Earnings calls

Fino Payments concall ledger

Every earnings call for FINOPB — management tone, guidance, KPIs and promise tracking, quarter by quarter.

FINOPB · 6 transcripts · Financial Services · latest Q4 FY26

Q4 FY26Published 30 Apr 2026Call held 30 Apr 2026

FINOPB Q4 FY26 Earnings Call Transcript & Analysis

Total Revenue Growth-0.31%−31% YoYTotal Revenue Growth-0.14%−14% YoYCASA Accounts₹1.75 cr+22% YoYTotal Deposit Balance₹2,957 crRenewal Income₹62.2 cr

Total Revenue Growth -0.31% (−31% YoY); Total Revenue Growth (FY26) -0.14% (−14% YoY); CASA Accounts ₹2 cr (+22% YoY). CASA base reached 1.75 crore accounts, up 22% YoY.

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Q3 FY26Published 30 Jan 2026Call held 30 Jan 2026

FINOPB Q3 FY26 Earnings Call Transcript & Analysis

Revenue₹394.4 cr−15% YoYEBITDA₹63.9 cr+6% YoYEBITDA Margin16.2%PAT₹12.2 cr

Revenue ₹394 cr (−15% YoY); EBITDA ₹64 cr (+6% YoY); EBITDA Margin 16.2%. In-principle approval from RBI to transition into a small finance bank (SFB), making Fino the first payments bank to achieve this milestone.

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Q2 FY26Published 30 Oct 2025Call held 30 Oct 2025

FINOPB Q2 FY26 Earnings Call Transcript & Analysis

Revenue₹400 cr−12% YoYEBITDA₹61.6 cr+8% YoYEBITDA Margin15.4%PAT₹15.4 cr−27% YoY

Revenue ₹400 cr (−12% YoY); EBITDA ₹62 cr (+8% YoY); EBITDA Margin 15.4%. CASA accounts grew by 9.1 lakh in Q2 FY26.

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Q1 FY26Published 31 Jul 2025Call held 31 Jul 2025

FINOPB Q1 FY26 Earnings Call Transcript & Analysis

Revenue₹453 cr+4% YoYEBITDA₹62 cr+16% YoYPAT₹18 cr

Revenue ₹453 cr (+4% YoY); EBITDA ₹62 cr (+16% YoY); PAT ₹18 cr. Revenue grew 4% YoY to ₹453 crores.

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Q4 FY25Published 29 Apr 2025Call held 29 Apr 2025

FINOPB Q4 FY25 Earnings Call Transcript & Analysis

Revenue₹1,847 cr+25% YoYEBITDA₹234 cr+22% YoYPAT₹92.5 cr+7% YoYPBT₹108 cr+26% YoY

Revenue (FY25) ₹1,847 cr (+25% YoY); EBITDA (FY25) ₹234 cr (+22% YoY); PAT (FY25) ₹92 cr (+7% YoY). FY25 Revenue grew 25% YoY to INR 1,847 crores.

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Q3 FY25Published 30 Jan 2025Call held 30 Jan 2025

FINOPB Q3 FY25 Earnings Call Transcript & Analysis

Revenue₹461 cr+25% YoYEBITDA₹60 cr+19% YoYPAT₹23 crPBT₹28.5 cr+25% YoY

Revenue ₹461 cr (+25% YoY); EBITDA ₹60 cr (+19% YoY); PAT ₹23 cr. Revenue surged by 25% YoY to INR 461 crores in Q3 FY25.

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