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Fino Payments Bank Limited Q1 FY27 earnings call summary

NSE: FINOPB · BSE: 543386

Earnings call of 14 Aug 2026, summarised by AI from the filing.

Fino Payments Bank Q1 FY27 EBITDA fell to ₹43.1 cr from ₹56 cr in Q4 FY26, while net revenue margin expanded to 42.8%.

Key takeaways

  1. EBITDA ₹43.1 cr (Q4 FY26: ₹56 cr), lower on pausing of UPI P2M B2B business and digital acceleration.
  2. SFB readiness On track to submit readiness to RBI by end of Q4 FY27; SFB opex around ₹10 cr this year.
  3. Net revenue margin Expanded to 42.8%, up 275 bps sequentially and 925 bps year-on-year.
  4. Referral lending Disbursals ₹628 cr, up 214% year-on-year, nearly 50% of FY26 total.
  5. B2B pause Most profitable B2B business paused for recalibration; relaunch may take a couple of quarters.

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.