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Unlisted Shares
Fino Paytech Essentials
As of July 27, 2024, Fino Paytech, Unlisted Shares are trading at ₹142.00 per share, with a 52-week high of ₹170 and 52-week low of ₹125. The minimun lot size is 1400 shares, and the shares are traded on NSDL and CDSL.
ISIN
An International Securities Identification Number (ISIN) is a code that uniquely identifies a specific securities issue. The numbers are allocated by a country's respective national numbering agency (NNA).
Face Value
Value of a security, as stated by its issuer. It has no relation with market price of the stock.
Total Share
Total shares or total number of shares outstanding represents the amount of stock on the open market, including shares held by institutional investors and restricted shares held by insiders and company officers.
Total Income
Gross income refers to the total income earned by an individual on a pay check before taxes and other deductions. It comprises all incomes received by an individual from all sources – including wages, rental income, interest income, and dividends.
Profit After Tax
It is the final profit left over after subtracting all operating and non operating items from net revenue.
EPS
It is the profit allocated to each outstanding share of common stock.
P/E
It is a valuation parameter that measures the company's current share price relative to its per-share earnings. Generally, high P/E is Overvalued & low P/E is Undervalued.
P/B
It shows the relationship between the current price and the book value of each share. A lower P/B ratio can mean that the stock is undervalued.
Market Capitalisation
Market capitalization is the aggregate valuation of the company based on its current share price and the total number of outstanding shares.
Enterprise Value
It measures companys total value, which includes market capitalization, debt and excludes cash.
Book Value
It calculates the per share value of a company based on its equity available to common shareholders
Intrinsic Value
Intrinsic value is the anticipated value of a company or stock determined through fundamental analysis. It is also referred to as the price a rational investor is willing to pay for an investment, given its level of risk.
Earnings Yield
Sector
A sector is an area in which businesses share the same or a related product or service. It can also be known as an industry or market that shares common operating characteristics
Sub-sector
Subsectors are the divisions of a sector. They are areas that vary from the rest of the sector substantially enough to justify creating a plan just for the subsector.
Category
Category is defined as a class or division of things regarded as having particular shared characteristics.
Cashflow - Operations
It indicates the amount of money a company brings in from its ongoing and regular operations over a fixed period of time.
Cashflow - Financing
It shows the net flows of cash that are used to fund the company, which include transactions involving debt, equity, and dividends.
Fino Paytech Growth
Compounded Sales Growth
1 Year
4 Year
6 Year
Return On Equity
2018
2020
2023
Highlights
- Financials:- Over the past five years, the company has experienced a Compound Annual Growth Rate (CAGR) of 26.13% in revenue. In FY23, the revenue increased by 14.85% from ~Rs. 1000 Cr. to Rs. 1149 Cr. At first look, the company seems to register first-time profitability with Rs. 50.11 Cr. in profits. However, the same is due to one-off items and if we remove the same the company is still in losses.
- Strong Assets side:- Over a period of five years, the company's assets grew at a CAGR of 17.08% to reach Rs. 2,620.12 Cr. However, in FY23, the growth of assets was just 2.58%.
- Low but Improving Profitability:- In FY23, the company's ROE improved to 5.3% from -7.4% in FY22, while the ROCE increased to -2.5% from -9.0%.
- Adequate Short-term Liquidity:- In FY23, the company had a current ratio of 1.44 and a quick ratio of 1.40. These ratios indicate sufficient liquid assets to meet short-term liabilities.
- Decreasing Debt Burden:- In the financial year 2023, Company's debt-to-equity ratio decreased to 0.43x from 0.47x in FY22. Furthermore, the interest coverage ratio showed an improvement, though it still remained negative at -0.47x from the previous year's negative ratio of -2.37x. (A negative interest coverage ratio indicates that the company's current revenue is insufficient to pay off its existing debt.)
- Prominent Investors:- The company is supported by strong institutions such as Blackstone GPV Capital Partners (Mauritius) VI-B FDI Limited, ICICI Prudential Life Insurance Company Limited, Bharat Petroleum Corporation Limited, ICICI Bank Limited, and ICICI Lombard General Insurance Company Limited.
- Investment thesis:- When compared to its peer, the company earns twice the revenue but has only half the net profit margin, indicating low operational efficiency. On the valuation front, the company is trading at a P/E ratio of 50.2x, compared to its peers P/E ratio of 21.8x. Additionally, the company's P/B ratio is 1.4x, while its peers P/B ratio is 3.8x. Furthermore, the company's EV/EBITDA ratio is 45.5x, compared to the peer's 43.4x, making the company overvalued when compared to its peer. We recommend tracking the company's performance for a little longer.
Business Rating
Managment
Accounting Practice
Profatibility
Solvency
Growth
Valuation
Overall Ratings
Recommendation
Our Team
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Quantity
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, Min. Investment: ₹