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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

    13.35

    AVG P/E of Key Peer/s

    NA

    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

    18.23%

    PAT Growth

    NA

    ROE

    15.06%

    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

    1.13

    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.

₹122.00 -5.00 (-3.94%)

As on 13 Jan, 2026
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 ₹ 122.00
  • No. of Shares outstanding 12.76 Cr.
  • Market Cap ₹ 1,556.72 Cr
Financials
  • Revenue from operations ₹ 1,653.82 Cr.
  • EBITDA ₹ 252.71 Cr.
  • EBITDA Margin % 15.28%
  • Profit After Tax ₹ 97.48 Cr.
  • PAT Margin % 5.23%
  • EPS 7.64
  • Stock P/E 15.97
  • Book Value Per Share 50.73
  • P/B 2.40
  • Debt/Equity 1.13
Other Key Statistics
  • 52 week High/Low 177.00/101.00
  • Dividend Per Share 0.00
  • Dividend Yield 0.00%
  • Sales Growth - 3 years 18.23%
  • EBITDA Growth - 3 years 125.67%
  • PAT Growth - 3 years NA
  • EPS Growth - 3 years NA
  • ROE 15.06%
  • ROCE 20.51%
  • Cash Equivalents 642.94
All figures below are in INR Crores unless otherwise stated

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 1,653.82 1,339.31 1,149.43 1,000.81 834.51
Y-o-Y Revenue Growth 23.48% 16.52% 14.85% 19.93% 0.86%
Other Income 210.59 158.08 141.87 49.81 25.86
Total Income 1,864.41 1,497.39 1,291.30 1,050.63 860.37
Total Expenses (Excludes Interest and Depreciation) 1,611.70 1,296.69 1,124.41 1,028.64 804.25
Operating Profit (After deducting Depreciation) -30.97 -20.59 -25.42 -71.57 -36.06
OPM % -1.87 -1.54 -2.21 -7.15 -4.32
EBITDA 252.71 200.70 166.89 21.99 56.12
Depreciation 73.09 63.21 50.44 43.74 66.32
EBIT 179.62 137.49 116.45 -21.75 -10.20
Interest 65.04 57.93 54.15 30.09 39.57
EBT before Exceptional Items 114.58 79.56 62.30 -51.84 -49.77
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 114.58 79.56 62.30 -51.84 -49.77
Tax 17.10 -1.27 12.19 1.30 0.64
Net Profit 97.48 80.83 50.11 -53.14 -50.41
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 97.48 80.83 50.11 -53.14 -50.41
EPS in Rs 7.64 6.34 3.93 -4.17 -3.95
EPS Change % 20.60% 61.31% 0.00% 5.42% 140.16%
EBITDA Change % 25.91% 20.26% 658.94% -60.82% -24.02%
Profit growth 20.60% 61.31% 0.00% 5.42% 140.16%
ROCE 20.51% 17.39% 16.73% -1.62% -3.75%
ROE 15.06% 14.26% 7.86% -4.22% -29.64%
Debt / Equity Ratio 1.13 1.29 0.71 0.23 1.45
Sales growth 3Years 18.23% 17.08% 11.58%
Sales growth 5Years 14.86% 20.50% %
Dividend per share 37.71

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 104.56 104.56 104.40 109.17 99.38
Reserves 542.63 462.15 533.44 1,050.34 70.69
Total shareholders' funds 647.19 566.71 637.84 1,258.07 170.07
Borrowings 732.79 732.79 454.73 290.70 246.91
Other Liabilities 2,569.94 2,014.22 1,439.50 894.00 763.48
Total Liabilities 3,526.17 2,861.20 1,982.64 1,296.11 1,094.16
Fixed Assets 159.89 159.96 154.86 122.58 91.80
Capital WIP 130.22 47.33 5.48 0.46 1.81
Investments 2,388.69 1,747.22 1,145.79 634.03 506.13
Other Assets 212.06 224.82 302.77 131.28 155.26
Total Assets 4,358.48 3,586.75 2,620.19 2,554.18 1,264.68
Cash Equivalents 642.94 989.47 854.73 1,057.47 286.64
Total Current liability 3,482.92 2,796.19 1,924.34 1,214.68 992.77
Total Assets -Total Current liabilty 875.56 790.56 695.85 1,339.50 271.91

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity 596.05 595.09 387.09 217.39 442.92
Net Cash from / (used in) Investing Activity -862.95 -574.57 -538.77 671.22 -416.18
Net Cash from / (used in) Financing Activity 32.58 214.02 -506.48 20.35 -76.64
Net Inc/Dec In Cash And Cash Equivalents -234.30 234.54 -658.16 908.97 -49.91

Share Holding Pattern

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

News

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