Fino Payments Bank Limited

BSE:543386 Stock Report

Market Cap: ₹25.2b

Fino Payments Bank Past Earnings Performance

Past criteria checks 2/6

Fino Payments Bank has been growing earnings at an average annual rate of 41.9%, while the Banks industry saw earnings growing at 37.2% annually. Revenues have been growing at an average rate of 18% per year. Fino Payments Bank's return on equity is 13.6%, and it has net margins of 5.7%.

Key information

41.9%

Earnings growth rate

41.2%

EPS growth rate

Banks Industry Growth38.0%
Revenue growth rate18.0%
Return on equity13.6%
Net Margin5.7%
Last Earnings Update31 Dec 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Fino Payments Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BSE:543386 Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2416,5729373,3250
30 Sep 2415,7029343,2460
30 Jun 2414,7909181,8440
31 Mar 2413,9888623,1190
31 Dec 2313,2988312,8300
30 Sep 2312,8177942,7680
30 Jun 2312,3407371,5890
31 Mar 2311,8256512,6760
31 Dec 2211,5416062,4180
30 Sep 2211,2455562,3780
30 Jun 2210,7174971,3930
31 Mar 229,9354272,3800
31 Dec 219,4233272,3430
30 Sep 218,9712512,2950
30 Jun 218,1952042,2370
31 Mar 217,7752052,0970
31 Mar 206,805-3201,9670
31 Mar 193,647-6241,9160
31 Mar 182,365-6731,8500

Quality Earnings: 543386 has high quality earnings.

Growing Profit Margin: 543386's current net profit margins (5.7%) are lower than last year (6.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 543386 has become profitable over the past 5 years, growing earnings by 41.9% per year.

Accelerating Growth: 543386's earnings growth over the past year (12.8%) is below its 5-year average (41.9% per year).

Earnings vs Industry: 543386 earnings growth over the past year (12.8%) did not outperform the Banks industry 12.8%.

Return on Equity

High ROE: 543386's Return on Equity (13.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/07 16:52
End of Day Share Price 2025/02/07 00:00
Earnings2024/12/31
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Fino Payments Bank Limited is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Shreya ShivaniCLSA
Renish BhuvaICICI Securities Ltd.