Fino Payments Bank Q1 loss; CEO exit, SFB transition update

Net loss reportedRevenue declinedEBITDA margin compressionDebt to equity above the thresholdResults View source PDF Explain this filing

FINOPB · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

-9.1%Reaction day

₹164.35

prior close

₹158.00

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+0.1%-9.1% vs market

Other Bank peers, median of 8sector-1.4%-7.6% vs sector

On the reaction day the stock moved 9.1 pts less than Nifty Microcap 250 and 7.6 pts less than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-2.3

10m

-3.3

15m

-3.8

30m

-3.4

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-9.1+0.1-9.1-1.4-7.6

Next day

-9.9+0.2-10.1-1.5-8.5

-8.4+0.6-8.9-0.6-7.8

-10.6-0.0-10.6-1.0-9.6

-10.9+0.5-11.4-0.8-10.0

-11.7+0.8-12.4+1.2-12.8

-11.8+0.6-12.3-0.4-11.4

15d

-15.4+1.3-16.6-2.9-12.4

-16.0-1.4-14.7-6.5-9.5

-17.8-0.6-17.3-7.1-10.8

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UpDownMarket · Nifty Microcap 250Sector · Other Bank peers, median of 8Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Fino Payments Bank swung to a net loss of 13.72 crore rupees in Q1 FY27 versus a profit of 17.76 crore a year ago, as total income fell about 32 percent to 306.87 crore. Operating profit turned negative at minus 13.72 crore vs 24.63 crore earlier. EPS was minus 1.65 rupees. Capital adequacy stayed strong at 82.58 percent. Debt to equity rose sharply to 2.56 from 1.28. CEO Rishi Gupta took voluntary early retirement in May 2026, with Ketan Merchant named interim CEO. Bank holds RBI in principle approval to convert into a Small Finance Bank.

Likely market impact

Q1 swung to loss on sharply lower fee income. CEO exit and ongoing Small Finance Bank transition are key watch points for shareholders.