Fino Payments Bank Q4 FY26: Profit plunges, CEO arrest, SFB transition approved

Revenue DeclineEbitda Margin CompressionExceptional ItemNegative Operating CashflowEmphasis Of MatterDebt Equity 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

-5.9%Reaction day

₹134.78

prior close

₹129.85

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used-0.4%-5.6% vs market

Other Bank peers, median of 8sector+0.4%-6.3% vs sector

On the reaction day the stock moved 5.6 pts less than Nifty Microcap 250 and 6.3 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

-2.5

10m

-3.8

15m

-5.1

30m

-4.3

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-5.9-0.4-5.6+0.4-6.3

Next day

-5.9+1.1-7.0+1.8-7.7

-3.5+1.0-4.6+3.3-6.8

-2.4+2.6-5.0+4.6-7.0

+1.0+4.2-3.3+5.8-4.8

-1.6+4.2-5.8+8.2-9.8

-6.1-0.5-5.6+0.9-7.0

15d

-8.3+0.9-9.2-2.0-6.2

-7.1+1.5-8.6+0.7-7.8

+6.8+9.1-2.3+2.8+4.0

+18.1+8.1+10.0+8.9+9.2

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 FY26 net profit fell 43% to ₹52.46 cr; total income dropped 14% to ₹1,588 cr. Q4 net profit crashed 70% to ₹7.1 cr. ₹4.4 cr exceptional item booked for new Labour Codes. MD & CEO Rishi Gupta arrested by DGGI in Feb 2026 (granted bail in March); RBI gave in-principle approval for Small Finance Bank transition. Auditor changed to Bilimoria Mehta & Co. Operating cash flow turned sharply negative at -₹307 cr. Deposits grew 23% to ₹2,379 cr. Capital adequacy strong at 84%.

Likely market impact

Profit slump and CEO arrest are negatives, but strong capital, deposit growth, and SFB transition approval are positives. Watch cash flow.