Fino Payments Bank Limited Q2 FY26 earnings call summary

Earnings call of 30 Oct 2025, summarised by AI from the filing.

Fino Payments Bank Q2 FY26 revenue ₹400 cr, down 12% Y-o-Y, but EBITDA margin improved to 15.4%; expects H2 profitability better than H1.

Key takeaways

1. Revenue Q2 FY26 revenue ₹400 cr, down 12% Y-o-Y, due to regulatory and ecosystem challenges.
2. Guidance Management expects H2 FY26 profitability better than H1, with digital throughput recovery.
3. Margin EBITDA margin improved to 15.4% in Q2 FY26, up 2.8% Y-o-Y, on better mix.
4. CASA CASA revenue grew 21% Y-o-Y to ₹159.4 cr, now 40% of total revenue.
5. Risk Regulatory tightening and ecosystem challenges continue to impact digital payments throughput.

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

• Q1 FY27: Earnings call (14 Aug 2026), Results deck (13 Aug 2026), Results press release (13 Aug 2026)
• Q4 FY26: Earnings call (30 Apr 2026), Results deck (29 Apr 2026), Results press release (29 Apr 2026)
• Q3 FY26: Earnings call (30 Jan 2026), Results deck (29 Jan 2026), Results press release (29 Jan 2026)
• Q2 FY26: Earnings call (30 Oct 2025), Results deck (29 Oct 2025), Results press release (29 Oct 2025)
• Q1 FY26: Earnings call (31 Jul 2025), Results deck (30 Jul 2025), Results press release (30 Jul 2025)
• Q4 FY25: Earnings call (29 Apr 2025), Results deck (28 Apr 2025), Results press release (28 Apr 2025)
• Other events: Special call (2 Mar 2026)