Fino Paytech Limited
52W HIGH
Rs 136.5
52W LOW
Rs 110.25
1Y RETURN
+4.8%
About the Company
Fino Paytech Limited builds technology-led, branchless banking and payments infrastructure for banks, insurers, government programs and enterprises serving mass and underserved segments. The company operates a business correspondent network and platforms that enable account opening, cash-in/out, remittances, bill payments, Aadhaar-enabled services and micro-insurance distribution. Corporate materials outline headquarters in Navi Mumbai and the broader Fino ecosystem that includes the listed Fino Payments Bank. Fino Paytech focuses on secure transactions, KYC integrations and last-mile delivery to extend formal financial services across remote locations, improving accessibility and operational efficiency for partners and end users.
Quick Facts
As of 7 Jul 2026
Quantity
Minimum investment Rs 1,00,000 (866 shares).
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FUNDAMENTALS
Key Indicators
A snapshot of Fino Paytech Limited's valuation multiples and capital efficiency at a glance.
CURRENT SHARE PRICE
Rs 115.5
FACE VALUE / SHARE
Rs 10
BOOK VALUE / SHARE
Rs 80.52
PRICE TO EARNING (PE)
11.85
PRICE / BOOK
1.37
MARKET CAP
1.21K Cr
DEBT TO EQUITY
1.01
RETURN ON EQUITY
11.66%
52 WEEK HIGH
Rs 136.5
52 WEEK LOW
Rs 110.25
FINANCIALS
Fundamentals & Financial Statements
Price / Share
₹110
P/E Ratio
11.85
P/B Ratio
1.37
Debt to Equity
1.01
Book Value
₹80.52
Face Value
₹10
| Particulars | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 18 | 1,149 | 1,339 | 1,654 |
| Cost of Material Consumed | 11 | 185 | 171 | 1,115 |
| Change in Inventory | 0 | 3 | 10 | -0.7 |
| Gross Margins | 38.89% | 83.64% | 86.48% | 32.63% |
| Employee Benefit Expenses | 4 | 171 | 184 | 214 |
| Other Expenses | 216 | 766 | 904 | 244 |
| EBITDA | -213 | 24 | 70 | 81.7 |
| OPM | -1,183.33% | 2.09% | 5.23% | 4.94% |
| Other Income | 823 | 142 | 158 | 211 |
| Finance Cost | 1 | 54 | 86 | 105 |
| Depreciation & Amortisation | 2 | 50 | 63 | 73 |
| EBIT | -215 | -26 | 7 | 8.7 |
| EBIT Margins | -1,194.44% | -2.26% | 0.52% | 0.53% |
| Profit Before Tax | 605 | 62 | 80 | 115 |
| PBT Margins | 3,361.11% | 5.4% | 5.97% | 6.95% |
| Tax | 82 | 12 | -1 | 18 |
| Profit After Tax | 523 | 50 | 81 | 97 |
| Net Profit Margin | 2,905.56% | 4.35% | 6.05% | 5.86% |
| EPS | ₹47.81 | ₹4.79 | ₹7.75 | ₹9.28 |
PROCESS
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OWNERSHIP
Shareholding Pattern
Indicative ownership structure. Exact filed breakup confirmed at dealing.
CORPORATE CALENDAR
Events & Announcements
Typical annual calendar. Exact dates updated as the company announces them.
LEADERSHIP
Management Team
Standard governance structure. Named directors added as verified. Tap any role to see what they do and why it matters for investors.
REPORTS
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Fino Paytech Limited Financial Report
Fundamentals, financial statements and key ratios in one PDF
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QUESTIONS
Frequently Asked Questions
NEWS & INSIGHTS
Latest on Fino Paytech Limited & its sector
CORPORATE
Company Details
ISIN
INE511I01011
CIN
U72900MH2006PLC162656
PAN
AAACF9869M
REGISTRAR (RTA)
Adroit Corporate Services
DEPOSITORY
NSDL & CDSL
INCORPORATED
Jun 2006
OUTSTANDING SHARES
10,45,64,236
REGISTERED OFFICE
SK Elite, 5th Floor, Plot No. D-404 and D-405 TTC Industrial Area, MIDC Turbhe, Navi Mumbai, Thane MH IN 400705, India
SECTOR
Financials
INDUSTRY
Fintech / Payments
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Disclaimer: Prices shown are indicative and for reference purposes only. Unlisted shares carry higher risk than listed equities. Past performance is not indicative of future results. Financial statements, where shown, are compiled from company filings (MCA / RTA) and may be restated in subsequent filings. Neoma Capital does not provide investment advice. Please consult a qualified financial advisor. Transactions subject to KYC verification and SEBI regulations.