Fino Payments Bank Q3 FY26: profit declines sharply, exceptional Labour Code charge

Revenue declinedEBITDA margin compressionExceptional itemResults View source PDF Explain this filing

FINOPB · price

Loading chart…

▲ 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

-1.3%Reaction day

₹219.75

prior close

₹210.00

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+1.8%-3.1% vs market

Other Bank peers, median of 8sector+1.2%-2.4% vs sector

On the reaction day the stock moved 3.1 pts less than Nifty Microcap 250 and 2.4 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

+0.9

10m

-0.2

15m

+0.5

30m

+1.2

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-1.3+1.8-3.1+1.2-2.4

Next day

-3.1+0.5-3.6-1.5-1.6

+1.0+4.3-3.3-0.4+1.3

+4.2+5.6-1.4-0.7+4.9

+6.0+4.6+1.4-0.7+6.7

+6.0+3.8+2.3+0.1+5.9

+7.1+7.5-0.4+1.6+5.5

15d

-3.5+3.8-7.3-0.1-3.3

-11.7-0.3-11.4-6.2-5.6

-46.5-9.6-37.0-17.1-29.4

-42.3+9.9-52.2+2.8-45.1

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 Q3 FY26: total income Rs 394.41 Cr (down 14% YoY); net profit Rs 12.25 Cr, down 47% YoY. For 9M FY26, income slipped to Rs 1,247.94 Cr; PAT fell to Rs 45.35 Cr from Rs 68.53 Cr. Other banking operations income was the main drag. Bank booked a Rs 3.1 Cr exceptional charge for the new Labour Codes. Capital adequacy remained strong at 73.15%. 9M EPS stood at Rs 5.45 (vs Rs 8.23).

Likely market impact

Sharp profit decline YoY on lower fee income and one-time Labour Code charge. Capital position strong but margins under pressure. Watch other banking revenue trend.