Fino Payments Bank Ltd Q4 FY26 Results

Summary

Fino Payments Bank Limited reported a challenging financial performance for both the fourth quarter and the full fiscal year ended March 31, 2026. The bank's Total Income for FY26 saw a 14.03% decline to ₹1,587.93 crores, with Net Profit after tax decreasing significantly by 43.30% to ₹52.46 crores. The fourth quarter results were particularly impacted, with Total Income dropping 31.09% year-over-year to ₹339.98 crores and Net Profit after tax plummeting by 70.42% to ₹7.10 crores. Despite these declines, the bank maintained a strong Capital Adequacy Ratio of 83.95% and saw an increase in deposits, which rose to ₹2,379.49 crores.

Key Highlights

1. 1

   Total Income for Fino Payments Bank Limited for the financial year ended March 31, 2026, declined by 14.03% to ₹1,587.93 crores, from ₹1,847.10 crores in the prior fiscal year.

2. 2

   Net Profit after tax for FY26 significantly decreased by 43.30% to ₹52.46 crores, resulting in a Net Profit Margin of 3.30%, down from 5.01% in FY25.

3. 3

   In Q4 FY26, Total Income was ₹339.98 crores, marking a substantial 31.09% year-over-year decline from ₹493.49 crores in Q4 FY25.

4. 4

   Q4 FY26 Net Profit after tax plummeted by 70.42% to ₹7.10 crores, with the Net Profit Margin contracting to 2.09% from 4.86% in Q4 FY25.

5. 5

   The Capital Adequacy Ratio remained robust at 83.95% for FY26, consistent with the ratio for Q4 FY26, indicating strong capital health.

6. 6

   The Bank's Deposits saw a healthy increase, reaching ₹2,379.49 crores as of March 31, 2026, up from ₹1,939.44 crores at the end of the previous fiscal year.

7. 7

   Basic Earnings Per Share (EPS) for FY26 was ₹6.30, a notable decrease from ₹11.12 in FY25, reflecting the overall profit decline.