Fino Payments Bank Quarterly Results

Pros & Cons

POSITIVES

Strong revenue growth indicates increasing customer acquisition and engagement.
Improved profitability margins reflect effective cost management strategies.
Expansion in service offerings may attract a broader customer base and enhance revenue streams.

NEGATIVES

Rising non-performing assets could signal potential risks in loan recovery.
High operational costs may impact overall profitability if not controlled.
Intense competition in the banking sector could pressure margins and market share.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	36.53	39.15	41.40	45.33	47.75	49.35	52.78	60.99
Expenses	338.50	347.40	376.01	412.59	429.48	432.89	463.79	428.84
Financing Profit	-301.97	-308.25	-334.61	-367.26	-381.73	-383.54	-411.01	-367.85
Other Income	322.05	331.05	359.90	391.53	407.66	411.99	440.71	392.48
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	19.52	22.80	25.29	24.27	25.93	28.45	29.70	24.63
Tax	0	0	0.08	0	4.78	5.34	5.70	6.87
Net Profit	19.52	22.80	25.21	24.27	21.15	23.11	24	17.76
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0