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Fino Payments Bank Limited (FINOPB) Fair Value & Analysis

Financial Services · IN · Market cap ₹12.2B

Price₹146.60
Fair Value₹81.95
Upside-44.1%
Quality97/100
Evidence: High Range ₹61.46 – ₹102.44

Fair value as of: Jun 29, 2026

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Analysis

Fino Payments Bank Limited (FINOPB) currently trades at ₹146.60, while our model-based Fair Value estimate is ₹81.95 — implying the stock looks roughly 44.1% overvalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Fino Payments Bank Limited provides financial solutions and services in India. It operates in four segments: Treasury, Corporate Banking/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance products, as well as fixed deposit and sweep account facility. It also provides open, internet, and BC banking, as well as mobile banking through the FinoPay app; merchant services; and unified payments interface, recharge, and bills payments. In addition, the company offers other banking operations, including business correspondent, digital payment, cash management, domestic money transfer, and micro ATM services, as well as Aadhaar enabled payment systems; and digital savings accounts. The company was formerly known as Fino Fintech Limited and changed its name to Fino Payments Bank Limited…

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Frequently asked questions

Is Fino Payments Bank Limited (FINOPB) undervalued?
As of Jun 29, 2026, our model estimates a fair value of ₹81.95 versus a price of ₹146.60 — about −44% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FINOPB?
Our 21-model fair value for Fino Payments Bank Limited is ₹81.95 (as of Jun 29, 2026), built from audited fundamentals. The current price is ₹146.60.
What is the quality score of FINOPB?
Fino Payments Bank Limited has a Quality Score of 97/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.