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FINOPB (Fino Payments Bank Ltd) Stock Analysis
Buy, Hold or Sell?

Let's analyze Fino Payments Bank Ltd together

I guess you are interested in Fino Payments Bank Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • ๐Ÿ“Š Fundamental Analysis (FA) โ€“ Fino Payments Bank Ltdโ€™s Financial Insights
  • ๐Ÿ“ˆ Technical Analysis (TA) โ€“ Fino Payments Bank Ltdโ€™s Price Targets

I'm going to help you getting a better view of Fino Payments Bank Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Fino Payments Bank Ltd (30 sec.)










1.2. What can you expect buying and holding a share of Fino Payments Bank Ltd? (30 sec.)

How much money do you get?

How much money do you get?
INR0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
INR89.75
Expected worth in 1 year
INR139.60
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR49.85
Return On Investment
17.8%

For what price can you sell your share?

Current Price per Share
INR280.25
Expected price per share
INR235.45 - INR313.00
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Fino Payments Bank Ltd (5 min.)




Live pricePrice per Share (EOD)
INR280.25
Intrinsic Value Per Share
INR-416.24 - INR-14.30
Total Value Per Share
INR-326.49 - INR75.45

2.2. Growth of Fino Payments Bank Ltd (5 min.)




Is Fino Payments Bank Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$87.3m$75.2m$12.1m13.9%

How much money is Fino Payments Bank Ltd making?

Current yearPrevious yearGrowGrow %
Making money$10.8m$10m$738.2k6.8%
Net Profit Margin5.3%6.2%--

How much money comes from the company's main activities?

2.3. Financial Health of Fino Payments Bank Ltd (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Fino Payments Bank Ltd?

Welcome investor! Fino Payments Bank Ltd's management wants to use your money to grow the business. In return you get a share of Fino Payments Bank Ltd.

First you should know what it really means to hold a share of Fino Payments Bank Ltd. And how you can make/lose money.

Speculation

The Price per Share of Fino Payments Bank Ltd is INR280.25. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Fino Payments Bank Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Fino Payments Bank Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR89.75. Based on the TTM, the Book Value Change Per Share is INR12.46 per quarter. Based on the YOY, the Book Value Change Per Share is INR10.89 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Fino Payments Bank Ltd.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.130.0%0.130.0%0.120.0%0.110.0%0.090.0%0.060.0%
Usd Book Value Change Per Share0.150.1%0.150.1%0.130.0%0.130.0%0.170.1%0.180.1%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.150.1%0.150.1%0.130.0%0.130.0%0.170.1%0.180.1%
Usd Price Per Share2.67-2.67-3.29-2.78-2.26-1.88-
Price to Earnings Ratio20.52-20.52-27.15-24.57-24.50-20.42-
Price-to-Total Gains Ratio18.31-18.31-25.83-22.48-18.45-18.45-
Price to Book Ratio2.54-2.54-3.64-3.08-2.72-2.27-
Price-to-Total Gains Ratio18.31-18.31-25.83-22.48-18.45-18.45-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share3.278925
Number of shares304
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.150.17
Usd Total Gains Per Share0.150.17
Gains per Quarter (304 shares)44.3352.73
Gains per Year (304 shares)177.31210.90
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
101771670211201
203553440422412
305325210633623
407096980844834
50887875010551045
6010641052012651256
7012411229014761467
8014181406016871678
9015961583018981889
10017731760021092100

