₹135
Fino Paytech Limited Unlisted Shares
Fino Paytech Limited, established in 2006, is an institutional investor-driven company that operates in the financial technology sector, primarily focusing on payment solutions. The company is known for its innovative products, including biometric smart cards and end-to-end loan management systems. It has garnered significant investments from both Indian and international investors, including major stakeholders like Bharat Petroleum Corporation and ICICI Bank.
Fundamentals
Financial (In Cr)
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | 19 | 18 | 1149 | 1339 |
| Cost of Material Consumed | 9 | 11 | 185 | 171 |
| Gross Margins | 52.63 | 38.89 | 83.9 | 87.23 |
| Change in Inventory | 1 | 0 | 3 | 10 |
| Employee Benefit Expenses | 7 | 4 | 171 | 184 |
| Other Expenses | 17 | 216 | 766 | 904 |
| EBITDA | -15 | -213 | 24 | 70 |
| OPM | -78.95 | -1183.33 | 2.09 | 5.23 |
| Other Income | 3 | 823 | 142 | 158 |
| Finance Cost | 2 | 1 | 54 | 86 |
| D&A | 2 | 2 | 50 | 63 |
| EBIT | -17 | -215 | -26 | 7 |
| EBIT Margins | -89.47 | -1194.44 | -2.26 | 0.52 |
| PBT | -15 | 605 | 62 | 80 |
| PBT Margins | -78.95 | 3361.11 | 5.4 | 5.97 |
| Tax (2021) | 1 | 82 | 12 | -1 |
| PAT | -16 | 523 | 50 | 81 |
| NPM | -84.21 | 2905.56 | 4.35 | 6.05 |
| EPS | -1.61 | 47.81 | 4.79 | 7.75 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Operating Profit Margin | -78.95 | -1183.33 | 2.09 | 5.23 |
| Net Profit Margin | -84.21 | 2905.56 | 4.35 | 6.05 |
| Earning Per Share (Diluted) | -1.61 | 47.81 | 4.79 | 7.75 |
Shareholding Pattern
| Shareholding Pattern | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Individuals | 0.2861 | 0.2681 | 0.2681 | 0.2677 |
| Corporated Listed | 0.114 | 0.1038 | 0.1038 | 0.1036 |
| Corporated Unlisted | 0.0756 | 0.0909 | 0.0909 | 0.0907 |
| Financial Institutions/Banks | 0.075 | 0.0688 | 0.0688 | 0.0687 |
| Insurance Companies | 0.0661 | 0.0683 | 0.0683 | 0.0682 |
| Venture Capital Fund/AIFs | 0.0579 | 0.0622 | 0.0573 | 0.0601 |
| Foreign Holding | 0.0532 | 0.0602 | 0.0602 | 0.0601 |
| Others | - | 0.2777 | 0.2826 | 0.2838 |
Promoters
| Promoters | Designation | Experience | Linkedin Profile |
|---|---|---|---|
| Amit Kumar Jain | Whole-time Director, COO | 25+ | (5) Amit Kumar Jain | LinkedIn |
| Ashok Kini | Non- Executive Chairman | 30+ | - |
| Dr. Apurva Joshi | Director | 10 | - |
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