FINOPB Fino Payments Bank Q4 FY26 results (Jan–Mar 2026) and concall
Fino Payments navigated a challenging Q4 FY26 marked by regulatory scrutiny and an 'unprecedented event,' leading to a 31% YoY revenue drop. Despite this, the bank demonstrated resilience with a 22% YoY growth in CASA accounts to 1.75 crores and an all-time high deposit balance of ₹2,957 crores. Strategic recalibration of its digital business and completion of core banking system migration position it for its planned Small Finance Bank transition, targeting a 20% ROE by FY30.
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What they filed
Q4 FY26: revenue up 20.8%, net profit down 70.8% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|
| Revenue | 48 | 49 | 53 | 61 | 60 +25% | 63 +29% | 64 +21% |
| EBITDA | -357 | -358 | -385 | -339 | -291 +18% | -281 +22% | -242 +37% |
| Net profit | 21 | 23 | 24 | 18 | 15 −29% | 12 −48% | 7 −71% |
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.
