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  3. Fino PayTech

Fino PayTech Unlisted Share Price Today

ISIN INE511I01011.

Founded in 2006, Fino Paytech Ltd is a developer of banking technology software and hardware solutions to help its clients in enrolling customers, data storage and verification in unbanked areas which have limited connectivity and access. Using Fino Paytech’s products, commercial banks and insurance companies can rapidly scale up their business to millions of unbanked customers located in remote and rural areas, using handheld devices. About Company Fino PayTech is a technology-driven financi…

Fino PayTech

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Fino PayTech

Fino PayTech Unlisted Share Price Today

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SectorFinancial Services
ISININE511I01011
Depository
Market Cap₹958.8 Cr
P/E Ratio15.94
ROE (%)12.59
Revenue₹1,653.82 Cr
Book Value64.01
Debt to Equity1.01
Face Value10
52W High₹125
52W Low₹91
Market Cap₹958.8 Cr
P/E Ratio15.94
ROE (%)12.59
Revenue₹1,653.82 Cr
Book Value64.01
Debt to Equity1.01
52W High/Low₹125 / ₹91
Face Value10
As of FY25

About the company & Industry

About Company

Fino PayTech is a technology-driven financial services company in India, specializing in financial inclusion, digital banking infrastructure, and transaction-based payment solutions. Through its subsidiary Fino Payments Bank Limited, the company provides merchant-led banking services including deposits, remittances, digital payments, Aadhaar-enabled services, micro-ATM transactions, and government benefit distribution. It primarily serves underbanked and rural segments while partnering with banks, NBFCs, insurance companies, and government institutions.

Fino operates a technology-focused, scalable and transaction-led business model, emphasizing digital infrastructure, distribution reach, and operational efficiency. The company leverages a wide merchant network as customer touchpoints, enabling asset-light expansion while operating within a liability-driven banking structure. Its revenue mix is largely transaction-based, supported by payment services, banking commissions, and financial service distribution. Over the past few years, the company has demonstrated a profitability turnaround, improving margins and return ratios while maintaining disciplined cost control.

Headquartered in Mumbai, Maharashtra, India, Fino operates across India with a strong presence in semi-urban and rural markets.

About Company

Fino PayTech is a technology-driven financial services company in India, specializing in financial inclusion, digital banking infrastructure, and transaction-based payment solutions. Through its subsidiary Fino Payments Bank Limited, the company provides merchant-led banking services including deposits, remittances, digital payments, Aadhaar-enabled services, micro-ATM transactions, and government benefit distribution. It primarily serves underbanked and rural segments while partnering with banks, NBFCs, insurance companies, and government institutions.

Fino operates a technology-focused, scalable and transaction-led business model, emphasizing digital infrastructure, distribution reach, and operational efficiency. The company leverages a wide merchant network as customer touchpoints, enabling asset-light expansion while operating within a liability-driven banking structure. Its revenue mix is largely transaction-based, supported by payment services, banking commissions, and financial service distribution. Over the past few years, the company has demonstrated a profitability turnaround, improving margins and return ratios while maintaining disciplined cost control.

Headquartered in Mumbai, Maharashtra, India, Fino operates across India with a strong presence in semi-urban and rural markets.

Financials

Margin Expansion Over 5 Years

EBITDA margin nearly doubled from 6.72% (FY21) to 15.28% (FY25).

Strong Revenue Momentum

Revenue from operations grew from ₹834.51 Cr to ₹1,653.82 Cr, with steady acceleration to 23.48% in FY25.

Earnings Turnaround

PAT improved from a ₹50.4 Cr loss (FY21) to ₹97.48 Cr profit (FY25), with EPS rising to ₹5.74.

Income Statement

Revenue(Figures in Cr.)

Margin Expansion Over 5 Years

EBITDA margin nearly doubled from 6.72% (FY21) to 15.28% (FY25).

Strong Revenue Momentum

Revenue from operations grew from ₹834.51 Cr to ₹1,653.82 Cr, with steady acceleration to 23.48% in FY25.

Earnings Turnaround

PAT improved from a ₹50.4 Cr loss (FY21) to ₹97.48 Cr profit (FY25), with EPS rising to ₹5.74.

Income Statement

Revenue(Figures in Cr.)

Competitive Position

Market Share

P/E Ratio

Financial Ratio Comparison (FY25)

Particulars
Fino PayTech
Paytm
MobiKwik
Revenue (₹ Cr)1653.826900.401170.17
Revenue Growth (%)23.48-30.8433.73
EBITDA Margin (%)15.280.63-6.78
Net Profit Margin (%)5.89-9.61-10.38
ROE (%)12.59-4.69-32.35
Debt to Equity1.010.000.46
Asset Turnover Ratio (x)0.410.441.05
ROCE (%)20.51--
ROA (%)2.45--
Equity Multiplier (x)5.121.102.94

Market Share

P/E Ratio

Financial Ratio Comparison (FY25)

Particulars
Fino PayTech
Paytm
MobiKwik
Revenue (₹ Cr)1653.826900.401170.17
Revenue Growth (%)23.48-30.8433.73
EBITDA Margin (%)15.280.63-6.78
Net Profit Margin (%)5.89-9.61-10.38
ROE (%)12.59-4.69-32.35
Debt to Equity1.010.000.46
Asset Turnover Ratio (x)0.410.441.05
ROCE (%)20.51--
ROA (%)2.45--
Equity Multiplier (x)5.121.102.94

Management

Shareholding PatternAs of FY26
Bharat Petroleum Corporation Limited
26.77%
ICICI Prudential Life Insurance Company Ltd.
10.36%
ICICI Bank Limited
9.07%
Blackstone GPV Capital Partners (Mauritius) VI-B FDI Limited
8.87%
ICICI Lombard General Insurance Company Limited
5.72%
International Finance Corporation
6.01%
Others
35.20%

Key Managerial Personnel

As of FY26
NameDesignation and Experience
Mr. Rajeev Deoras
Non-executive Chairman
Mr. Suresh Balasubramanian
Chief Financial Officer

Shareholding PatternAs of FY26
Bharat Petroleum Corporation Limited
26.77%
ICICI Prudential Life Insurance Company Ltd.
10.36%
ICICI Bank Limited
9.07%
Blackstone GPV Capital Partners (Mauritius) VI-B FDI Limited
8.87%
ICICI Lombard General Insurance Company Limited
5.72%
International Finance Corporation
6.01%
Others
35.20%

Key Managerial Personnel

As of FY26
NameDesignation and Experience
Mr. Rajeev Deoras
Non-executive Chairman
Mr. Suresh Balasubramanian
Chief Financial Officer
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reported revenue of ₹1653.82 Cr in FYFY25. PAT was ₹97.49 Cr. See full financials on this page.

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