Fino Payments Bank Limited
Fino Payments Bank Limited Fundamental Analysis
Fino Payments Bank Limited (FINOPB.NS) shows moderate financial fundamentals with a PE ratio of 24.60, profit margin of 10.41%, and ROE of 9.65%. The company generates $6.7B in annual revenue with strong year-over-year growth of 22.63%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FINOPB.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakFINOPB.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFINOPB.NS trades at attractive valuation levels.
Growth Score
ModerateFINOPB.NS shows steady but slowing expansion.
Financial Health Score
ModerateFINOPB.NS shows balanced financial health with some risks.
Profitability Score
WeakFINOPB.NS struggles to sustain strong margins.
Key Financial Metrics
Is FINOPB.NS Expensive or Cheap?
P/E Ratio
FINOPB.NS trades at 24.60 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FINOPB.NS's PEG of -1.81 indicates potential undervaluation.
Price to Book
The market values Fino Payments Bank Limited at 2.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 17.75 times EBITDA. This signals the market has high growth expectations.
How Well Does FINOPB.NS Make Money?
Net Profit Margin
For every $100 in sales, Fino Payments Bank Limited keeps $10.41 as profit after all expenses.
Operating Margin
Core operations generate 14.43 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.65 in profit for every $100 of shareholder equity.
ROA
Fino Payments Bank Limited generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Fino Payments Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Fino Payments Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
FINOPB.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
24.60
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.81
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.56
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How FINOPB.NS Stacks Against Its Sector Peers
| Metric | FINOPB.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 24.60 | 18.79 | Worse (Expensive) |
| ROE | 9.65% | 849.00% | Weak |
| Net Margin | 10.41% | 2879.00% | Weak |
| Debt/Equity | 0.00 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 675.77 | Weak Liquidity |
| ROA | 0.00% | -20989.00% (disorted) | Weak |
FINOPB.NS outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Fino Payments Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
186.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
369.20%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-402.02%
Industry Style: Value, Dividend, Cyclical
Declining