Fino Payments Bank Q2 Results FY27 Preview: Results Date, Expectations and the Numbers That Will Decide the September 2026 Quarter

The Fino Payments Bank Q2 results FY27 announcement is the next scheduled earnings event for Fino Payments Bank Ltd., runs a payments bank offering CASA accounts, remittances, and distribution of third-party loans, fixed deposits and insurance, rather than a large lending book of its own. The stock traded at Rs 138.09 on the NSE on 15 September 2026, down 1.24% from the previous close of Rs 139.83, about 59.3% below its 52-week high of Rs 339.00 and 25.5% above its 52-week low of Rs 110.03.

What makes the Fino Payments Bank Q2 results print worth watching is the base it faces. The September 2025 quarter delivered Rs 60.00 crore of revenue and a profit of Rs 15.00 crore, while the most recent quarter on record, Q1 FY27, produced Rs 72.00 crore and a loss of Rs 14.00 crore. Everything below is built from those reported figures rather than from any forecast.

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When Is the Fino Payments Bank Q2 Results FY27 Date?

The Fino Payments Bank Q2 results date for FY27 is not confirmed. As of 15 September 2026, Fino Payments Bank Ltd. had not filed a board meeting intimation with the NSE or BSE for the September 2026 quarter, so any date circulating before that filing appears should be treated as unverified.

What can be stated is the regulatory boundary. Listed companies in India must publish quarterly results within 45 days of the end of the quarter, which places the outer deadline for the September 2026 quarter at 14 November 2026. Companies also have to give the exchanges prior intimation of the board meeting that approves the results, so the Fino Payments Bank Q2 results date becomes public through that filing rather than through any advance announcement.

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The Fino Payments Bank Q2 results FY27 print covers 1 July 2026 to 30 September 2026. Small and mid-cap companies more often report in the second half of that window than in the first, so late October or early November is the range to watch for Fino Payments Bank.

Fino Payments Bank Q2 Results Expectations: What the Market Is Actually Tracking

No verified analyst estimate for the Fino Payments Bank Q2 results FY27 quarter is in the public domain, so no revenue or profit figure should be assumed for Fino Payments Bank. The Fino Payments Bank Q2 results watchlist below is built from what the company has actually reported and disclosed.

Fino Payments Bank Q2 results for the September 2026 quarter arrive after a very clear deteriorating trend: net profit fell from Rs 18 crore in June 2025 to Rs 15 crore, Rs 12 crore and Rs 7 crore in the following three quarters, before turning into a net loss of Rs 14 crore in June 2026, the first quarterly loss shown in this data series. This is a genuine shift in trend rather than a one-off item, and investors will be watching closely whether the September 2026 quarter shows any stabilization or a further slide into losses.

It is important to read the reported financing-margin figures for this company with caution: as a payments bank rather than a lending NBFC, Fino cannot hold a large loan book, so the standard financing-profit template classifies most of its real income, fee and commission on payments, remittances, CASA, and distribution of third-party loans, fixed deposits and insurance, as other income rather than financing revenue. This is why financing margin appears deeply negative throughout the period, moving from minus 603% in June 2025 to minus 344% in June 2026; that improving (less negative) financing-margin trend should not be mistaken for the business getting healthier, since net profit itself has moved in the opposite direction, worsening every single quarter and culminating in the loss booked in June 2026.

Total revenue (interest income plus other income) has actually grown modestly across the window, from Rs 61 crore in June 2025 to Rs 72 crore in June 2026, which makes the swing to a net loss more notable, since it points to rising costs or provisions weighing on a growing top line rather than a revenue problem. For the September 2026 quarter, the key question flagged by this trend is whether the bank can arrest four consecutive quarters of profit decline that culminated in its first-ever reported net loss, making this one of the more closely watched results among this group of companies. The Fino Payments Bank Q2 results for the September 2026 quarter will show whether this negative trend has reversed.

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Fino Payments Bank Q2 Results Preview: The Q1 FY27 Actuals It Builds On

Fino Payments Bank Ltd. reported revenue of Rs 72.00 crore in Q1 FY27, up 18.03% from Rs 61.00 crore in Q1 FY26, and a loss of Rs 14.00 crore at the net level, a swing from a profit of Rs 18.00 crore in Q1 FY26 to a loss of Rs 14.00 crore. These are reported actuals, not estimates.

Sequentially, revenue was up 12.50% over the March 2026 quarter figure of Rs 64.00 crore, and net profit was a swing from a profit of Rs 7.00 crore in Q4 FY26 to a loss of Rs 14.00 crore. A manufacturer-style operating margin is not a meaningful measure for Fino Payments Bank, because its costs are dominated by interest paid on borrowings, so the Fino Payments Bank Q2 results print is better read from net interest income, asset quality and the rupee profit figure.

Q2 FY26 Base: The Comparison Fino Payments Bank Q2 Results FY27 Must Beat

Fino Payments Bank Ltd. reported revenue of Rs 60.00 crore and a profit of Rs 15.00 crore in Q2 FY26, the September 2025 quarter. That is the year-ago base against which the September 2026 numbers will be judged, and it is the single most useful figure in this Fino Payments Bank Q2 results preview.