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%5.01.00.083.3%5.01.00.083.3%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%6.00.00.0100.0%6.00.00.0100.0%
Dividend per Share0.00.01.00.0%0.00.03.00.0%0.00.05.00.0%0.00.06.00.0%0.00.06.00.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%6.00.00.0100.0%6.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Fino Payments Bank Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--12.46312.4630%10.890+14%10.697+17%14.824-16%14.958-17%
Book Value Per Share--89.74989.7490%77.287+16%77.811+15%61.836+45%54.135+66%
Current Ratio----0%-0%0.209-100%0.464-100%0.837-100%
Debt To Asset Ratio--0.8220.8220%0.812+1%0.803+2%0.795+3%0.795+4%
Debt To Equity Ratio--4.6314.6310%4.316+7%4.137+12%4.125+12%4.070+14%
Dividend Per Share----0%-0%-0%-0%-0%
Enterprise Value---15604221583.700-15604221583.7000%-4354261000.000-72%-7380444527.900-53%-3322127635.925-79%-3322127635.925-79%
Eps--11.11911.1190%10.361+7%9.767+14%7.379+51%5.508+102%
Ev To Sales Ratio---0.893-0.8930%-0.311-65%-0.463-48%0.238-476%0.238-476%
Free Cash Flow Per Share---10.613-10.6130%-5.648-47%-10.004-6%-4.997-53%-6.460-39%
Free Cash Flow To Equity Per Share---10.613-10.6130%-5.648-47%13.984-176%28.752-137%23.625-145%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---14.301----------
Intrinsic Value_10Y_min---416.240----------
Intrinsic Value_1Y_max---4.238----------
Intrinsic Value_1Y_min---18.182----------
Intrinsic Value_3Y_max---10.597----------
Intrinsic Value_3Y_min---75.332----------
Intrinsic Value_5Y_max---14.378----------
Intrinsic Value_5Y_min---154.732----------
Market Cap23321956600.000+19%18986278416.30018986278416.3000%23405175000.000-19%19782400805.433-4%16040346691.260+18%13366955576.050+42%
Net Profit Margin--0.0530.0530%0.062-14%0.057-6%0.069-24%0.036+48%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%-0%
Pb Ratio3.123+19%2.5422.5420%3.639-30%3.083-18%2.719-7%2.266+12%
Pe Ratio25.205+19%20.51920.5190%27.146-24%24.572-16%24.502-16%20.418+0%
Price Per Share280.250+19%228.150228.1500%281.250-19%237.717-4%192.750+18%160.625+42%
Price To Free Cash Flow Ratio-26.406-23%-21.497-21.4970%-49.797+132%-28.704+34%-14.307-33%-11.923-45%
Price To Total Gains Ratio22.487+19%18.30718.3070%25.825-29%22.484-19%18.446-1%18.446-1%
Quick Ratio----0%-0%-0%-0%-0%
Return On Assets--0.0220.0220%0.025-13%0.025-10%0.024-8%0.011+94%
Return On Equity--0.1240.1240%0.134-8%0.125-1%0.120+3%0.059+110%
Total Gains Per Share--12.46312.4630%10.890+14%10.697+17%14.824-16%14.958-17%
Usd Book Value--87384960.00087384960.0000%75250749.600+16%75760963.200+15%60207434.820+45%52709285.850+66%
Usd Book Value Change Per Share--0.1460.1460%0.127+14%0.125+17%0.173-16%0.175-17%
Usd Book Value Per Share--1.0501.0500%0.904+16%0.910+15%0.723+45%0.633+66%
Usd Dividend Per Share----0%-0%-0%-0%-0%
Usd Enterprise Value---182569392.529-182569392.5290%-50944853.700-72%-86351200.976-53%-38868893.340-79%-38868893.340-79%
Usd Eps--0.1300.1300%0.121+7%0.114+14%0.086+51%0.064+102%
Usd Free Cash Flow---10333440.000-10333440.0000%-5499105.300-47%-9740675.100-6%-4865690.700-53%-6289578.750-39%
Usd Free Cash Flow Per Share---0.124-0.1240%-0.066-47%-0.117-6%-0.058-53%-0.076-39%
Usd Free Cash Flow To Equity Per Share---0.124-0.1240%-0.066-47%0.164-176%0.336-137%0.276-145%
Usd Market Cap272866892.220+19%222139457.471222139457.4710%273840547.500-19%231454089.424-4%187672056.288+18%156393380.240+42%
Usd Price Per Share3.279+19%2.6692.6690%3.291-19%2.781-4%2.255+18%1.879+42%
Usd Profit--10826010.00010826010.0000%10087740.000+7%9509370.000+14%7184848.320+51%5362671.600+102%
Usd Revenue--204342840.000204342840.0000%163739160.000+25%168813060.000+21%117587391.480+74%102731795.400+99%
Usd Total Gains Per Share--0.1460.1460%0.127+14%0.125+17%0.173-16%0.175-17%
 EOD+5 -3MRQTTM+0 -0YOY+14 -183Y+14 -195Y+14 -1910Y+14 -19

