Fino Paytech Limited Unlisted Shares
Industry: Financial | Sector: Banking | Depository: NSDL, CDSL
₹ 5,125.00
Key Indicators
| Key Indicators | 2025 |
|---|---|
| Current Share Price | 5,125.00 |
| Face Value | Share | 10.00 |
| Book Value | Share | 79.60 |
| Price To Earning (PE) | 18.10 |
| Price | Sales | 0.60 |
| Price | Book | 1.30 |
| Outstanding Shares (Crores) | 10.46 |
| Market Cap (Rs. Crores) | 1,098.30 |
| Debt | Equity | 4.20 |
| Dividend | Share | 0.00 |
| Dividend % (On Current Market Price) | 0.0% |
| Return on Total Assets | 2.2% |
| Return on Equity | 11.3% |
| Return on Working Capital | 5.9% |
* Ratio is calculated based on latest financial & current share price.
About The Company
Fino Paytech, founded on 13th July, 2006, is headquartered at Mumbai, with offices across India. It is a business and banking technology platform combined with an extensive services delivery channel, whose vision is to fulfil every financial service needs of its customers, and thus become their universally preferred choice. Fino Paytech is an institutional investor-driven company owned by international and Indian investors. The company has emerged as a though leader, innovator, and implementer of technology solutions for institutions like banks, micro-finance institutions, government entities, and
Pricing Trend
Financial Summary
Revenue Growth %
EBITDA Margin %
NET Margin %
Profit & Loss Summary
(All Amount in ₹ Crores)
| PROFIT & LOSS | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,864.4 | 1,497.4 | 1,291.3 | 1,050.6 | 860.4 | 852.9 | 547.4 | 376.9 |
| Expense | 1,611.7 | 1,296.7 | 1,124.4 | 1,028.6 | 804.3 | 779.1 | 511.2 | 471.0 |
| EBITDA | 252.7 | 200.7 | 166.9 | 22.0 | 56.1 | 73.8 | 36.2 | -94.1 |
| Other Cost | 138.1 | 121.1 | 104.6 | 73.8 | 105.9 | 93.7 | 90.2 | 82.0 |
| Profit Before Taxes | 114.6 | 79.6 | 62.3 | -51.8 | -49.8 | -19.9 | -54.0 | -176.1 |
| Tax Expense | 17.1 | -1.2 | 12.2 | 1.3 | 0.6 | 1.1 | 19.4 | -8.9 |
| Profit after Taxes | 97.5 | 80.8 | 50.1 | -53.1 | -50.4 | -21.0 | -73.3 | -167.2 |
| Other Income | Exp. | -3.3 | 1.8 | -1.4 | 1.0 | -2.0 | -1.2 | 1.4 | 1.5 |
| Income (Net Of Taxes) | 94.2 | 82.6 | 48.7 | -52.1 | -52.4 | -22.2 | -71.9 | -165.7 |
| Outstanding Share | 10.5 | 10.5 | 13.1 | 10.9 | 12.8 | 12.8 | 12.8 | 12.7 |
| Earning per Share (Rs | Share) | 5.8 | 5.7 | 2.6 | -4.5 | -3.9 | -2.0 | -6.0 | -13.0 |
| Revenue Growth % | - | -19.7% | -13.8% | -18.6% | -18.1% | -0.9% | -35.8% | -31.1% |
| EBITDA Margin % | 13.6% | 13.4% | 12.9% | 2.1% | 6.5% | 8.7% | 6.6% | -25% |
| Net Margin % | 5.1% | 5.5% | 3.8% | -5% | -6.1% | -2.6% | -13.1% | -44% |
| Earning per Share Growth % | - | -1.7% | -54.4% | -273.1% | -13.3% | -48.7% | 200% | 116.7% |
Balance Sheet
(All Amount in ₹ Crores)
| Balance Sheet | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash & Cash Equivalent | 399.6 | 633.9 | 399.3 | 1,501.5 | 286.6 | 350.0 | 528.9 | 403.4 |
