Last Traded Price : ₹110
About
Fino PayTech Limited (Fino), founded on July 13, 2006, is headquartered at Navi 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 need of its customers, and thus become their universally preferred choice. Fino is an institutional investor driven company owned by international and Indian investors. Fino has emerged as a thought leader, innovator and implementer of technology solutions for institutions like banks, micro-finance institutions, government entities and insurance companies. As an alternate banking channel, Fino enables seamless end-to-end customer sourcing and servicing. Fino is also a licensed ASA from UIDAI and offers various AUA and related services Fino's business model derives its strength from the robust in-house technology, versatile operations, channel scale and customer know-how.
Read moreFundamental
Company Name :
Fino Paytech Limited
Fino Paytech Limited
Scrip Name :
FinoPaytech Limited
FinoPaytech Limited
ISIN No. :
INE511I01011
INE511I01011
No. of Outstanding Shares :
127,352,797
127,352,797
PAN No. :
AAACF9869M
AAACF9869M
Face Value :
₹10.00
₹10.00
EPS :
₹7.65
₹7.65
PE ratio :
14.37
14.37
P/S Ratio :
0.75
0.75
Market Capitalization :
₹1,400.88 Crore
₹1,400.88 Crore
Book value :
₹50.82
₹50.82
P/BV :
2.16
2.16
52 Week High :
₹ 162.00 (20/10/24)
₹ 162.00 (20/10/24)
52 Week Low :
₹ 100.00 (02/09/25)
₹ 100.00 (02/09/25)
Lifetime High :
₹ 420.00 (29/10/21)
₹ 420.00 (29/10/21)
Lifetime Low :
₹ 95.00 (20/06/19)
₹ 95.00 (20/06/19)
DRHP Filed ?
No
No
Available on :
NSDL and CDSL
NSDL and CDSL
ROFR Require :
No
No
Sector :
Financial Service
Financial Service
CIN :
U72900MH2006PLC162656
U72900MH2006PLC162656
Registration Date :
15/06/2006
15/06/2006
Balance Sheet (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Non-current assets | ||
| Property, plant and equipment | 12,753.24 | 12,418.96 |
| Right-of-use assets | 3,236.34 | 3,578.60 |
| Capital work-in-progress | 13,022.50 | 4,733.01 |
| Other intangible assets | 4,481.37 | 2,988.11 |
| Investments | 5,292.47 | 5,549.42 |
| Loans | - | -0.29 |
| Others | 58,551.42 | 21,848.04 |
| Deferred tax assets (net) | 572.11 | 620.8 |
| Advance tax assets (net) | 757.2 | 1,117.63 |
| Other non-current assets | 676.55 | 1,254.78 |
| Current assets | ||
| Inventories | 3,279.05 | 3,199.72 |
| Investments | 2,33,577.03 | 1,69,173.00 |
| Trade receivables | 6,839.98 | 7,668.85 |
| Cash and cash equivalents | 39,955.69 | 63,386.50 |
| Bank balances other than above | 24,339.18 | 35,262.00 |
| Loans | 16.94 | 8.39 |
| Others | 7,967.32 | 4,632.50 |
| Other current assets | 20,530.21 | 21,239.17 |
| Total Assets | 4,35,848.60 | 3,58,679.20 |
| Equity | ||
| Equity share capital | 10,456.42 | 10,456.15 |
| Instruments entirely in nature of equity | 2,278.86 | 2,278.86 |
| Other equity | 51,984.45 | 43,936.69 |
| Non-controlling interests | 18,511.18 | 15,883.67 |
| Non-current Liabilities | ||
| Borrowings | - | 1,995.45 |
| Lease liabilities | 2,810.19 | 3,180.36 |
| Provisions | 1,514.57 | 1,324.52 |
| Other non-current liabilities | - | 0.32 |
| Current liabilities | ||
| Borrowings | 83,945.72 | 71,284.56 |
| Trade payables | ||
| Due to micro and small enterprises | 4.52 | 3.37 |