3.3 Fundamental Score

Let's check the fundamental score of Fino Payments Bank Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1525.205
Price to Book Ratio (EOD)Between0-13.123
Net Profit Margin (MRQ)Greater than00.053
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.822
Debt to Equity Ratio (MRQ)Less than14.631
Return on Equity (MRQ)Greater than0.150.124
Return on Assets (MRQ)Greater than0.050.022
Total2/10 (20.0%)

3.4 Technical Score

Let's check the technical score of Fino Payments Bank Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.291
Ma 20Greater thanMa 50281.913
Ma 50Greater thanMa 100260.122
Ma 100Greater thanMa 200247.462
OpenGreater thanClose281.000
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Fino Payments Bank Ltd

Fino Payments Bank Limited provides various types of financial services in India. It operates through four segments: Treasury, Corporate Banking, Retail Banking, and Other Banking Operations. The company offers savings and current accounts, sweep account facility, fixed deposit services, and loan referral services; and debit and prepaid cards. It also provides recharge, bill payment, payment system, cash management, digital payment, merchant, and domestic money transfer services; mobile banking services; FASTag products; unified payments interface facility; remittances; and cash bazar, AADHAAR seeding, and micro ATM services. In addition, the company offers health, life, motor, and shopkeeper insurance products; and third party financial products distribution and business correspondent banking services. The company was formerly known as Fino Fintech Limited and changed its name to Fino Payments Bank Limited in April 2017. Fino Payments Bank Limited was founded in 2006 and is based in Navi Mumbai, India. Fino Payments Bank Limited operates as a subsidiary of FINO PayTech Limited.

Fundamental data was last updated by Penke on 2025-06-18 12:15:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitย Fino Payments Bank Ltd earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • A Net Profit Margin of 5.3%ย means thatย ₹0.05 for each ₹1ย in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Fino Payments Bank Ltd:

  • The MRQ is 5.3%. The company is making a profit. +1
  • The TTM is 5.3%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ5.3%TTM5.3%0.0%
TTM5.3%YOY6.2%-0.9%
TTM5.3%5Y6.9%-1.6%
5Y6.9%10Y3.6%+3.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.3%41.9%-36.6%
TTM5.3%31.1%-25.8%
YOY6.2%29.6%-23.4%
3Y5.7%29.0%-23.3%
5Y6.9%25.7%-18.8%
10Y3.6%22.1%-18.5%
4.3.1.2. Return on Assets

Shows howย efficientย Fino Payments Bank Ltd is using its assets to generate profit.

  • Above 5% is considered healthyย but always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • 2.2% Return on Assets means thatย Fino Payments Bank Ltd generatedย ₹0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Fino Payments Bank Ltd:

  • The MRQ is 2.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.2%TTM2.2%0.0%
TTM2.2%YOY2.5%-0.3%
TTM2.2%5Y2.4%-0.2%
5Y2.4%10Y1.1%+1.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.2%0.2%+2.0%
TTM2.2%0.2%+2.0%
YOY2.5%0.2%+2.3%
3Y2.5%0.2%+2.3%
5Y2.4%0.2%+2.2%
10Y1.1%0.2%+0.9%
4.3.1.3. Return on Equity

Shows how efficient Fino Payments Bank Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • 12.4% Return on Equity means Fino Payments Bank Ltd generated ₹0.12ย for eachย ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Fino Payments Bank Ltd:

  • The MRQ is 12.4%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.4%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.4%TTM12.4%0.0%
TTM12.4%YOY13.4%-1.0%
TTM12.4%5Y12.0%+0.4%
5Y12.0%10Y5.9%+6.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.4%2.8%+9.6%
TTM12.4%2.2%+10.2%
YOY13.4%2.6%+10.8%
3Y12.5%2.5%+10.0%
5Y12.0%2.4%+9.6%
10Y5.9%2.6%+3.3%
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4.3.2. Operating Efficiency of Fino Payments Bank Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measuresย how efficient Fino Payments Bank Ltd is operatingย .

  • Measures how much profit Fino Payments Bank Ltd makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • An Operating Margin of 0.0%ย means the company generated ₹0.00 ย for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Fino Payments Bank Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient Fino Payments Bank Ltd is keepingย operating costsย low.

