Fino Payments Bank Reports Decline in Q2 & H1 FY26 Net Profit and Total Income
Fino Payments Bank reported a decline in net profit to ₹1,535 lakhs for Q2 FY26 and ₹3,311 lakhs for H1 FY26, alongside reduced total income. Capital Adequacy Ratio, however, improved to 77.19%.
The consistent decline in key financial performance indicators such as net profit, total income, and EPS, both sequentially and year-on-year, is a significant negative development for the company's financial outlook and investor confidence, warranting a high impact rating.
The company reported a decline in both net profit and total income on a quarter-on-quarter and year-on-year basis for the quarter and half-year ended September 30, 2025. While the Capital Adequacy Ratio improved, the core profitability metrics show a negative trend.
Fino Payments Bank Limited announced the outcome of its Board Meeting held on October 29, 2025, where the Board of Directors approved the Audited Financial Results for the half year ended September 30, 2025, and Unaudited Financial Results for the quarter ended September 30, 2025. * For the quarter ended September 30, 2025, the Bank reported a Net Profit of ₹1,535 lakhs, a decrease from ₹1,776 lakhs in the previous quarter (June 30, 2025) and ₹2,115 lakhs in the same quarter last year (September 30, 2024). * Total Income for the quarter stood at ₹40,005 lakhs, down from ₹45,347 lakhs in the previous quarter and ₹45,541 lakhs year-on-year. * Basic Earnings Per Share (EPS) for the quarter was ₹1.84, compared to ₹2.13 in the preceding quarter and ₹2.54 year-on-year. * For the half year ended September 30, 2025, the Audited Net Profit was ₹3,311 lakhs, a decline from ₹4,542 lakhs reported for the half year ended September 30, 2024. * Total Income for the half year ended September 30, 2025, was ₹85,352 lakhs, also lower than ₹89,227 lakhs in the corresponding half year last year. * The Capital Adequacy Ratio (CRAR) as of September 30, 2025, improved to 77.19% from 75.20% as of September 30, 2024.
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Fino Payments Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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