PTC India Financial [PFS] vs Fino Payments Bank [FINOPB] Detailed Stock Comparison

PTC India Financial Services Ltd.

NSE
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Fino Payments Bank Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: PTC India Financial Services Ltd. wins in 11 metrics, Fino Payments Bank Ltd. wins in 5 metrics, with 0 ties. PTC India Financial Services Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PTC India Financial Services Ltd. Fino Payments Bank Ltd. Better
P/E Ratio (TTM) 5.80 16.72 PTC India Financial Services Ltd.
Price-to-Book Ratio 0.70 1.47 PTC India Financial Services Ltd.
Debt-to-Equity Ratio 1.04 1.16 PTC India Financial Services Ltd.
PEG Ratio 2.15 -0.40 PTC India Financial Services Ltd.
EV/EBITDA 14.11 N/A N/A
Profit Margin (TTM) 54.59% 4.30% PTC India Financial Services Ltd.
Operating Margin (TTM) 84.14% 5.63% PTC India Financial Services Ltd.
EBITDA Margin (TTM) 84.14% 5.63% PTC India Financial Services Ltd.
Return on Equity 7.88% 12.39% Fino Payments Bank Ltd.
Return on Assets (TTM) 3.82% 2.20% PTC India Financial Services Ltd.
Free Cash Flow (TTM) $11.35B $-883.17M PTC India Financial Services Ltd.
1-Year Return -26.32% -51.94% PTC India Financial Services Ltd.
Price-to-Sales Ratio (TTM) 4.29 0.72 Fino Payments Bank Ltd.
Enterprise Value $40.24B $8.25B PTC India Financial Services Ltd.
EV/Revenue Ratio 7.26 0.51 Fino Payments Bank Ltd.
Gross Profit Margin (TTM) 41.78% N/A N/A
Revenue per Share (TTM) $7 $194 Fino Payments Bank Ltd.
Earnings per Share (Diluted) $5.17 $8.32 Fino Payments Bank Ltd.
Beta (Stock Volatility) N/A 0.67 N/A

PTC India Financial Services Ltd. vs Fino Payments Bank Ltd. Stock Performance Analysis

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PFS
FINOPB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PTC India Financial Services Ltd.0.85%-1.12%2.53%14.94%-8.83%-8.80%
Fino Payments Bank Ltd.0.97%7.67%15.31%-2.07%-48.72%-46.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PTC India Financial Services Ltd.-26.32%54.14%51.46%-21.03%76.93%26.64%
Fino Payments Bank Ltd.-51.94%-39.56%-74.96%-74.96%-74.96%-74.96%

Performance & Financial Health Analysis: PTC India Financial Services Ltd. vs Fino Payments Bank Ltd.

MetricPFSFINOPB
Market Information
Market Cap i₹19.26B₹11.33B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i755,983555,077
90 Day Avg. Volume i793,7061,440,680
Last Close₹30.78₹137.53
52 Week Range₹23.85 - ₹43.99₹110.03 - ₹339.00
% from 52W High-30.03%-59.43%
All-Time High₹73.15 (Jan 12, 2015)₹582.95 (Nov 08, 2021)
% from All-Time High-57.92%-76.41%
Growth Metrics
Quarterly Revenue Growth-0.56%-0.16%
Quarterly Earnings Growth-0.59%-0.47%
Financial Health
Profit Margin (TTM) i0.55%0.04%
Operating Margin (TTM) i0.84%0.06%
Return on Equity (TTM) i0.08%0.12%
Debt to Equity (MRQ) i1.041.16
Cash & Liquidity
Book Value per Share (MRQ)₹42.88₹94.48
Cash per Share (MRQ)₹0.05₹143.92
Operating Cash Flow (TTM) i₹11.53B₹1.41B
Levered Free Cash Flow (TTM) i₹2.17B₹925.35M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i₹0.00N/A

Valuation & Enterprise Metrics Analysis: PTC India Financial Services Ltd. vs Fino Payments Bank Ltd.

MetricPFS (Apr 26, 2026)FINOPB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i5.8016.72
Forward P/E i4.969.52
PEG Ratio i2.15-0.40
Price to Sales (TTM) i4.290.72
Price to Book (MRQ) i0.701.47
Market Capitalization
Market Capitalization i₹19.26B₹11.33B
Enterprise Value i₹40.24B₹8.25B
Enterprise Value Metrics
Enterprise to Revenue i7.260.51
Enterprise to EBITDA i14.11N/A
Risk & Other Metrics
Beta iN/A0.67
Book Value per Share (MRQ) i₹42.88₹94.48

Financial Statements Comparison: PTC India Financial Services Ltd. vs Fino Payments Bank Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPFS (2025)FINOPB (2025)
Revenue/Sales i5.54B6.78B
Cost of Goods Sold i3.37BN/A
COGS % of Revenue i60.8%0.0%
Gross Profit i2.17BN/A
Gross Margin i39.2%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i1.98BN/A
Operating Margin i35.7%0.0%
EBITDA i2.85BN/A
EBITDA Margin i51.5%0.0%
Pre-Tax Income i2.79B1.08B
Pre-Tax Income % of Revenue i50.2%16.0%
Income Tax i614.70M158.20M
Income Tax % of Revenue i11.1%2.3%
Net Income (Profit) i2.17B925.34M
Profit Margin i39.1%13.7%

Balance Sheet & Liquidity Metrics

MetricPFS (2025)FINOPB (2025)
Cash & Equivalents i7.63B11.04B
Total Current Assets i23.68BN/A
Total Current Assets % of Revenue i427.2%0.0%
Total Current Liabilities i11.56BN/A
Total Current Liabilities % of Revenue i208.4%0.0%
Long-Term Debt i17.69B8.39B
Long-Term Debt % of Revenue i319.2%123.9%
Total Shareholders Equity i27.54B7.47B
Retained Earnings i3.20B-1.35B
Retained Earnings % of Revenue i57.7%-20.0%
Property, Plant & Equipment i75.70M4.69B

Cash Flow Statement Comparison

MetricPFS (2025)FINOPB (2025)
Operating Cash Flow i11.53B1.41B
Operating Cash Flow % of Revenue i208.0%20.8%
Capital Expenditures i900,000-1.64B
Free Cash Flow i11.35B-883.17M
FCF Margin i204.8%-13.0%
Debt Repayment i-11.57BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPFSFINOPB
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i642.28M83.22M
Float Shares i226.43M19.10M
% Held by Insiders i0.03%75.00%
% Held by Institutions i70.69%1.90%
% Held by Public i29.28%23.10%

Dividend Analysis & Yield Comparison: PTC India Financial Services Ltd. vs Fino Payments Bank Ltd.

MetricPFSFINOPB
Last 12-Month Dividend i₹0.00N/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend i₹0.33N/A
3-Year Avg Dividend Yield i3.42%N/A
3-Year Total Dividends i₹1.00N/A
Ex-Dividend DateSep 05, 2023N/A