bank balance sheet

₹ crore, at each year end.

Fino Payments Bank Balance sheet
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	44.91	44.91	44.98	44.80	82.83	82.89	82.93	82.85	82.89
Reserves	180	118	85.14	106	397	469	561	664	688
Deposits	38.94	47.92	118	242	502	916	1,412	1,936	2,378
Borrowings	47.93	82.75	111	180	249	433	712	837	1,533
Other Liabilities	227	394	267	438	450	566	654	683	630
Total Liabilities	539	685	625	1,010	1,681	2,467	3,421	4,204	5,312
Fixed Assets	46.15	42.18	49.14	62.20	92.34	140	148	168	366
CWIP	0.99	0.00	0.00	1.99	0.00	4.99	46.98	130	0.00
Investments	63.83	72.83	128	503	630	1,144	1,744	2,383	3,250
Other Assets	428	570	447	444	958	1,177	1,482	1,523	1,696
Cash & equivalents	37.88	141	120	81.81	213	214	315	181	154
Total Assets	539	685	625	1,010	1,681	2,467	3,421	4,204	5,312

Fino Payments Bank cash flow

₹ crore, for each year.

Fino Payments Bank Cash flow
	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−83.72	−31.89	206	−19.93	56.80	75.73	−306
Cash from investing activity	−31.01	−69.01	−64.03	−96.98	−104	−164	−143
Cash from financing activity	28.03	70.05	352	184	279	127	697
Net cash flow	−85.84	−30.94	494	67.87	231	38.89	245
Capex	31.03	68.97	64.01	94.04	104	165	143
Free cash flow	−114	−101	143	−114	−47.21	−88.35	−451
CFO / OP %	13.0%	6.0%	−24.0%	2.0%	−5.0%	−6.0%	25.0%

Fino Payments Bank ratios

Working-capital days and returns, by year.

Fino Payments Bank Ratios
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	−30.0%	−32.0%	−22.0%	15.0%	14.0%	13.1%	14.0%	13.0%	7.0%

Fino Payments Bank: frequently asked questions

What are the latest quarterly results of Fino Payments Bank?

For the Mar 2026 quarter, Fino Payments Bank reported revenue of ₹64.22 Cr, up 21.4% year on year and net profit of ₹7.09 Cr, down 70.4% year on year.

What is the annual revenue of Fino Payments Bank?

Fino Payments Bank's revenue for the year to Mar 2026 were ₹248 Cr; over the last twelve months they were ₹249 Cr.

What is the net profit of Fino Payments Bank?

Net profit for the year to Mar 2026 was ₹51.94 Cr, and ₹52.38 Cr over the last twelve months. Earnings per share over the same trailing period were ₹6.33.

What is the free cash flow of Fino Payments Bank?

Cash from operations was −₹306 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹451 Cr.

Loading…