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About the company
Fino Payments Bank Limited (FPBL) is an India-based scheduled commercial bank, which is engaged in providing digital based financial services. FPBL offers savings account, current account, BPay mobile banking and wallet application (app), loans, and insurance services. It also provides business and banking technology platform. The Company's savings account offers Aarambh savings account, Suvidha savings account, Shubh savings account, Pratham savings account, Saral salary account, Bhavishya savings account, and Jan savings account. The Company's current account offers Pragati current account and Sampann current account. The Company's insurance service consists of life and health insurance. The Company operates four bank branches and 130 customer service points.
- Revenue in INR (TTM)1.50bn
- Net income in INR862.30m
- Incorporated2007
- Employees2.87k
- LocationFino Payments Bank LtdMindspace Juinagar, 8Th FloorPlot No. Gen 2/1/F,Tower 1,TTC IndustriaNAVI MUMBAI 400706IndiaIND
- Websitehttps://www.finobank.com
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Peer analysis
Key Information
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dhanlaxmi Bank Limited | 11.75bn | 926.83m | 10.70bn | 1.77k | 11.47 | 1.04 | -- | 1.73 | 3.69 | 3.69 | 24.50 | 40.57 | -- | -- | -- | -- | 0.6091 | 0.2787 | -- | -- | -- | -- | 15.01 | 7.39 | -- | -- | -- | -- | 16.87 | 1.12 | 37.48 | -- | 63.85 | -- |
| Capital Small Finance Bank Ltd | 7.94bn | 1.12bn | 15.08bn | 1.83k | 13.20 | -- | 23.96 | 3.65 | 25.37 | 25.37 | 93.81 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 26.99 | -- | -- | -- | -- | -- | 17.50 | -- | 19.16 | -- | -- | -- |
| FINO Payments Bank Ltd | 1.50bn | 862.30m | 23.39bn | 2.87k | 27.13 | 3.64 | -- | 1.67 | 10.36 | 10.36 | 168.18 | 77.29 | -- | -- | -- | -- | 2.93 | 2.33 | -- | -- | -- | -- | 6.16 | 3.62 | -- | -- | -- | -- | 58.17 | 50.94 | 32.47 | -- | 49.75 | -- |
| ESAF Small Finance Bank Limited | 38.18bn | 4.26bn | 28.16bn | -- | 5.86 | 1.13 | -- | 1.00 | 9.33 | 9.33 | 61.12 | 48.40 | -- | -- | -- | -- | 1.84 | 1.41 | -- | -- | -- | -- | 15.14 | 13.05 | -- | -- | -- | -- | 33.81 | 29.92 | 40.76 | 36.36 | 13.36 | -- |
| DCB Bank Ltd | 53.62bn | 5.36bn | 40.95bn | 11.33k | 7.70 | 0.8068 | -- | 1.70 | 16.99 | 16.99 | 76.16 | 162.12 | -- | -- | -- | -- | 0.9289 | 0.8736 | -- | -- | -- | -- | 22.31 | 20.15 | -- | -- | -- | -- | 27.66 | 12.01 | 15.12 | 10.50 | 11.58 | 4.56 |
| CSB Bank Ltd | 29.28bn | 5.67bn | 57.70bn | 6.84k | 10.45 | 1.56 | -- | 2.79 | 32.67 | 32.67 | 119.21 | 219.25 | -- | -- | -- | -- | 1.74 | 1.46 | -- | -- | -- | -- | 27.41 | 24.82 | -- | -- | -- | -- | 26.21 | 16.79 | 3.55 | -- | 39.21 | -- |
| Utkarsh Small Finance Bank Ltd | 31.78bn | 4.98bn | 58.12bn | 15.42k | 11.65 | 1.95 | -- | 2.54 | 4.54 | 4.54 | 20.84 | 27.04 | -- | -- | -- | -- | -- | 1.78 | -- | -- | -- | -- | 21.77 | 17.60 | -- | -- | -- | 4.36 | 26.88 | 29.31 | 23.02 | 39.59 | 17.84 | -- |
| Jana Small Finance Bank Ltd | 40.13bn | 6.70bn | 64.55bn | -- | 9.64 | -- | -- | 2.31 | 64.02 | 64.02 | 267.53 | -- | -- | -- | -- | -- | -- | 1.04 | -- | -- | -- | -- | 23.93 | 10.73 | -- | -- | -- | -- | 30.51 | 26.26 | 161.57 | -- | -0.0433 | -- |
| South Indian Bank Ltd | 86.13bn | 10.70bn | 72.99bn | 9.48k | 5.83 | 0.8269 | -- | 1.51 | 4.79 | 4.79 | 21.63 | 33.74 | -- | -- | -- | -- | 0.9508 | 0.4083 | -- | -- | -- | -- | 22.08 | 10.88 | -- | -- | -- | -- | 19.07 | 4.61 | 38.03 | 34.02 | 13.24 | 5.49 |
| Tamilnad Mercantile Bank Ltd | 48.48bn | 10.72bn | 73.72bn | 4.51k | 6.88 | 0.9307 | -- | 2.64 | 67.70 | 67.70 | 176.56 | 500.23 | -- | -- | -- | -- | 1.79 | 1.56 | -- | -- | -- | -- | 38.34 | 32.29 | -- | -- | -- | 8.05 | 18.79 | 8.50 | 4.16 | 32.90 | 24.20 | -- |
| Karnataka Bank Limited | 80.67bn | 13.86bn | 83.52bn | 8.65k | 5.11 | -- | -- | 1.81 | 43.28 | 43.28 | 144.00 | -- | -- | -- | -- | -- | -- | 0.7258 | -- | -- | -- | -- | 30.00 | 17.69 | -- | -- | -- | 14.83 | 16.05 | 5.89 | 132.22 | 29.36 | -0.6048 | 12.89 |
| Ujjivan Small Finance Bank Ltd | 53.33bn | 12.61bn | 101.81bn | 21.80k | 8.27 | -- | -- | 2.58 | 6.38 | 6.38 | 19.93 | -- | -- | -- | -- | -- | -- | 1.27 | -- | -- | -- | -- | 31.99 | 11.64 | -- | -- | -- | -- | 48.07 | 23.21 | 365.30 | 176.04 | 4.42 | -- |
Data as of May 18 2024. Currency figures normalised to Fino Payments Bank Ltd's reporting currency: Indian Rupee INR
10.86%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Motilal Oswal Asset Management Co. Ltd.as of 30 Apr 2024 | 4.09m | 4.92% |
| FIL Investment Management (Singapore) Ltd.as of 31 Mar 2024 | 1.91m | 2.30% |
| FIL Investment Management (Hong Kong) Ltd.as of 31 Mar 2024 | 1.51m | 1.82% |
| Steinberg Asset Management LLCas of 31 Mar 2023 | 850.00k | 1.02% |
| Tata Asset Management Ltd.as of 31 Mar 2023 | 392.00k | 0.47% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 240.71k | 0.29% |
| Dimensional Fund Advisors LPas of 09 May 2024 | 35.74k | 0.04% |
| Dimensional Fund Advisors Ltd.as of 30 Nov 2023 | 5.84k | 0.01% |
| DFA Australia Ltd.as of 31 Dec 2023 | 40.00 | 0.00% |
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Data from 31 Dec 2023 - 16 May 2024Source: FactSet Research Systems Inc.