  • Below 1 is considered healthy (always compare toย Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Fino Payments Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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4.4.3. Liquidity of Fino Payments Bank Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Fino Payments Bank Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toย Banks - Regional industry mean).
  • A Current Ratio of 0.00ย means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Fino Payments Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.464-0.464
5Y0.46410Y0.837-0.373
4.4.3.2. Quick Ratio

Measures if Fino Payments Bank Ltd is able to pay off Short-term Debt but only usingย theย most liquid assets.

  • Above 1 is considered healthy butย always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • A Quick Ratio of 0.00ย means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Fino Payments Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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4.5.4. Solvency of Fino Payments Bank Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %ย of Fino Payments Bank Ltdย assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareย Fino Payments Bank Ltd to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.82ย means that Fino Payments Bank Ltd assets areย financed with 82.2% credit (debt) and the remaining percentage (100% - 82.2%)ย is financed by its owners/shareholders.ย 

Let's take a look of the Debt to Asset Ratio trends of Fino Payments Bank Ltd:

  • The MRQ is 0.822. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.822. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.822TTM0.8220.000
TTM0.822YOY0.812+0.011
TTM0.8225Y0.795+0.027
5Y0.79510Y0.795+0.001
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8220.912-0.090
TTM0.8220.914-0.092
YOY0.8120.331+0.481
3Y0.8030.655+0.148
5Y0.7950.761+0.034
10Y0.7950.845-0.050
4.5.4.2. Debt to Equity Ratio

Measures ifย Fino Payments Bank Ltd is able toย pay off its debts by usingย shareholders equity.

  • Below 2 is considered healthy butย always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • A Debt to Equity ratio of 463.1% means that company has ₹4.63 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Fino Payments Bank Ltd:

  • The MRQ is 4.631. The company is unable to pay all its debts with equity. -1
  • The TTM is 4.631. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ4.631TTM4.6310.000
TTM4.631YOY4.316+0.315
TTM4.6315Y4.125+0.507
5Y4.12510Y4.070+0.055
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.63110.416-5.785
TTM4.63110.683-6.052
YOY4.3164.228+0.088
3Y4.1377.922-3.785
5Y4.1259.283-5.158
10Y4.07011.348-7.278
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measuresย how much money you payย for each share forย every ₹1 in earnings Fino Payments Bank Ltd generates.

  • Above 15 is considered overpriced butย always compareย Fino Payments Bank Ltd to theย Banks - Regional industry mean.
  • A PE ratio of 20.52 means the investor is paying ₹20.52ย for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Fino Payments Bank Ltd:

  • The EOD is 25.205. Based on the earnings, the company is overpriced. -1
  • The MRQ is 20.519. Based on the earnings, the company is fair priced.
  • The TTM is 20.519. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD25.205MRQ20.519+4.686
MRQ20.519TTM20.5190.000
TTM20.519YOY27.146-6.627
TTM20.5195Y24.502-3.983
5Y24.50210Y20.418+4.084
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD25.2054.337+20.868
MRQ20.5193.875+16.644
TTM20.5196.132+14.387
YOY27.1464.741+22.405
3Y24.5725.925+18.647
5Y24.5028.400+16.102
10Y20.4189.118+11.300
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Fino Payments Bank Ltd:

  • The EOD is -26.406. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -21.497. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -21.497. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-26.406MRQ-21.497-4.909
MRQ-21.497TTM-21.4970.000
TTM-21.497YOY-49.797+28.300
TTM-21.4975Y-14.307-7.190
5Y-14.30710Y-11.923-2.385
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-26.4060.376-26.782
MRQ-21.4970.336-21.833
TTM-21.4970.632-22.129
YOY-49.797-1.072-48.725
3Y-28.7042.007-30.711
5Y-14.3070.284-14.591
10Y-11.9230.095-12.018
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofย Fino Payments Bank Ltd is to cheap or to expensiveย compared to its book value.