| Due to other than micro and small enterprises | 1,074.98 | 714.71 |
| Lease liabilities | 990.13 | 902.28 |
| Other financial liabilities | 2,36,960.95 | 1,93,903.56 |
| Other current liabilities | 20,034.54 | 8,437.73 |
| Short-term provisions | 2,486.84 | 1,835.68 |
| Current tax liabilities | 2,795.25 | 2,541.30 |
| Total Equity and Liabilities | 4,35,848.60 | 3,58,679.20 |
Profit & Loss Statement (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Income | ||
| Revenue from operations | 165382.83 | 133931.18 |
| Other income | 21059.91 | 15808.34 |
| Total income | 186442.74 | 149739.52 |
| Expenses | ||
| Purchase of goods and services | 111464.34 | 17079.16 |
| Changes in inventories of finished goods, work?in?progress and stock?in?trade | -79.34 | 985.92 |
| Employee benefits expenses | 21417.2 | 18426.75 |
| Finance costs | 6504.36 | 5793.99 |
| Interest on deposits | 3997.16 | 2775.8 |
| Depreciation & amortization expenses | 7309.95 | 6321.25 |
| Other Expenses | 24369.47 | 90400.81 |
| Total expenses | 174983.14 | 141783.68 |
| Profit Before Tax | 11459.6 | 7955.84 |
| Current Tax | 1637.03 | 50.31 |
| Tax provision for earlier years | 1.48 | -143.25 |
| Deferred tax | 72.53 | -34.6 |
| Profit / (Loss) for the year | 9748.56 | 8083.38 |
| Other Comprehensive Income | ||
| Items that will not be reclassified to P&L (remeasurement) | -76.99 | -63.01 |
| Equity investments through OCI ? net change in fair value | -377.86 | - |
| Income tax on those items | 23.83 | - |
| Items that will be reclassified to profit or loss (Investment at FVOCI) | 104.03 | 245.96 |
| Other Comprehensive Income (net of tax) | -326.99 | 182.95 |
| Total Comprehensive Income for the year | 9421.57 | 8266.32 |
| Profit attributable to | ||
| Owners of the company | 7382.26 | 5941.36 |
| Non?controlling interests | 2366.3 | 2142.02 |
| Other Comprehensive Income attributable to | ||
| Owners of the company | -275.01 | 145.02 |
| Non?controlling interests | -51.98 | 37.93 |
| Total Comprehensive Income attributable to | ||
| Owners of the company | 7107.25 | 6086.38 |
| Non?controlling interests | 2314.32 | 2179.95 |
| Earnings Per Share ? Basic | 5.8 | 5.69 |
| Earnings Per Share ? Diluted | 5.74 | 4.59 |
Cash Flow Statement (RS in Lakhs)
| Particulars | 2025 | 2024 |
|---|---|---|
| Cash flow from operating activities | ||
| Profit Before tax from continuing operations | 11,459.60 | 7,955.83 |
| Adjustments to reconcile (loss) / profit before tax to net cash used in operating activities: | ||
| Depreciation | 7,309.95 | 6,321.25 |
| Profit / Loss on sale of fixed assets | -3.21 | - |
| ESOP expense | 1,242.46 | 471.52 |
| Interest income | -20,481.80 | -15,702.65 |
| Interest & finance charges | 6,101.32 | 5,430.79 |
| Interest on unwinding of lease liability | 403.04 | 363.2 |
| Gain on disposal of ROU asset | -8.32 | -19.23 |
| ECL on security deposit written (back)/off | -12.72 | 26.67 |
| Other liabilities written back | -18.36 | - |
| Creditors written back | -186.83 | - |
| Provision for loan losses expenses | -5.09 | -16.82 |
| Bad Debts | 302.62 | - |
| Provision for doubtful debts and assets | -261.36 | 320.68 |
| Net loss on disposal of fixed assets | 35.89 | - |
