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Fino Payments Bank Limited Q2 FY26 results deck summary

NSE: FINOPB · BSE: 543386

Results deck of 29 Oct 2025, summarised by AI from the filing.

Q2 FY26 revenue ₹400.1 cr, down 12% YoY, EBITDA margin 15.4%; management hopeful of digital revival in Q3 FY26.

Key takeaways

  1. Revenue Q2'26 revenue ₹400.1 cr, down 12% YoY, largely impacted by drop in digital and transaction business.
  2. Guidance Management is hopeful of revival in digital payment services in Q3FY26 and better H2FY26 for CMS.
  3. Change EBITDA margin expanded to 15.4% in Q2'26 from 12.6% in Q2'25, driven by evolving product mix.
  4. Driver Customer ownership: average deposits up 36% YoY to ₹2,306 cr, CASA accounts opened 9.1 lakh, highest-ever for a quarter.
  5. Risk Traditional business impacted by regulatory changes for remittance and industry shift to UPI and alternate channels.

Original filing on BSE

Fino Payments Bank Limited Q1 FY27 results

As filed: Revenue ₹72.2 cr, EBITDA −₹248 cr, PAT −₹13.7 cr, EBITDA margin -343.9%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹64.1 cr, EBITDA −₹272 cr, PAT ₹7.1 cr, EBITDA margin -424.0%. Not scored. Bank result format: not scored yet. Share price after the results: −4.9% in 30 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹63.0 cr, EBITDA −₹314 cr, PAT ₹12.3 cr, EBITDA margin -498.7%. Not scored. Bank result format: not scored yet. Share price after the results: −11.7% in 29 days (Nifty 500: +0.1%).
  • Q2 FY26: Revenue ₹60.0 cr, EBITDA −₹319 cr, PAT ₹15.0 cr, EBITDA margin -531.6%. Not scored. Bank result format: not scored yet. Share price after the results: +6.2% in 30 days (Nifty 500: −0.1%).
  • Q1 FY26: Revenue ₹61.0 cr, EBITDA −₹367 cr, PAT ₹18.0 cr, EBITDA margin -602.4%. Not scored. Bank result format: not scored yet. Share price after the results: +8.1% in 30 days (Nifty 500: −2.5%).
  • Q4 FY25: Revenue ₹53.0 cr, EBITDA −₹411 cr, PAT ₹24.0 cr, EBITDA margin -774.9%. Not scored. Bank result format: not scored yet. Share price after the results: −6.5% in 30 days (Nifty 500: +3.1%).
  • Q3 FY25: Revenue ₹49.0 cr, EBITDA −₹384 cr, PAT ₹23.0 cr, EBITDA margin -783.7%. Not scored. Bank result format: not scored yet.
  • Q2 FY25: Revenue ₹48.0 cr, EBITDA −₹382 cr, PAT ₹21.0 cr, EBITDA margin -795.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Fino Payments Bank Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.