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Fino Payments Bank Ltd

NSE:FINOPBFinancial Services

₹131.42−2.00%At closeAt close · Mon 19 Oct · ≈ AED 5.08 · Market cap $116.92M · Next earnings Wed 4 Nov

INR billions	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	YoY
Net income	0.2	0.4	0.7	0.9	0.9	0.5	−43.3%
Depreciation & amortization	0.5	0.4	0.4	0.5	0.6	0.0	−100.0%
Stock-based compensation	0.0	0.0	0.1	0.0	0.1	0.0	−100.0%
Change in working capital	(1.2)	1.3	(1.4)	(0.9)	(6.3)	(0.2)	+96.2%
Operating cash flow	(0.3)	2.1	(0.2)	1.6	(4.5)	1.4	+131.9%
Capital expenditure	(0.7)	(0.6)	(0.9)	(1.0)	(1.6)	(1.4)	+13.2%
Acquisitions	0.0	0.0	(0.0)	0.0	0.0	0.0	—
Investing cash flow	(0.7)	(0.6)	(1.0)	(1.0)	(1.6)	(10.3)	−528.2%
Dividends paid	0.0	0.0	0.0	0.0	0.0	0.0	—
Share buybacks	0.0	0.0	0.0	0.0	0.0	0.0	—
Debt issued / repaid	0.7	0.7	1.8	2.8	1.3	7.0	+448.7%
Financing cash flow	0.7	6.1	6.0	7.7	6.5	11.4	+73.7%
Free cash flow	(1.0)	1.4	(1.1)	0.6	(6.2)	0.0	+100.1%
Net change in cash	(0.3)	5.0	0.7	2.3	0.4	0.0	−100.0%

INR billionsUpdated Tue 31 Mar ·

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Amounts are shown in the stated units; per-share amounts and shares are unscaled. Negative amounts are in brackets.