Fino Payments Bank Limited Net Assets
Fino Payments Bank Limited net assets. Based on the latest financial reports, Fino Payments Bank Limited (FINOPB) has net assets worth Rs7.47 Billion INR (≈ $80.77 Million USD) as of March 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs42.06 Billion ≈ $454.86 Million USD) and total liabilities (Rs34.59 Billion ≈ $374.08 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Fino Payments Bank Limited net asset momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs7.47 Billion |
| % of Total Assets | 17.76% |
| Annual Growth Rate | 4.8% |
| 5-Year Change | 396.11% |
| 10-Year Change | N/A |
| Growth Volatility | 83.51 |
Net Assets of Fino Payments Bank Limited (2018–2025)
Net assets of Fino Payments Bank Limited from 2018 to 2025. This chart illustrates how Fino Payments Bank Limited's net assets have evolved over time, based on quarterly financial data. See net asset quality index of Fino Payments Bank Limited to measure how much of total assets are equity-financed.
Annual Net Assets for Fino Payments Bank Limited (2018–2025)
The table below shows the annual net assets of Fino Payments Bank Limited from 2018 to 2025. For live market cap and overall valuation, see Fino Payments Bank Limited (FINOPB) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs7.47 Billion ≈ $80.77 Million |
+16.13% |
| 2024-03-31 | Rs6.43 Billion ≈ $69.56 Million |
+16.40% |
| 2023-03-31 | Rs5.53 Billion ≈ $59.76 Million |
+15.15% |
| 2022-03-31 | Rs4.80 Billion ≈ $51.89 Million |
+218.73% |
| 2021-03-31 | Rs1.51 Billion ≈ $16.28 Million |
+15.74% |
| 2020-03-31 | Rs1.30 Billion ≈ $14.07 Million |
-19.76% |
| 2019-03-31 | Rs1.62 Billion ≈ $17.53 Million |
-69.86% |
| 2018-03-31 | Rs5.38 Billion ≈ $58.17 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Fino Payments Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 89130600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Fino Payments Bank Limited Net Assets Breakdown (March 2025)
Fino Payments Bank Limited net assets breakdown by equity component as of March 2025.
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Rs832.20 Million | 11.14% |
| Other Comprehensive Income | Rs1.50 Billion | 20.05% |
| Other Components | Rs6.49 Billion | 86.94% |
| Total Equity | Rs7.47 Billion | 100.00% |
Fino Payments Bank Limited Competitors by Market Cap
The table below lists competitors of Fino Payments Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sinclair Gold Ltd
AU:SGC
|
$110.35 Million |
|
Mirae Corporation
KO:025560
|
$110.37 Million |
|
Orthocell Ltd
AU:OCC
|
$110.38 Million |
|
Affluent Medical SAS
PA:AFME
|
$110.43 Million |
|
Molson Coors Beverage Company
NYSE:TAP-A
|
$110.21 Million |
|
Triple i Logistics Public Company Limited
BK:III
|
$110.19 Million |
|
Ag Growth International Inc
TO:AFN
|
$110.16 Million |
|
GREEN CROSS WellBeing Corporation
KQ:234690
|
$110.15 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Fino Payments Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,431,688,000 to 7,468,800,000, a change of 1,037,112,000 (16.1%).
- Net income of 925,347,000 contributed positively to equity growth.
- New share issuances of 900,000 increased equity.
- Other comprehensive income decreased equity by 4,102,048,000.
- Other factors increased equity by 4,212,913,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs925.35 Million | +12.39% |
| Share Issuances | Rs900.00K | +0.01% |
| Other Comprehensive Income | Rs-4.10 Billion | -54.92% |
| Other Changes | Rs4.21 Billion | +56.41% |
| Total Change | Rs- | 16.13% |
Book Value vs Market Value Analysis
This analysis compares Fino Payments Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.37x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.92x to 1.37x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-03-31 | Rs31.26 | Rs122.60 | x |
| 2019-03-31 | Rs20.78 | Rs122.60 | x |
| 2020-03-31 | Rs16.67 | Rs122.60 | x |
| 2021-03-31 | Rs19.35 | Rs122.60 | x |
| 2022-03-31 | Rs59.97 | Rs122.60 | x |
| 2023-03-31 | Rs66.40 | Rs122.60 | x |
| 2024-03-31 | Rs77.24 | Rs122.60 | x |
| 2025-03-31 | Rs89.43 | Rs122.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Fino Payments Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.39%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.89%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 5.63x
- Recent ROE (12.39%) is above the historical average (-4.13%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | -30.00% | -28.48% | 0.44x | 2.40x | Rs-897.92 Million |
| 2019 | -38.48% | -31.93% | 0.29x | 4.22x | Rs-785.95 Million |
| 2020 | -24.63% | -12.66% | 0.41x | 4.80x | Rs-450.43 Million |
| 2021 | 13.60% | 6.24% | 0.32x | 6.71x | Rs54.20 Million |
| 2022 | 8.91% | 10.86% | 0.23x | 3.50x | Rs-52.42 Million |
| 2023 | 11.78% | 13.16% | 0.20x | 4.46x | Rs98.33 Million |
| 2024 | 13.41% | 13.59% | 0.19x | 5.32x | Rs219.07 Million |
| 2025 | 12.39% | 11.89% | 0.19x | 5.63x | Rs178.47 Million |
Industry Comparison
This section compares Fino Payments Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $148,690,177,427
- Average return on equity (ROE) among peers: 4.23%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Fino Payments Bank Limited (FINOPB) | Rs7.47 Billion | -30.00% | 4.63x | $110.34 Million |
| AU Small Finance Bank Limited (AUBANK) | $10.01 Billion | 24.70% | 5.27x | $7.55 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $151.95 Billion | 19.90% | 5.04x | $2.87 Billion |
| Bank of Baroda (BANKBARODA) | $286.07 Billion | 18.35% | 14.99x | $14.00 Billion |
| Bank of India (BANKINDIA) | $605.89 Billion | 6.33% | 12.63x | $6.82 Billion |
| Canara Bank (CANBK) | $76.02 Billion | 18.15% | 16.60x | $12.06 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $2.50 Billion | 7.76% | 16.26x | $132.65 Million |
| Central Bank of India (CENTRALBK) | $324.51 Billion | 8.22% | 12.80x | $3.00 Billion |
| CSB Bank Limited (CSBBANK) | $7.70 Billion | 3.49% | 18.89x | $547.56 Million |
| City Union Bank Limited (CUB) | $20.25 Billion | 17.14% | 11.34x | $1.76 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $702.93 Million |
About Fino Payments Bank Limited
Fino Payments Bank Limited provides financial solutions and services in India. It operates in four segments: Treasury, Corporate Banking/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance … Read more