RATING

RECOMMENDATION

Buy

  • ROFR Required
  • Available in Depository:

  • NSDL

  • CDSL

  • Available for Investment:

  • Primary

  • Secondary

RATING

RECOMMENDATION

Buy

Business Type

Dominant Leader

RATING

RECOMMENDATION

Buy

Business Type

Dominant Leader

Fino Paytech Profit and Loss

  • Total Revenue

    Over the last 3 years, revenue has grown at a yearly rate of 31.7%. The company was able to maintain its revenue in FY'21 at par with FY'20 showing a minute increase of less than 1% which was possible due to increase in enrollment and other services income.

  • Net Income

    Over the last 3 years, net income has grown at a yearly rate of -33.0%. This is because even though the company has had an increase in revenue in FY'21, they have also increased their provision for loan loss expenses as well as depreciation expenses.

Financial Year

Total Revenue
COGS
Gross Profit
Raw Materials
Power & Fuel Cost
Employee Cost
Sales & Administrative Expenses
Operating & Other Expenses
EBITDA
Depreciation/ Amortization
PBIT
Interest & Income
Interest & Expense
Other Items
PBT
Taxes & Other Items
Net Income
Diluted EPS
Basic EPS
DPS
Payout Ratio
FY 2018

37,694.02

-

37,694.02

10,500.94

-

15,626.29

1.69

20,972.4

-9,407.3

2,722.48

-12,129.78

-

5,475.7

-

-17,605.48

-884.67

-16,720.81

-13.07

-13.26

-

-

FY 2019

54,739.1

-

54,739.1

11,880.45

-

17,302.44

-

21,932.16

3,624.05

2,456.17

1,167.88

-

6,562.96

-

-5,395.08

1,937.63

-7,332.71

-5.75

-5.75

-

-

FY 2020

85,291.29

-

85,291.29

14,721.55

-

17,045.78

-

46,139.05

7,384.91

3,730.12

3,654.79

-

5,640.52

-

-1,985.73

113.91

-2,099.64

-1.66

-1.66

-

-

FY 2021

86,037.22

-

86,037.22

14,054.17

-

14,562.9

-

51,807.92

5,612.23

6,631.64

-1,019.41

-

3,957.24

-

-4,976.65

63.53

-5,040.18

-3.94

-3.94

-

-

EPS and DPS in ₹. Other numbers except Payout Ratio in ₹ L

* denotes current year's data

  • Fino Paytech Annual Reports

2019

2020

2021

Fino Payment Bank DRHP