FINOPB Fino Payments Bank Q1 FY27 results (Apr–Jun 2026) and concall
Fino Payments Bank navigated a challenging Q1 FY27, marked by the temporary pause of its profitable B2B UPI P2M business. Despite this, the bank demonstrated resilience with significant expansion in net revenue margin to 42.8% and robust growth in referral loan disbursements, up 214% YoY to INR 628 crores. Progress on the Small Finance Bank (SFB) transition remains on track, with key technology and leadership milestones targeted for completion by FY27, while maintaining a strong liability franchise and digital customer engagement.
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What they filed
Q1 FY27: revenue up 18.0%, net profit down 177.8% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 48 | 49 | 53 | 61 | 60 +25% | 63 +29% | 64 +21% | 72 +18% |
| EBITDA | -357 | -358 | -385 | -339 | -291 +18% | -281 +22% | -242 +37% | -213 +37% |
| Net profit | 21 | 23 | 24 | 18 | 15 −29% | 12 −48% | 7 −71% | -14 −178% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
