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RECOMMENDATION

Strong Sell

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RATING

RECOMMENDATION

Strong Sell

Business Type

Dominant Leader

  • Fino Paytech Unlisted Shares Essentials

Discover and get complete analysis on Fino Paytech Ltd upcoming IPO unlisted shares - Management, Business Model, Financials, Growth, Valuations, Funding Rounds, News and latest updates

ISIN

INE511I01011

Face Value

₹10.00

Total Share

9,85,00,000

Total Income

₹85,291.29

Profile After Tax

-₹2,099.64

EPS

-₹1.66

Intrinsic Value

-₹1,009.55

Sector

Financials

Sub-sector

Payment Infrastructure

Category

Upcoming IPO

Cashflow - Operations

₹7,358.41

Cashflow - Financing

-₹17,619.10

Fino Paytech Growth

Compounded Sales Growth

  • 55.81%

    1 Year

  • 66.60%

    3 Year

  • 45.64%

    4 Year

Pro Only

Compounded Profit Growth

  • NA

    1 Year

  • NA

    3 Year

  • NA

    4 Year

Pro Only

Return On Equity

  • -8.28%

    1 Year

  • -32.64%

    3 Year

  • -1.62%

    4 Year

Pro Only

About Fino Paytech

  • Fino Paytech, founded on July 13, 2006, is headquartered at Mumbai, with offices across India. It is a business and banking technology platform combined with an extensive services delivery channel, whose vision is to fulfill every financial service need of its customers, and thus become their universally preferred choice.
  • Fino Paytech is a thought leader, innovator, and     implementer of technology solutions for institution like banks, Governments and Insurance companies.
  • Fino Paytech is an institutional investor-driven company owned by international and Indian investors.
  • Fino Paytech offers customers Multiple media such as ATMs/MDMs, POS and Mobile to carry out Bank transaction seamlessly.
  • Company also have Tie-Up with commercials Banks to sell their financial products like mutual fund, Insurance, to get other income.
  • Founder Mr. Khera has been honored and recognized as “Young Global Leader of 2011” by world Economic Forum and he has received praise for his role as one of the thought leaders in the financial inclusion and microfinance space in India.

  • Fino Paytech IPO Details

Right now Company has not filed any DRHP.

  • Fino Paytech Merger & Acquisition

Merger

  • Recently, RBI has issued guidelines for “on tap” licensing of Small Finance Bank (SFB). Eligible Payments Bank can apply for conversion to SFB on completion of 5 years of operations as Payments Bank. SFB will open a gateway for comprehensive financial products (FD/RD/Credit) which are currently restricted under Payments Bank. Your company is exploring opportunity in light of RBI guidelines.
  • https://drive.google.com/file/d/1DFhdNURPjHqcXUZt6yYsc4WiV0GZzEw4/view?usp=sharing
  • Fino Paytech Revenue Segmentation

  • Sale of Cards and devices
  • BC Banking
  • Commisison, Exchange and Brokerage
  • Income from lending business
  • others
  • Fino Paytech Product & Services

Services:

  • Consultancy Services
  • Financial Literacy
  • Business Correspondents Services

Hardware Solutions:

  • Biometric Smart cards
  • Backend Switches
  • Micro deposit machines

Operations Solutions:

  • Field force monitoring System
  • Transaction processing system
  • Applications service provider Solutions

Customer Enrollment solutions:

  • Its customer acquisition System allows banking services at customer doorstep which is quick and simple for customer.
  • Mobile kit-based enrolment system 
  • Card Personalization Bureau.
  • Fino Paytech Industry Overview

Industry Statistics

  • India, as a business destination, fosters all the positive for the BFSI sector to flourish at an appreciable pace. Inter – dependent factors of government policy, active public/private involvement, robust regulatory measures, and technological evolution have spurred the BFSI sector to register strong numbers in recent years.
  • BFSI sector in India is valued at ₹ 81 trillion and is likely to become fifth largest in the world by year 2020 and third largest by the year 2025.
  • Size of the current Indian Banking Industry worth USD 1.31 trillion.  It is expected it will become third largest by 2025.
  • Life Insurance market is estimated to grow at a Compounded annual growth rate of 14.1%.

Fino Paytech Awards & Achievements

  • Fino Payments Bank has received the award for outstanding performance in digital payments for FY 18-19 from Meity. Ranked 1st in digital transaction scorecard for the month of June ’19 amongst all banks
  • Best Emerging Payment Bank of the Year – ETBFSI Excellence Awards 2019
  • Fino Paytech’s Aadhar based project won the Order of merit awards as one of the Top 100 Projects in India at the Skoch New Economy Awards, 2016.
  • MD and CEO Rishi Gupta was awarded this title in ‘Winning Edge’ in the raising capital/Fund management category in year 2013.

Fino Paytech Strengths

  • The net revenue of the company was ₹ 547.39 Cr as against ₹ 376.94 Cr. in previous year.
  • The Company reduced its loss from ₹ -167.20 Cr to ₹ -73.32 Cr. in one year and Continue planning to reduce it further.
  • Total number of partners (Cash management, BC banking & API) grew by 124% to 83%.
  • Company has generated 68% of the Total revenue only from its wholly owned subsidiary Fino Payment Bank Limited

Fino Paytech Shortcomings

  • Company’s ROCE, ROE and ROA are in Negative. 
  • Company has high D/E equity Ratio this year in compare of previous years
Fino Paytech Rating

  • RECOMMENDATION

    Strong Sell

  • Fino Paytech Detail Info

Stock Exchange Ticker

FINOP