| Non Current Asset | 993.4 | 541.0 | 350.8 | 271.8 | 225.7 | 281.7 | 248.2 | 274.1 |
| Current Asset | 2,965.5 | 2,411.8 | 1,870.0 | 780.8 | 752.3 | 430.5 | 490.5 | 513.5 |
| Total Asset | 4,358.5 | 3,586.7 | 2,620.1 | 2,554.2 | 1,264.7 | 1,062.2 | 1,267.6 | 1,191.0 |
| Equity Share Capital | 104.6 | 104.6 | 104.4 | 133.0 | 123.2 | 98.7 | 98.5 | 98.1 |
| Reserves | 727.7 | 620.9 | 533.1 | 1,125.1 | 47.4 | 119.2 | 140.8 | 257.8 |
| Total Equity | 832.3 | 725.5 | 637.5 | 1,258.1 | 170.5 | 217.8 | 239.4 | 355.9 |
| Non Current Liability | 43.2 | 65.0 | 58.3 | 54.4 | 101.4 | 134.5 | 207.2 | 242.2 |
| Current Liability | 3,482.9 | 2,796.2 | 1,924.3 | 1,241.7 | 992.8 | 709.8 | 821.0 | 592.9 |
| Total Liabilities | 3,526.2 | 2,861.2 | 1,982.6 | 1,296.1 | 1,094.2 | 844.3 | 1,028.2 | 835.1 |
| Total Equity & Liability | 4,358.5 | 3,586.7 | 2,620.1 | 2,554.2 | 1,264.7 | 1,062.2 | 1,267.6 | 1,191.0 |
Cash Flow Summary
(All Amount in ₹ Crores)
| CASH FLOW SUMMARY | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activity | 596.1 | 595.1 | 387.1 | 217.4 | 442.9 | 73.6 | 129.1 | -107.0 |
| Investing Activity | -863.0 | -574.6 | -538.8 | 671.2 | -416.2 | -184.2 | 155.2 | -27.9 |
| Financing Activity | 32.6 | 214.0 | -506.5 | 20.4 | -76.6 | -176.2 | -1.4 | 74.1 |
| Net Cash Flow | -234.3 | 234.5 | -658.2 | 909.0 | -49.9 | -286.8 | 283.0 | -60.8 |
Share Holding
Registered Address
ISIN: INE511I01011
PAN: AAACF9869M
D 404/405 S K Elite 5th Floor, Ttc Industrial Area Midc Tubhe, Navi Mumbai, Mumbai - 400701, Maharashtra
Management
Ashok Kini
chairman
Rishi Gupta
managing director & ceo
Rakesh Tripathi
chief financial officer
Suraj Gujja
company secretary
Download Financial Result
News
Digital payments to likely grow at 30-35% for Fino Payments Bank versus 25% sectoral growth, says Rishi Gupta, MD & CEO
Fino Payments Bank’s Q2 PAT Zooms 41% YoY To INR 19.5 Cr
Fino Payments Bank and Rajasthan Royals ties up for Digital Banking Partner
Fino Payments Bank To Raise INR 1,300 Cr Through IPO
Blackstone-Backed Fino Payments Bank's PAT Up 75% In Q2
Fino Payments Bank records over 35% YoY rise in Q3 PAT
Fino Payments Bank’s Q3 PAT Zooms To INR 19.1 Cr As High Margin Revenue Improves
Fino Payments Bank aims for 10 lakh customer touchpoints by March 2023
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About Fino Paytech Limited Unlisted Shares
Established in 2006, Fino Paytech Ltd is an institutional investor-driven company owned by Indian and International investors. The company offers products like FINO Tijori, a biometric smart card, smart cards (FINOsaral), end-to-end loan management solutions, etc. The company's authorized share capital is INR 170 CR., As of March 31, 2024, the issued, subscribed, and paid-up capital of the Company is Rs.
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