Quarterly results · FINOPB
FINO PAYMENTS BANK LTD reported revenue of ₹272 cr and net profit of -₹13.72 cr in Q1 FY27 (quarter ended 30 Jun 2026), -177.3% year on year. Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated automatically from exchange filings.
| Quarter | Q1 FY27 |
|---|---|
| Quarter ended | 30 Jun 2026 |
| Revenue | ₹272 cr |
| Revenue YoY | -36.1% |
| Operating profit | — |
| Operating margin | — |
| Net profit | -₹13.72 cr |
| Net profit YoY | -177.3% |
| Net profit QoQ | -293.2% |
| Net margin | -5.1% |
| Basic EPS | ₹-1.65 |
| TTM revenue | ₹1,373 cr |
| TTM net profit | ₹29.59 cr |
| TTM net margin | 2.2% |
FINO PAYMENTS BANK LTD (FINOPB) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹272 cr and a net profit of -₹13.72 cr, translating into earnings per share of ₹-1.65.
Compared with the same quarter a year earlier, revenue declined strongly by -36.1% and net profit declined sharply by -177.3%. Profit trailing revenue growth suggests costs, interest or tax absorbed part of the topline gain.
Revenue
₹272 cr
-36.1% YoY
Net profit
-₹13.72 cr
-177.3% YoY
Operating profit
—
— YoY
EPS
₹-1.65
-177.5% YoY
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q1 FY272026-06-30 | ₹272 cr | — | -₹13.72 cr | — | -5.1% | ₹-1.65 | -177.3% | -293.2% |
| Q4 FY262026-03-31 | ₹311 cr | — | ₹7.1 cr | — | 2.3% | ₹0.85 | -70.4% | -61.5% |
| Q3 FY262025-12-31 | ₹365 cr | — | ₹18.45 cr | — | 5.1% | ₹1.47 | — | +3.9% |
| Q1 FY262025-06-30 | ₹425 cr | — | ₹17.76 cr | — | 4.2% | ₹2.13 | — | -26.0% |
| Q4 FY252025-03-31 | ₹468 cr | — | ₹24 cr | — | 5.1% | ₹2.89 | — | — |
| TTM (last 4 quarters) | ₹1,373 cr | — | ₹29.59 cr | — | 2.2% | ₹2.80 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 | Q4 FY252025-03-31 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹272 cr | ₹311 cr | ₹365 cr | ₹425 cr | ₹468 cr |
| Interest cost | ₹35.33 cr | ₹28.88 cr | ₹29.41 cr | ₹28.37 cr | ₹25.99 cr |
| Profit before tax | -₹13.72 cr | ₹4.1 cr | ₹23.65 cr | ₹24.63 cr | ₹29.7 cr |
| Tax expense | ₹0 cr | -₹3 cr | ₹5.2 cr | ₹6.87 cr | ₹5.7 cr |
| Effective tax rate | 0.0% | -73.2% | 22.0% | 27.9% | 19.2% |
| Net profit (PAT) | -₹13.72 cr | ₹7.1 cr | ₹18.45 cr | ₹17.76 cr | ₹24 cr |
| Net profit margin | -5.1% | 2.3% | 5.1% | 4.2% | 5.1% |
| Basic EPS | ₹-1.65 | ₹0.85 | ₹1.47 | ₹2.13 | ₹2.89 |
| Diluted EPS | ₹-1.65 | ₹0.85 | ₹1.47 | ₹2.13 | ₹2.88 |
| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 | Q4 FY25 |
|---|---|---|---|---|---|
| Revenue YoY | -36.1% | -33.5% | — | — | — |
| Revenue QoQ | -12.7% | -14.8% | -14.1% | -9.1% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | -177.3% | -70.4% | — | — | — |
| Net profit QoQ | -293.2% | -61.5% | +3.9% | -26.0% | — |
| EPS YoY | -177.5% | -70.6% | — | — | — |
| EPS QoQ | -294.1% | -42.2% | -31.0% | -26.3% | — |
Full-year performance for FINO PAYMENTS BANK LTD, useful for reading each quarter in context.
| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
|---|---|---|---|---|
| Revenue / Sales | ₹695 cr | ₹678 cr | ₹556 cr | ₹447 cr |
| Interest cost | ₹114 cr | ₹101 cr | ₹78.9 cr | ₹47.37 cr |
| Profit before tax | ₹67.41 cr | ₹108 cr | ₹86.3 cr | ₹65.09 cr |
| Tax expense | ₹14.95 cr | ₹15.82 cr | ₹0.08 cr | ₹0 cr |
| Effective tax rate | 22.2% | 14.6% | 0.1% | 0.0% |
| Net profit (PAT) | ₹52.46 cr | ₹92.53 cr | ₹86.22 cr | ₹65.09 cr |
| Net profit margin | 7.5% | 13.7% | 15.5% | 14.6% |
| Basic EPS | ₹6.30 | ₹11.12 | ₹10.36 | ₹7.82 |
| Diluted EPS | ₹6.29 | ₹11.08 | ₹10.36 | ₹7.82 |
Topline for Q1 FY27 came in at ₹272 cr against ₹425 cr in Q1 FY26, and ₹311 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue declined -12.7%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Net profit of -₹13.72 cr works out to a net margin of -5.1% compared with 4.2% in the year-ago quarter. Margin pressure of this kind usually reflects higher input costs, pricing competition, or a heavier interest and depreciation load.
Below the operating line, FINO PAYMENTS BANK LTD reported profit before tax of -₹13.72 cr, a tax charge of ₹0 cr (effective rate 0.0%), interest cost of ₹35.33 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹7.1 cr in Q4 FY26 to -₹13.72 cr in Q1 FY27, a change of -293.2%.
Across the trailing four quarters FINO PAYMENTS BANK LTD has generated revenue of ₹1,373 cr and net profit of ₹29.59 cr, a trailing net margin of 2.2%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹695 cr with net profit of ₹52.46 cr and EPS of ₹6.30, versus the prior year where revenue grew +2.6% and profit declined -43.3%.
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A single weak quarter matters less than the direction over three to four consecutive quarters.
FINO PAYMENTS BANK LTD has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
No results report published for FINOPB yet — our desk covers each quarter within minutes of the filing.
Fino Payments Bank (FINOPB) trades at ₹139.65, +2.01 (+1.44%). We read the exchange board, the volume against its own average, and what a shareholder should actually do with this information.
Fino Payments Bank (FINOPB) trades at ₹139.65, +2.01 (+1.44%) as the in-focus story plays out. Live board, day range, twelve-month context and the follow-up that decides the next session.
In Q1 FY27 (quarter ended 30 Jun 2026), FINO PAYMENTS BANK LTD reported revenue of ₹272 cr and net profit of -₹13.72 cr, a change of -177.3% year on year on -36.1% revenue growth. EPS stood at ₹-1.65.
FINO PAYMENTS BANK LTD posted a net profit margin of -5.1% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹1,373 cr and net profit ₹29.59 cr.
FINO PAYMENTS BANK LTD net profit changed -293.2% quarter on quarter, from ₹7.1 cr in Q4 FY26 to -₹13.72 cr in Q1 FY27.
FINO PAYMENTS BANK LTD has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Results coverage for FINOPB will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the FINOPB stock page.
For FY26, FINO PAYMENTS BANK LTD reported full-year revenue of ₹695 cr and net profit of ₹52.46 cr, with EPS of ₹6.30.
Past results dates for FINOPB will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 10 Sept 2026. For information only, not investment advice.
