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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Fino Payments Bank Limited (FPBL) is an India-based scheduled commercial bank, which is engaged in providing digital based financial services. FPBL offers savings account, current account, BPay mobile banking and wallet application (app), loans, and insurance services. It…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, trading cheap versus its own history.
Fino Payments Bank is scored on the bank / lender framework. It keeps a thin 3.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 9%/yr and profit at -7%/yr. Book value has grown 13%/yr. Return on equity is a weak -2.0%.
At 19× earnings, the stock sits at the 7th percentile of its own 3.6-year range — the cheap end of where it has historically traded. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | -66.8 | 10.03 | better |
| P/B | 1.38 | 1.4 | better |
| ROE | -1.98 | 9.98 | worse |
| ROA | 1.1 | 0.92 | better |
| NIM | 2.81 | 4.25 | worse |
| Net NPA | 0 | 0.79 | better |
| CASA | 45 | 30.48 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 9% CAGR — growing but slowly. Growth is decelerating — latest year grew slower than the year before.
Profit is on a 2-year growth streak. Revenue is outpacing profit (9% vs -7%) — costs are rising faster than the top line. The latest year saw a -43% swing — check if it's a one-off or structural.
Operating margins have been stable around 4% — no major structural shift.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -7% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 9% sequentially — momentum is building. Run-rate fading — recent quarters 13% below earlier ones.
2 of 4 quarters loss-making — quarterly profitability is uneven. Profit fell 52% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (3% → -6%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 75.0% — heavily owner-operated with strong skin in the game. FIIs trimmed 2.7pp — foreign money is rotating out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.