FINOPB.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Performance Graph
Financial Ratios
Ratio Value
PE Ratio30.37
Net Profit Margin0.16
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity1.11
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: NA

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.16
Return on Assets0.00
Return on Equity0.13
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio1.11
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio30.37
Gross Profit Margin0.00
Price to Book Ratio4.07
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Fino Payments Bank Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 34191124000 24664016000 16800023000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 17469301000 11464335000 6313985000
Held To Maturity Securities - - -
Available For Sale Securities - - -
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 1952387000 1449118000 927485000
Accumulated Depreciation -2396168000 -1862164000 -1474264000
Gross Ppe 4348555000 3311282000 2401749000
Construction In Progress 473301000 54802000 4586000
Other Properties 3875254000 3256480000 2397163000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 110059000 88406000 123273000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 10655500000 8339395000 7661632000
Cash Equivalents - - -
Cash Financial 14416000 46153000 96466000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt 7126500000 4340645000 2496535000
Total Liabilities Net Minority Interest 27759436000 19138556000 12001708000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 7126500000 4340645000 2496535000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 9148000 3611000 366000
Other Payable - - -
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 9148000 3611000 366000
Common Stock Equity 6431688000 5525460000 4798315000
Total Capitalization 13558188000 9866105000 7294850000
Total Equity Gross Minority Interest 6431688000 5525460000 4798315000
Minority Interest - - -
Stockholders Equity 6431688000 5525460000 4798315000
Other Equity Interest 152120000 108132000 31857000
Treasury Stock - - -
Retained Earnings -1919563000 -2467642000 -2716759000
Additional Paid In Capital 6491950000 6491950000 6491950000
Capital Stock 832143000 832143000 832143000
Common Stock 832143000 832143000 832143000

Income statement interpretation for Fino Payments Bank Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 5556077000 4470417000 3782282000
Operating Revenue 5556077000 4470417000 3782282000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 862240000 650870000 427408000
Net Income From Continuing Operation Net Minority Interest 862240000 650870000 427408000
Net Income From Continuing And Discontinued Operation 862240000 650870000 427408000
Net Income Common Stockholders 862240000 650870000 427408000
Net Income Including Noncontrolling Interests 862240000 650870000 427408000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 862240000 650870000 427408000
Normalized Income 862150400 650989000 430712000
Normalized Ebitda - - -
Total Unusual Items 128000 -170000 -3304000
Total Unusual Items Excluding Goodwill 128000 -170000 -3304000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 534456000 418547000 354504000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 4687596000 3819377000 3351570000
Other Operating Expenses 1352038000 1022701000 820475000
Depreciation And Amortization In Income Statement 534456000 418547000 354504000
Amortization - - -
Depreciation Income Statement 534456000 418547000 354504000
Selling General And Administration 661811000 497690000 550664000
Selling And Marketing Expense 95388000 116242000 161515000
General And Administrative Expense 566423000 381448000 389149000
Rent And Landing Fees 283176000 262595000 245216000
Tax Provision 800000 - -
Pretax Income 862240000 650870000 427408000
Other Non Operating Income Expenses - - -
Special Income Charges 128000 -170000 -3304000
Other Special Charges -128000 170000 3304000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 10.36 7.82 5.34
Basic Eps 10.36 7.82 5.34
Diluted Ni Avail To Com Stockholders 862240000 650870000 427408000
Net Income From Continuing Operations 863013000 650870000 427408000
Minority Interests - - -

Cash flow analysis for Fino Payments Bank Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 567847000 -201018000 2074417000
Changes In Cash 2316105000 677763000 4953456000
Taxes Refund Paid -23199000 34866000 -75286000
Change In Working Capital -904720000 -1416939000 1295199000
Change In Other Current Liabilities 826887000 1113002000 99750000
Change In Other Current Assets -680821000 -1550392000 -103527000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 229000 228000 -
Stock Based Compensation 43988000 76274000 31857000
Provision And Write Off Of Assets 5596000 - -
Depreciation And Amortization 534456000 418547000 354504000
Amortization Cash Flow - - -
Depreciation 534456000 418547000 354504000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -1037597000 -965329000 -643113000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale - - -
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - -24979000 -
Sale Of Business - - -
Purchase Of Business - -24979000 -
Net Ppe Purchase And Sale -1037597000 -940350000 -643113000
Sale Of Ppe 259000 3056000 430000
Purchase Of Ppe -1037856000 -943406000 -643543000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 2785855000 1844110000 3522152000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance - - 2833575000
Common Stock Payments - - -
Common Stock Issuance - - 2833575000
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt 2785855000 1844110000 688577000
Issuance Of Capital Stock - - 2833575000
Net Issuance Payments Of Debt 2785855000 1844110000 688577000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 2785855000 1844110000 688577000
Long Term Debt Payments - - -
Long Term Debt Issuance 2785855000 1844110000 688577000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of FINOPB.NS (Fino Payments Bank Limited)

Above is the summary for fundamental analysis of Fino Payments Bank Limited , whose ticker name is FINOPB.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Fino Payments Bank Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 30.37, FINOPB.NS has a net profit margin of 0.16, the acid test ratio for FINOPB.NS is 0.00, FINOPB.NS has an inventory turnover of 0.00, and FINOPB.NS has debt-to-equity ratio of 1.11.

The FINOPB.NS whose company name is Fino Payments Bank Limited has made profit/loss of 0 with total revenue of 5556077000, FINOPB.NS has assets worth of 34191124000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

2. How to Use Our Tool

  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
  • Once you land on the Stock Analytics Page, click on “Fundamental Analysis”; this will take you to the fundamental analysis page.
  • Apply Filter
  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
  • Apply Filter
  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
  • Apply Filter