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FINO PAYTECH LIMITED

  • www.finopaytech.com
  • Sector: Payments
  • CHRYSEUM SCORE: 8.50/10.00
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    FINO PAYTECH LIMITED

    • Sector: Payments
    • CHRYSEUM SCORE: 8.50/10.00

    Description: Fino Paytech Limited is engaged in the business of providing technology solutions to various banks, insurance companies, government and non-government institutions and body corporates.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/E of Company

    16.09

    AVG P/E of Key Peer/s

    Valuation Score

    2.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed/unlisted peers. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    17.08%

    PAT Growth

    NA

    ROE

    11.14%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales and PAT on a 3 year CAGR basis and the Company’s ROE as per the latest financial year results released by the company.

    Leverage

    Max Score: 1.50

    Debt / Equity

    1.01

    AVG Industry Debt / Equity

    NA

    Leverage Score

    1.00

    Lower the Debt/Equity, higher the score.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹102.00 1 (0.99%)

As on 18 Apr, 2025
L 101.00 52 Week Range H 177.00
Company Description : Fino Paytech Ltd is the holding company of Fino Payments Bank Ltd. It is engaged in the business of providing technology solutions to various banks, insurance companies and other financial institutions
Company Overview
  • Name of Company FINO PAYTECH LIMITED
  • Sector Payments
  • ISIN INE511I01011
  • Scrip Code FINO PAYTECH
  • CIN U72900MH2006PLC162656
  • Pan No AAACF9869M
  • Face Value 10
  • Price ₹ 102.00
  • No. of Shares outstanding 12.76 Cr.
  • Market Cap ₹ 1,301.52 Cr
Financials
  • Revenue from operations ₹ 1,339.31 Cr.
  • EBITDA ₹ 200.70 Cr.
  • EBITDA Margin % 14.99%
  • Profit After Tax ₹ 80.83 Cr.
  • PAT Margin % 5.40%
  • EPS 6.34
  • Stock P/E 16.09
  • Book Value Per Share 56.87
  • P/B 1.79
  • Debt/Equity 1.01
Other Key Statistics
  • 52 week High/Low 177.00/101.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 17.08%
  • EBITDA Growth - 3 years 52.92%
  • PAT Growth - 3 years NA
  • EPS Growth - 3 years NA
  • ROE 11.14%
  • ROCE 17.39%
  • Cash Equivalents 989.47
All figures below are in INR Crores unless otherwise stated

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 1,339.31 1,149.43 1,000.81 834.51 827.37
Y-o-Y Revenue Growth 16.52% 14.85% 19.93% 0.86% 56.92%
Other Income 158.08 141.87 49.81 25.86 25.55
Total Income 1,497.39 1,291.30 1,050.63 860.37 852.92
Total Expenses (Excludes Interest and Depreciation) 1,296.69 1,124.41 1,028.64 804.25 779.06
Operating Profit (After deducting Depreciation) -20.59 -25.42 -71.57 -36.06 11.01
OPM % -1.54 -2.21 -7.15 -4.32 1.33
EBITDA 200.70 166.89 21.99 56.12 73.86
Depreciation 63.21 50.44 43.74 66.32 37.30
EBIT 137.49 116.45 -21.75 -10.20 36.56
Interest 57.93 54.15 30.09 39.57 56.41
EBT before Exceptional Items 79.56 62.30 -51.84 -49.77 -19.85
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 79.56 62.30 -51.84 -49.77 -19.85
Tax -1.27 12.19 1.30 0.64 1.14
Net Profit 80.83 50.11 -53.14 -50.41 -20.99
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 80.83 50.11 -53.14 -50.41 -20.99
EPS in Rs 6.34 3.93 -4.17 -3.94 -1.66
EPS Change % 0.00% 0.00% 5.72% 137.35% -71.13%
EBITDA Change % 20.26% 658.94% -60.82% -24.02% 103.81%
Profit growth 0.00% 0.00% 5.42% 140.16% -71.38%
ROCE 17.39% 16.73% -1.62% -3.75% 10.38%
ROE 11.14% 7.86% -4.22% -29.64% -9.65%
Debt / Equity Ratio 1.01 0.71 0.23 1.45 1.07
Sales growth 3Years 17.08% 11.58%
Sales growth 5Years 20.50% 26.14%
Dividend per share 37.71

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 104.56 104.40 109.17 99.38 98.65
Reserves 620.99 533.44 1,050.34 70.69 118.82
Total shareholders' funds 725.55 637.84 1,258.07 170.07 217.47
Borrowings 732.79 454.73 290.70 246.91 232.37
Other Liabilities 2,014.22 1,439.50 894.00 763.48 536.15
Total Liabilities 2,861.20 1,982.64 1,296.11 1,094.16 844.34
Fixed Assets 159.96 154.86 122.58 91.80 85.18
Capital WIP 47.33 5.48 0.46 1.81 0.44
Investments 1,747.22 1,145.79 634.03 506.13 133.30
Other Assets 224.82 302.77 131.28 155.26 117.11
Total Assets 3,586.75 2,620.19 2,554.18 1,264.68 1,062.16
Cash Equivalents 989.47 854.73 1,057.47 286.64 349.96
Total Current liability 2,796.19 1,924.34 1,214.68 992.77 709.82
Total Assets -Total Current liabilty 790.56 695.85 1,339.50 271.91 352.34

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity 595.09 387.09 217.39 442.92 73.58
Net Cash from / (used in) Investing Activity -574.57 -538.77 671.22 -416.18 -184.20
Net Cash from / (used in) Financing Activity 214.02 -506.48 20.35 -76.64 -176.19
Net Inc/Dec In Cash And Cash Equivalents 234.54 -658.16 908.97 -49.91 -286.81

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 0.00 0.00%
Non Promoters 12.76 100.00%

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