| P&L Statement | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1149 | 1339 | 1654 |
| Cost of Material Consumed | 185 | 171 | 1115 |
| Change in Inventory | 3 | 10 | -0.7 |
| Gross Margins | 83.64 | 86.48 | 32.63 |
| Employee Benefit Expenses | 171 | 184 | 214 |
| Other Expenses | 766 | 904 | 244 |
| EBITDA | 24 | 70 | 81.7 |
| OPM | 2.09 | 5.23 | 4.94 |
| Other Income | 142 | 158 | 211 |
| Finance Cost | 54 | 86 | 105 |
| D&A | 50 | 63 | 73 |
| EBIT | -26 | 7 | 8.7 |
| EBIT Margins | -2.26 | 0.52 | 115 |
| PBT | 62 | 80 | 0.53 |
| PBT Margins | 5.4 | 5.97 | 6.95 |
| Tax | 12 | -1 | 18 |
| PAT | 50 | 81 | 97 |
| NPM | 4.35 | 6.05 | 5.86 |
| EPS | 4.79 | 7.75 | 9.28 |
| Financial Ratios | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Profit Margin | 2.09 | 5.23 | 4.94 |
| Net Profit Margin | 4.35 | 6.05 | 5.86 |
| Earning Per Share (Diluted) | 4.79 | 7.75 | 9.28 |
| Assets | 2023 | 2024 | 2025 |
|---|---|---|---|
| Fixed Assets | 125 | 154 | 172 |
| CWIP | 26 | 47 | 130 |
| Investments | 1146 | 1747 | 2389 |
| Trade Receivables | 72 | 77 | 68 |
| Inventory | 42 | 32 | 33 |
| Other Assets | 1209 | 1530 | 1566 |
| Total Assets | 2620 | 3587 | 4358 |
| Liabilities | 2023 | 2024 | 2025 |
|---|---|---|---|
| Share Capital | 104.39 | 104.56 | 104.56 |
| FV | 10 | 10 | 10 |
| Reserves | 533 | 621 | 727.44 |
| Borrowings | 455 | 733 | 839 |
| Trade Payables | 23 | 16 | 11 |
| Other Liabilities | 1504.61 | 2112.44 | 2676 |
| Total Liabilities | 2620 | 3587 | 4358 |
| Cash-Flow Statement | 2023 | 2024 | 2025 |
|---|---|---|---|
| PBT | 62 | 79 | 115 |
| OPBWC | 2 | 53 | 59 |
| Change in Receivables | -2 | -8 | 8.26 |
| Change in Inventories | 3 | 10 | -0.79 |
| Change in Payables | -20 | -6 | 5.48 |
| Other Changes | 402 | 518 | 534.05 |
| Working Capital Change | 383 | 514 | 547 |
| Cash Generated From Operations | 385 | 567 | 606 |
| Tax | 3 | 28 | -10 |
| Cash Flow From Operations | 388 | 595 | 596 |
| Purchase of PPE | -87 | -88 | -138 |
| Sale of PPE | 0 | 0 | 0 |
| Cash Flow From Investment | -539 | -574 | -863 |
| Borrowing | -0.36 | 278 | 107 |
| Dividend | -502 | 0 | 0 |
| Equity | 0.22 | 0.72 | 0.11 |
| Others From Financing | -4 | -64.72 | -74.11 |
| Cash Flow from Financing | -506.14 | 214 | 33 |
| Net Cash Generated | -657.14 | 235 | -234 |
| Cash at the Start | 1057 | 399 | 634 |
| Cash at the End | 399.86 | 634 | 400 |
Fino Paytech Limited is a leading fintech solutions provider in India, specializing in enabling last-mile digital banking and financial services. Established with a mission to drive financial inclusion, the company has built a robust network that connects underserved and unbanked populations to essential financial products. Fino Paytech operates through its subsidiary, Fino Payments Bank, and leverages technology-driven platforms to deliver services such as savings accounts, remittances, insurance, micro-loans, and utility payments. Its extensive network of merchant points, biometric devices, and digital kiosks empowers millions of customers, especially in rural and semi-urban regions, to access secure and affordable financial solutions.
Over the years, Fino Paytech has expanded its service offerings by integrating digital innovation, customer analytics, and a scalable tech infrastructure. The company’s platform supports real-time transactions, Aadhaar-enabled services, and paperless onboarding, enhancing its reach and operational efficiency. Through strategic partnerships with banks, financial institutions, government bodies, and corporate entities, Fino Paytech has strengthened its role as an important enabler in India’s digital payments ecosystem. Its focus on low-cost delivery, high-volume transactions, and seamless customer experiences positions it strongly in the competitive fintech landscape. Additionally, initiatives in merchant onboarding, micro-ATM deployments, and doorstep banking services further enhance its footprint across India.
Fino Paytech Limited’s unlisted shares attract investor interest due to the company’s strong business fundamentals, expanding digital network, and role in India’s fast-growing fintech and financial inclusion sectors. While unlisted investments come with considerations such as reduced liquidity and limited public disclosures, Fino Paytech’s steady revenue streams, growing customer base, and technology-led operations make it a compelling long-term opportunity. The company’s alignment with national initiatives like Digital India and financial inclusion enhances its growth prospects. Investors view Fino Paytech as a strong contender for long-term value creation, especially as digital transactions, rural banking penetration, and tech-enabled financial services continue to rise in India.
Q:1 How can I book Fino Paytech Limited Unlisted Shares?
Answer: You can book Fino Paytech Limited Unlisted Shares by confirming your order with us at the trading price.
Q:2 What documents do I need to provide for purchasing Fino Paytech Limited Unlisted Shares?Answer: You need to provide your client master report, PAN Card, and a Cancelled Cheque.These are required KYC documents as per SEBI regulations.
Q:3 What should I do if I don't have a client master report?
Answer: If you do not have a client master report, you can ask your broker to provide it for you.
Q:4 How do I transfer funds for purchasing the shares?Answer: You will need to transfer funds to the bank account details we provide.The payment can be made via RTGS, NEFT, IMPS, or cheque transfer.
Q:5 Can I make the payment in cash?
Answer: No, cash deposits are not allowed.Payments must be made through RTGS, NEFT, IMPS, or cheque transfer.
Q:6 From which account should I make the payment?
Answer: The payment must be made from the same bank account where the shares will be credited.
Q:7 Will you provide the bank details for the fund transfer?
Answer: Yes, we will provide you with the bank details necessary for the fund transfer.
Q:8 Are there any specific regulations I need to be aware of when purchasing shares?Answer: Yes, you must comply with SEBI regulations, which include providing the necessary KYC documents such as your client master report, PAN Card, and Cancelled Cheque.