  • At or below 1 is considered healthyย (always compare to Banks - Regional industry mean).
  • A PB ratio of 2.54 means the investor is paying ₹2.54ย for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Fino Payments Bank Ltd:

  • The EOD is 3.123. Based on the equity, the company is fair priced.
  • The MRQ is 2.542. Based on the equity, the company is underpriced. +1
  • The TTM is 2.542. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD3.123MRQ2.542+0.581
MRQ2.542TTM2.5420.000
TTM2.542YOY3.639-1.097
TTM2.5425Y2.719-0.177
5Y2.71910Y2.266+0.453
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD3.1230.483+2.640
MRQ2.5420.432+2.110
TTM2.5420.446+2.096
YOY3.6390.149+3.490
3Y3.0830.355+2.728
5Y2.7190.578+2.141
10Y2.2660.801+1.465
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets42,059,300
Total Liabilities34,590,500
Total Stockholder Equity7,468,800
 As reported
Total Liabilities 34,590,500
Total Stockholder Equity+ 7,468,800
Total Assets = 42,059,300

Assets

Total Assets42,059,300
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 11,041,900
Total Current Assets  (as reported)0
Total Current Assets  (calculated)11,041,900
+/- 11,041,900
Long-term Assets
Property Plant Equipment 2,975,800
Long Term Investments 23,881,300
Long-term Assets  (as reported)0
Long-term Assets  (calculated)26,857,100
+/- 26,857,100

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity7,468,800
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)7,468,800
Total Stockholder Equity (calculated)0
+/- 7,468,800
Other
Capital Stock832,200
Common Stock Shares Outstanding 83,218
Net Invested Capital 15,863,400



6.2. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-31
> Total Assets 
6,240,010
10,102,910
16,800,023
24,664,000
34,191,124
42,059,300
42,059,30034,191,12424,664,00016,800,02310,102,9106,240,010
   > Total Current Assets 
3,174,010
2,769,767
7,827,690
8,481,726
0
0
008,481,7267,827,6902,769,7673,174,010
       Cash And Cash Equivalents 
3,019,800
2,708,170
7,661,632
8,339,400
10,655,500
11,041,900
11,041,90010,655,5008,339,4007,661,6322,708,1703,019,800
   > Long-term Assets 000000
       Property Plant Equipment 
494,920
642,180
927,485
1,449,100
1,952,387
2,975,800
2,975,8001,952,3871,449,100927,485642,180494,920
       Long Term Investments 
1,282,700
5,035,580
6,313,985
11,464,300
17,469,301
23,881,300
23,881,30017,469,30111,464,3006,313,9855,035,5801,282,700
> Total Liabilities 
4,939,280
8,597,440
12,001,708
19,138,600
27,759,436
34,590,500
34,590,50027,759,43619,138,60012,001,7088,597,4404,939,280
   > Total Current Liabilities 
1,175,290
4,236,537
7,523,601
13,515,726
0
0
0013,515,7267,523,6014,236,5371,175,290
       Accounts payable 
1,175,290
2,428,362
5,026,700
9,171,470
9,148
0
09,1489,171,4705,026,7002,428,3621,175,290
   > Long-term Liabilities 000000
> Total Stockholder Equity
1,300,730
1,505,470
4,798,315
5,525,400
6,431,688
7,468,800
7,468,8006,431,6885,525,4004,798,3151,505,4701,300,730
   Common Stock
445,800
445,800
832,143
832,143
0
0
00832,143832,143445,800445,800
   Retained Earnings Total Equity000000
   Accumulated Other Comprehensive Income 000000
   Capital Surplus 000000
   Treasury Stock000000
   Other Stockholders Equity 
0
0
32,943
348,253
0
0
00348,25332,94300



6.3. Balance Sheets

Currency in INR. All numbers in thousands.




6.4. Cash Flows

Currency in INR. All numbers in thousands.




6.5. Income Statements

Currency in INR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue17,465,200
Cost of Revenue-0
Gross Profit017,465,200
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense00
 
Net Interest Income (+$)
Interest Income1,952,300
Interest Expense-1,005,800
Other Finance Cost-0
Net Interest Income946,500
 
Pretax Income (+$)
Operating Income0
Net Interest Income946,500
Other Non-Operating Income Expenses0
Income Before Tax (EBT)1,083,5000
EBIT - interestExpense = -1,005,800
925,300
1,931,100
Interest Expense1,005,800
Earnings Before Interest and Taxes (EBIT)02,089,300
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax1,083,500
Tax Provision-158,200
Net Income From Continuing Ops925,300925,300
Net Income925,300
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-946,500
 

Technical Analysis of Fino Payments Bank Ltd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Fino Payments Bank Ltd. The general trend of Fino Payments Bank Ltd is NEUTRAL with 0.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Fino Payments Bank Ltd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (0.0%) Bearish trend (0.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Fino Payments Bank Ltd Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Supportย is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistanceย is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Fino Payments Bank Ltd.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 305.40 < 312.00 < 313.00.

