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Fino Payments Bank Ltd is a fintech company offering a diverse range of financial products and services that are digital and have a payments focus. It offers such products and services to the target market through a pan-India distribution network and proprietary technologies. The business of the Bank has been segregated into four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations.
2007
2.9K+
LTM Revenue $204M
LTM EBITDA n/a
$294M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Fino Payments Bank has a last 12-month revenue of $204M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Fino Payments Bank achieved revenue of $64.5M and an EBITDA of n/a.
Fino Payments Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Fino Payments Bank valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $51.9M | $64.5M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $5.0M | $7.6M | XXX | XXX | XXX |
| Net Margin | 10% | 12% | XXX | XXX | XXX |
| Net Debt | n/a | n/a | XXX | XXX | XXX |
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As of April 15, 2025, Fino Payments Bank's stock price is INR 209 (or $2).
Fino Payments Bank has current market cap of INR 17.4B (or $202M), and EV of INR 25.3B (or $294M).
See Fino Payments Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $294M | $202M | XXX | XXX | XXX | XXX | $0.13 |
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Sign UpAs of April 15, 2025, Fino Payments Bank has market cap of $202M and EV of $294M.
Fino Payments Bank's trades at 1.4x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Fino Payments Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Fino Payments Bank and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $294M | XXX | XXX | XXX |
| EV/Revenue | 1.8x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 19.0x | XXX | XXX | XXX |
| P/E/Growth | 0.9x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpFino Payments Bank's NTM/LTM revenue growth is 23%
Fino Payments Bank's revenue per employee for the last fiscal year averaged $23K, while opex per employee averaged $19K for the same period.
Over next 12 months, Fino Payments Bank's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Fino Payments Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Fino Payments Bank and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 24% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $23K | XXX | XXX | XXX | XXX |
| Opex per Employee | $19K | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 2% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 10% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 84% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| BMTX | XXX | XXX | XXX | XXX | XXX | XXX |
| Change Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| One97 Communications | XXX | XXX | XXX | XXX | XXX | XXX |
| NAGA Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Bank Jago | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Fino Payments Bank acquired XXX companies to date.
Last acquisition by Fino Payments Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . Fino Payments Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Fino Payments Bank founded? | Fino Payments Bank was founded in 2007. |
| Where is Fino Payments Bank headquartered? | Fino Payments Bank is headquartered in India. |
| How many employees does Fino Payments Bank have? | As of today, Fino Payments Bank has 2.9K+ employees. |
| Is Fino Payments Bank publicy listed? | Yes, Fino Payments Bank is a public company listed on BOM. |
| What is the stock symbol of Fino Payments Bank? | Fino Payments Bank trades under 543386 ticker. |
| When did Fino Payments Bank go public? | Fino Payments Bank went public in 2021. |
| Who are competitors of Fino Payments Bank? | Similar companies to Fino Payments Bank include e.g. BMTX, Change Financial, One97 Communications, NAGA Group. |
| What is the current market cap of Fino Payments Bank? | Fino Payments Bank's current market cap is $202M |
| What is the current revenue of Fino Payments Bank? | Fino Payments Bank's last 12-month revenue is $204M. |
| What is the current EV/Revenue multiple of Fino Payments Bank? | Current revenue multiple of Fino Payments Bank is 1.4x. |
| What is the current revenue growth of Fino Payments Bank? | Fino Payments Bank revenue growth between 2023 and 2024 was 24%. |
| Is Fino Payments Bank profitable? | Yes, Fino Payments Bank is EBITDA-positive (as of the last 12 months). |
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