Fino Paytech Limited Unlisted Shares
About The Company
Strong
Market Position
Consistent
YoY Growth
Experienced
Management
Key Indicators
A snapshot of Fino Paytech Limited Unlisted Shares's financial health, valuation multiples and capital efficiency at a glance.
Pricing Trends
Financial Performance
| Indicators | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,864.4 | 1,497.4 | 1,291.3 | 1,050.6 | 860.4 | 852.9 | 547.4 | 376.9 |
| Expense | 1,611.7 | 1,296.7 | 1,124.4 | 1,028.6 | 804.3 | 779.1 | 511.2 | 471.0 |
| EBITDA | 252.7 | 200.7 | 166.9 | 22.0 | 56.1 | 73.8 | 36.2 | -94.1 |
| Other Cost | 138.1 | 121.1 | 104.6 | 73.8 | 105.9 | 93.7 | 90.2 | 82.0 |
| PBT | 114.6 | 79.6 | 62.3 | -51.8 | -49.8 | -19.9 | -54.0 | -176.1 |
| Tax Expense | 17.1 | -1.2 | 12.2 | 1.3 | 0.6 | 1.1 | 19.4 | -8.9 |
| PAT | 97.5 | 80.8 | 50.1 | -53.1 | -50.4 | -21.0 | -73.3 | -167.2 |
| Other Inc./Exp. | -3.3 | 1.8 | -1.4 | 1.0 | -2.0 | -1.2 | 1.4 | 1.5 |
| Net Income | 94.2 | 82.6 | 48.7 | -52.1 | -52.4 | -22.2 | -71.9 | -165.7 |
| Shares O/S | 10.46 | 10.50 | 13.10 | 10.90 | 12.80 | 12.80 | 12.80 | 12.70 |
| EPS (₹) | 5.80 | 5.70 | 2.60 | -4.50 | -3.90 | -2.00 | -6.00 | -13.00 |
| Rev. Growth % | 24.5% | 16.0% | 22.9% | 22.1% | 0.9% | 55.8% | 45.2% | — |
| EBITDA Mgn % | 13.6% | 13.4% | 12.9% | 2.1% | 6.5% | 8.7% | 6.6% | -25.0% |
| Net Mgn % | 5.1% | 5.5% | 3.8% | -5.0% | -6.1% | -2.6% | -13.1% | -44.0% |
| EPS Growth | 1.8% | 119.2% | -157.8% | 15.4% | 95.0% | -66.7% | -53.8% | — |
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About Fino Paytech Ltd Unlisted Shares
Established in 2006, Fino Paytech Ltd is an institutional investor-driven company owned by Indian and International investors. The company offers products like FINO Tijori, a biometric smart card, smart cards (FINOsaral), end-to-end loan management solutions, etc. The company's authorized share capital is INR 170 CR., As of March 31, 2024, the issued, subscribed, and paid-up capital of the Company is Rs. 127.57 CR..
The major shareholders of the company include Bharat Petroleum Corporation Ltd (28.61%), ICICI Bank (5.79%), ICICI Lombard General Insurance (5.32%), ICICI Prudential Life Insurance (11.4%) and Blackstone GPV Capital Partners (7.56%). In addition, the company is also performing well in the share market, and Fino Paytech Ltd unlisted shares become a golden opportunity to earn high ROI.
What does Fino Paytech do?
Fino Paytech Limited is a technology solution provider that provides its services to banks and investment firms. It was founded in 2006, and since then, it has had a significant impact on the industry. Recently, the CEO of Fino Paytech Limited made an announcement where he said that the company is looking to upgrade to a small finance bank. This could be a very big development for the investors and stakeholders of the company.
Who owns Fino Paytech?
The fintech company FINO Paytech Ltd. began its journey in 2006 under the leadership of Manish Khera, who served as both CEO and Managing Director. Its promoter primarily owns Fino PayTech and operates under the umbrella of Fino Payments Bank, Fino Payments Bank, which holds a 75% stake in the bank.
Fino Paytech Ltd Unlisted Share Price Overview
Over the last three years (2023-2025), Fino Paytech unlisted share price has remained relatively stable, moving sideways. The stock traded around Rs 150 to 165 in 2023, briefly tested Rs 180 to 185 in 2024, and after a dip in early 2025, has again stabilised near Rs 150 to 160.
From a pure numbers lens, this translates into a low single-digit CAGR of roughly 1.5% to 2% over the last 2 years. That may sound underwhelming compared to the fintech industry’s growth rate, but it also tells an important story, the stock has been absorbing volatility without breaking down.
The Board had expressed its inability to recommend Fino Paytech dividend 2024 to the shareholders due to the loss reported in FY24.
This gap between high industry CAGR and muted stock CAGR suggests that the market is waiting for clearer proof on profitability, cash-flow consistency and IPO direction.
Why Buy Fino Paytech Ltd Unlisted Shares?
Finopaytech’s unlisted shares reflect a business that is moving from early growth to financial maturity. Revenue has grown from Rs 1,291 crore in FY23 to Rs 1,864 crore in FY25 at a healthy 20% CAGR, while EBITDA has expanded faster than revenue, indicating improving operating efficiency. Profit after tax has nearly doubled to Rs 97.5 crore, and net margins have stabilised above 5%, reducing earnings volatility. Stable EPS at Rs 5.8 suggests sustainable profitability, making Finopaytech an attractive pre-IPO business to track closely.
Fino Paytech Limited can be a very good asset to own. The most important thing in the Unlisted share market is a company’s financial performance in recent years. When it comes to Fino Paytech Limited, its financial performance has been nothing short of robust.
Financial performance of the company for the last 3 years (Rs in Crore)
Particulars (Rs Cr) | FY25 | FY24 | FY23 |
Revenue | 1,864.40 | 1,497.40 | 1,291.30 |
EBITDA | 252.7 | 200.7 | 166.9 |
EBITDA Margin (%) | 13.60% | 13.40% | 12.90% |
Profit After Tax | 97.5 | 80.8 | 50.1 |
Net Margin (%) | 5.10% | 5.50% | 3.80% |
EPS (Rs) | 5.8 | 5.7 | 2.6 |
Fino Paytech’s financials over the last 3 years show a steady shift from growth to quality growth.
Revenue has increased consistently, rising from Rs 1,291 crore in FY23 to Rs 1,864 crore in FY25, reflecting strong business traction and a healthy 20% revenue CAGR over the period.
What’s encouraging is how profitability has kept pace. EBITDA has grown faster than revenue, improving from Rs 167 crore to Rs 253 crore, while margins expanded from 12.9% to 13.6%. This suggests better operating efficiency as the company scales.
The biggest improvement is visible at the bottom line. Profit after tax has nearly doubled in 2 years, moving from Rs 50 crore in FY23 to Rs 97.5 crore in FY25.
Net margins have stabilised above 5%, indicating that earnings are no longer fragile or one-off driven.
EPS growth mirrors this trend, jumping sharply from Rs 2.6 per share to Rs 5.8 per share in FY24 and stabilising at Rs 5.8 per share in FY25, which points toward a more mature earnings phase rather than volatile spikes.
Overall, these numbers highlight a business that is executing steadily, strengthening margins, and improving earnings visibility, which is a solid fundamental base for investors focused on long-term value rather than short-term price action.
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