Fino Paytech Limited

Last trading price : ₹112

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 more

Fundamental


Company Name :
Fino Paytech Limited
Scrip Name :
FinoPaytech Limited
ISIN No. :
INE511I01011
No. of Outstanding Shares :
127,352,797
PAN No. :
AAACF9869M
Face Value :
₹10.00
EPS :
₹7.65
PE ratio :
14.63
P/S Ratio :
0.77
Market Capitalization :
₹1,426.35 Crore
Book value :
₹50.82
P/BV :
2.20
52 Week High :
₹ 162.00 (20/10/24)
52 Week Low :
₹ 100.00 (02/09/25)
Lifetime High :
₹ 420.00 (29/10/21)
Lifetime Low :
₹ 95.00 (20/06/19)
DRHP Filed ?
No
Available on :
NSDL and CDSL
ROFR Require :
No
Sector :
Financial Service
CIN :
U72900MH2006PLC162656
Registration Date :
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