The bearish price targets are: 280.00 > 258.80 > 235.45.

Know someone who trades $FINOPB? Share this with them.๐Ÿ‘‡

Fino Payments Bank Ltd Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theย moving averageย of the selected period.

  • Moving averages are laggingย trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Fino Payments Bank Ltd. The current mas is .

The long score for the Moving Averages is 7/14.
The longshort score for the Moving Averages is 0/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Fino Payments Bank Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theย momentumย of theย selected period based on two moving averages.

  • MACD is aย lagging momentumย indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Fino Payments Bank Ltd. The current macd is 7.51257367.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Fino Payments Bank Ltd price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Fino Payments Bank Ltd. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Fino Payments Bank Ltd price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Fino Payments Bank Ltd Daily Moving Average Convergence/Divergence (MACD) ChartFino Payments Bank Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Fino Payments Bank Ltd. The current adx is 43.42.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Fino Payments Bank Ltd shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Fino Payments Bank Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Showsย the current trend.
  • Showsย potential entry signals.
  • Showsย ย potential exit signals.
  • Can be used to placeย trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Fino Payments Bank Ltd. The current sar is 323.06.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Fino Payments Bank Ltd Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumย indicator, meaning the signals are instant.
  • Rangesย between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Fino Payments Bank Ltd. The current rsi is 53.29. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending down: The RSI is trending down. -1
Fino Payments Bank Ltd Daily Relative Strength Index (RSI) ChartFino Payments Bank Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Comparesย a certain price to multiple prices ranging over time.

  • Leadingย momentumย indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Rangesย between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Fino Payments Bank Ltd. The current phase is Oversold in neutral market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Fino Payments Bank Ltd price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Fino Payments Bank Ltd Daily Stochastic Oscillator ChartFino Payments Bank Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,ย the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Fino Payments Bank Ltd. The current cci is -23.39249572.

Fino Payments Bank Ltd Daily Commodity Channel Index (CCI) ChartFino Payments Bank Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Fino Payments Bank Ltd. The current cmo is -0.93036292.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Fino Payments Bank Ltd Daily Chande Momentum Oscillator (CMO) ChartFino Payments Bank Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

ย Shows the current price relative to the highest high over the last 14 days.
ย 

  • Lagging momentum indicator
  • Ranging between 0 andย -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Fino Payments Bank Ltd. The current willr is -90.2892562.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Fino Payments Bank Ltd Daily Williams %R ChartFino Payments Bank Ltd Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldย 

Score

Let's take a look at the Bollinger Bands of Fino Payments Bank Ltd.

Fino Payments Bank Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Fino Payments Bank Ltd. The current atr is 13.91.

Fino Payments Bank Ltd Daily Average True Range (ATR) ChartFino Payments Bank Ltd Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

ย Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Fino Payments Bank Ltd. The current obv is 2,384,070.

Fino Payments Bank Ltd Daily On-Balance Volume (OBV) ChartFino Payments Bank Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Fino Payments Bank Ltd. The current mfi is 58.34.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Fino Payments Bank Ltd Daily Money Flow Index (MFI) ChartFino Payments Bank Ltd Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Fino Payments Bank Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-10STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-20RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-24STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-03STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-04STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-06STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-07SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-10MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-12CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-13STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-18CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-26DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-03-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-01STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-02STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-03STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-04-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-04-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-04-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-04-17STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-21STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-23STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-25MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-04-28STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-30DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-02CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-05-06SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-05-07WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-12STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-05-14MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-05-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-05-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-29WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-30DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-02DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-03CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-04STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-06WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-06-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-11STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-06-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-06-17RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-18MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-06-19MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-25SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-03SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-07-04CMO SHORT ENTRY LONG CLOSEZero line crossover to downside

6.3. Candlestick Patterns

Fino Payments Bank Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Fino Payments Bank Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.291
Ma 20Greater thanMa 50281.913
Ma 50Greater thanMa 100260.122
Ma 100Greater thanMa 200247.462
OpenGreater thanClose281.000
Total4/5 (80.0%)
Penke
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