| Operating profit before working capital changes | 5,877.19 | 5,151.25 |
| Working capital adjustments: | ||
| (Increase)/Decrease in inventories | -79.34 | 985.88 |
| (Increase)/decrease in trade receivables | 826.64 | -796.06 |
| (Increase)/decrease in other current assets | 672.3 | -6,775.07 |
| (Increase)/decrease in current financial assets - loans | 3.55 | 124.94 |
| (Increase)/decrease in other current financial assets | -3,328.77 | 1,683.27 |
| (Increase)/decrease in non-current financial assets - others | 47.33 | -310.57 |
| (Increase)/decrease in other non-current assets | 578.25 | -636.68 |
| (Increase)/decrease in non-current financial assets - loans | -0.46 | -0.71 |
| (Increase)/decrease in trade payables | 548.24 | -1,533.06 |
| (Increase)/decrease in other current liabilities | 11,613.46 | 6,028.74 |
| (Increase)/decrease in other current financial liabilities | 43,041.06 | 52,271.23 |
| (Increase)/decrease in other non-current liabilities | -0.32 | -2.24 |
| (Increase)/decrease in provisions | 766.4 | 325.66 |
| Cash generated from / (used in) operations before adjustments for interest received and interest paid | 60,565.54 | 56,516.60 |
| Interest received | 88.28 | 204.04 |
| Cash used in operations | 60,653.80 | 56,720.62 |
| Income tax paid | -1,047.96 | 2,789.12 |
| Net cash (used) / generated from operating activities | 59,605.84 | 59,509.74 |
| Cash flows from investing activities | ||
| Acquisition of property, plant and equipment and Capital work in progress | -13,800.54 | -8,821.30 |
| Proceeds from sale of property, plant and equipment | 5.67 | -6.67 |
| Acquisition of computer software | -2,650.53 | -1,727.48 |
| Acquisition of investments | -64,398.85 | -59,897.63 |
| Stake sale of subsidiary | - | -2.55 |
| Proceeds from fixed deposits | -25,834.95 | -2,500.27 |
| Interest received | 20,384.11 | 15,498.61 |
| Net Cash used in investing activities | -86,295.09 | -57,457.28 |
| Cash flows from financing activities | ||
| Proceeds from issue of equity shares | 11.5 | 72.57 |
| Proceeds from subordinate debt | -1,995.45 | 2.37 |
| Proceeds of short term borrowings (net) | 12,661.17 | 27,840.93 |
| Interest on Lease Liability | -401.86 | -351.09 |
| Principal payments of lease liability | -931.93 | -787.08 |
| Interest & finance charges paid | -6,084.98 | -5,375.28 |
| Net cash generated from financing activities | 3,258.44 | 21,402.42 |
| Net increase / (decrease) in cash and cash equivalents | -23,430.81 | 23,454.88 |
| Cash and cash equivalents at the beginning of the year | 63,386.50 | 39,931.63 |
| Cash and cash equivalents at the end of the year | 39,955.69 | 63,386.50 |
Financial Ratios
| Particulars | 2025 | 2024 |
|---|---|---|
| Current Ratio | 2.06 | 1.62 |
| Debt-Equity Ratio | - | 0.04% |
| Debt Service Coverage Ratio | 10.31 | -3.48 |
| Return on Equity Ratio | 0.69% | -1.63% |
| Inventory Turnover Ratio | 10.22 | 15.99 |
| Trade Receivables Turnover Ratio | 4.11 | 2.84 |
| Trade Payables Turnover Ratio | 2.76 | 1.21 |
| Net Capital Turnover Ratio | 0.28 | 0.58 |
| Net Profit Ratio | 30.74% | -58.75% |
| Return on Capital Employed | 1.10% | -1.64% |
| Return on Investment | 0.69% | -1.63% |
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