| Key Financial Ratios of Fino Payments Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
11.12 |
10.36 |
7.82 |
5.34 |
4.59 |
|
| Diluted EPS (Rs.) |
11.08 |
10.36 |
7.82 |
5.34 |
4.59 |
|
| Cash EPS (Rs.) |
18.59 |
16.78 |
12.85 |
9.40 |
16.61 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
89.75 |
77.29 |
66.40 |
57.66 |
33.77 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
89.75 |
77.29 |
66.40 |
57.66 |
33.77 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
23.46 |
18.03 |
11.40 |
4.28 |
4.54 |
|
| Net Profit/Share (Rs.) |
11.12 |
10.36 |
7.82 |
5.14 |
4.59 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
705,057.42 |
559,455.63 |
330,770.22 |
123,152.09 |
0.00 |
|
| Net Profit/ Employee (Rs.) |
334,180.93 |
321,491.42 |
226,942.12 |
147,738.68 |
0.00 |
|
| Business/ Employee (Rs.) |
7,004,711.81 |
5,266,998.14 |
3,198,269.87 |
1,731,531.28 |
0.00 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
25,354,597.40 |
19,486,493.51 |
12,320,116.88 |
8,482,833.33 |
0.00 |
|
| Net Profit/ Branches (Rs.) |
12,017,493.51 |
11,197,922.08 |
8,452,857.14 |
10,176,380.95 |
0.00 |
|
| Business/ Branches (Rs.) |
251,896,714.29 |
183,455,701.30 |
119,125,168.83 |
119,269,523.81 |
0.00 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
3.07 |
3.13 |
3.41 |
3.47 |
4.26 |
|
| CASA (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Net Profit Margin (%) |
47.39 |
57.46 |
68.61 |
119.96 |
101.08 |
|
| Operating Profit Margin (%) |
5.29 |
6.16 |
5.50 |
4.30 |
2.61 |
|
| Return on Assets (%) |
2.20 |
2.52 |
2.63 |
2.54 |
2.02 |
|
| Return on Equity / Networth (%) |
12.38 |
13.40 |
11.77 |
8.90 |
13.59 |
|
| Net Interest Margin (X) |
2.25 |
2.08 |
1.92 |
1.20 |
1.06 |
|
| Cost to Income (%) |
93.79 |
93.79 |
94.49 |
95.69 |
96.86 |
|
| Interest Income/Total Assets (%) |
4.64 |
4.38 |
3.84 |
2.12 |
2.00 |
|
| Non-Interest Income/Total Assets (%) |
39.27 |
38.85 |
46.02 |
57.93 |
76.29 |
|
| Operating Profit/Total Assets (%) |
-37.07 |
-36.32 |
-43.38 |
-55.38 |
-74.26 |
|
| Operating Expenses/Total Assets (%) |
38.94 |
38.39 |
45.30 |
56.59 |
74.92 |
|
| Interest Expenses/Total Assets (%) |
2.39 |
2.30 |
1.92 |
0.91 |
0.94 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
4,494.66 |
4,148.16 |
2,826.76 |
2,611.84 |
0.00 |
|
| EV Per Net Sales (X) |
23.02 |
27.65 |
29.80 |
73.31 |
0.00 |
|
| Price To Book Value (X) |
2.54 |
3.64 |
3.07 |
4.35 |
0.00 |
|
| Price To Sales (X) |
9.73 |
15.60 |
17.87 |
58.54 |
0.00 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.05 |
0.04 |
0.04 |
0.02 |
0.00 |
|
Source : Dion Global Solutions Limited
