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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 $149M
Last FY EBITDA n/a
$331M
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 (LTM) of $149M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Fino Payments Bank achieved revenue of $205M 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| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $149M | XXX | $205M | XXX | XXX | XXX |
| Gross Profit | $149M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $20.4M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 14% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $10.6M | XXX | $10.8M | XXX | XXX | XXX |
| Net Margin | 7% | XXX | 5% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | n/a | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
As of May 30, 2025, Fino Payments Bank's stock price is INR 239 (or $3).
Fino Payments Bank has current market cap of INR 19.9B (or $233M), and EV of INR 28.3B (or $331M).
See Fino Payments Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $331M | $233M | XXX | XXX | XXX | XXX | $0.14 |
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Start Free TrialAs of May 30, 2025, Fino Payments Bank has market cap of $233M and EV of $331M.
Fino Payments Bank's trades at 2.0x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Fino Payments Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Fino Payments Bank has a P/E ratio of 22.0x.
See valuation multiples for Fino Payments Bank and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $233M | XXX | $233M | XXX | XXX | XXX |
| EV (current) | $331M | XXX | $331M | XXX | XXX | XXX |
| EV/Revenue | 2.2x | XXX | 2.0x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 16.3x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 2.2x | XXX | n/a | XXX | XXX | XXX |
| P/E | 22.0x | XXX | 21.9x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | -36.2x | 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.
Start Free TrialFino Payments Bank's last 12 month revenue growth is 22%
Fino Payments Bank's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged $0.1M for the same period.
Fino Payments Bank's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Fino Payments Bank's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Fino Payments Bank and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 22% | XXX | 9% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 94% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
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 |
Sign up to see revenue and EBITDA valuation multiples for 60K+ M&A deals.
Start Free Trial| 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 $233M |
| What is the current revenue of Fino Payments Bank? | Fino Payments Bank's last 12 months revenue is $149M. |
| What is the current revenue growth of Fino Payments Bank? | Fino Payments Bank revenue growth (NTM/LTM) is 22%. |
| What is the current EV/Revenue multiple of Fino Payments Bank? | Current revenue multiple of Fino Payments Bank is 2.2x. |
| Is Fino Payments Bank profitable? | Yes, Fino Payments Bank is EBITDA-positive (as of the last 12 months). |
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