FINOPB Fino Payments Bank Q3 FY26 results (Oct–Dec 2025) and concall
Fino Payments Bank achieved a significant milestone by receiving in-principle approval for SFB transition, positioning it for future growth. The quarter saw strong deposit growth and improved profitability margins, driven by a shift towards high-margin CASA-led businesses. However, overall revenue experienced a decline, primarily due to regulatory tightening impacting digital payments and pricing competition in the CMS segment. The bank is focused on building a disciplined, scalable SFB model with a strong liability base and a secured lending portfolio.
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What they filed
Q3 FY26: revenue up 28.6%, net profit down 47.8% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 48 | 49 | 53 | 61 | 60 +25% | 63 +29% |
| EBITDA | -357 | -358 | -385 | -339 | -291 +18% | -281 +22% |
| Net profit | 21 | 23 | 24 | 18 | 15 −29% | 12 −48% |
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.
