Fino Payments Bank Limited has informed the Exchange about Investor Presentation
FINOPB · price
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Fino Payments Bank reported FY'26 revenue of ₹1,587.9 crore (down 14% YoY) and PAT of ₹52.5 crore (down 43% YoY). Q4'26 showed revenue of ₹340 crore with PAT of ₹7.1 crore. However, Net Revenue Margin improved significantly to 40% in Q4'26 (up 852 bps YoY). The bank received in-principle RBI approval for Small Finance Bank conversion - the first payments bank to achieve this distinction. Deposits reached all-time highs with average deposits growing 30% YoY to ₹2,403 crore. The bank migrated to Finacle Core Banking Platform in January 2026. Digital payments and UPI throughput showed strong growth. The medium-term SFB roadmap targets 20%+ ROE, <1% credit cost, and ₹8,000-10,000 crore AUM by FY'30.
Revenue declined but margin quality improved substantially. The RBI approval for SFB conversion is a major positive catalyst that could re-rate the stock, though near-term profitability remains pressured amid ecosystem challenges and higher operating costs.