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Because the base quarter itself was loss-making, a year-on-year percentage comparison of profit is not meaningful for Fino Payments Bank. The more useful test in the Fino Payments Bank Q2 results print is whether the company reports a profit at all, and how the income line of Rs 60.00 crore compares with the Rs 72.00 crore of the June 2026 quarter.

Fino Payments Bank Quarterly Results Trend Over the Last Four Quarters

Quarter	Revenue (Rs Cr)	Net Profit (Rs Cr)
Q2 FY26 (Sep 2025)	60.00	15.00
Q3 FY26 (Dec 2025)	63.00	12.00
Q4 FY26 (Mar 2026)	64.00	7.00
Q1 FY27 (Jun 2026)	72.00	(14.00)

Figures in brackets denote negative numbers. All four quarters above are reported actuals taken from the company's exchange filings, and they are the only basis this Fino Payments Bank Q2 results preview uses.

Revenue across those four quarters ranged from Rs 60.00 crore to Rs 72.00 crore, and net profit from Rs 14.00 crore loss to Rs 15.00 crore. That spread is the honest context for the Fino Payments Bank Q2 results FY27 print, and it is why a single quarter should not be read as a trend on its own.

Key Factors That Could Shape Fino Payments Bank Q2 Results FY27

The Fino Payments Bank Q2 results outcome will turn on a small number of company-specific variables rather than on broad market conditions. The three below are the ones visible in what Fino Payments Bank has already reported.

Valuation Snapshot

Fino Payments Bank trades at a trailing P/E of about 47.6 times and a price-to-book ratio of roughly 1.43 times against a book value of Rs 96.8 per share. Return on equity of 6.76% and return on capital employed of just 4.41% look stretched relative to the P/E given that net profit has been declining each quarter and turned into a loss in June 2026.

Price and Technical Context

The stock last closed at Rs 138.09, down 1.24% on the day, within a 52-week range of Rs 110.03 to Rs 339.0, meaning it is trading much closer to its 52-week low than its high. It is trading below both its 50-day moving average of Rs 152.5 and its 200-day moving average of Rs 177.93, while the RSI of 33.33 is approaching oversold territory ahead of the results.

Balance Sheet and Dividend

The company carries a debt-to-equity ratio of 1.91, higher than the other companies in this group, and pays no dividend (0.00% yield). Alongside this, the shift to a net loss in June 2026, the first in this data series, is the more material balance-sheet-adjacent signal to watch heading into the September 2026 quarter.

Fino Payments Bank Q2 Results FY27: Share Price and Valuation Going Into the Print

Fino Payments Bank share price today is Rs 138.09 on the NSE, down Rs 1.74 or 1.24% from the previous close of Rs 139.83 on 15 September 2026, ahead of the Fino Payments Bank Q2 results announcement.

Metric	Value (15 September 2026)
NSE Symbol	FINOPB
Current Market Price	Rs 138.09
52-Week High	Rs 339.00
52-Week Low	Rs 110.03
Market Capitalisation	Rs 1,164 crore
PE Ratio	47.60
PB Ratio	1.43
EPS (TTM)	Rs 2.90
Book Value per Share	Rs 96.80
Debt to Equity	1.91
Return on Equity	6.76%
50-Day Moving Average	Rs 152.50
200-Day Moving Average	Rs 177.93
RSI (14)	33.33

The stock trades below both its 50-day average of Rs 152.50 and its 200-day average of Rs 177.93, with a 14-day RSI of 33.33. None of this is a view on where the shares go once the Fino Payments Bank Q2 results are announced, and no price target is offered here.

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What Investors Should Watch When Fino Payments Bank Q2 Results Are Announced

Four lines carry most of the information in a company of this size, and reading them in order keeps the Fino Payments Bank Q2 results print in proportion.

1. Revenue against the Rs 60.00 crore reported in the September 2025 base quarter
2. Net profit against a profit of Rs 15.00 crore in that same quarter
3. Net interest income and asset quality, since a manufacturer-style operating margin does not apply here
4. Any exceptional item, provision or one-off gain disclosed alongside the numbers

A one-off gain or provision can move the reported profit far more than operations do in a company this size, which is why the Fino Payments Bank Q2 results announcement should be read together with the notes to the results rather than the headline alone.

Conclusion on Fino Payments Bank Q2 Results FY27

The Fino Payments Bank Q2 results date is not confirmed, and 14 November 2026 is the statutory outer limit rather than an expected date. Fino Payments Bank Ltd. will make the schedule public through a board meeting intimation to the exchanges, and until then the September 2026 quarter can only be framed by what has already been reported.

On that basis the Fino Payments Bank Q2 results FY27 print faces a base of Rs 60.00 crore in revenue and a profit of Rs 15.00 crore, with the most recent quarter having delivered Rs 72.00 crore and a loss of Rs 14.00 crore. No numerical estimate appears in this preview because no verified consensus figure exists for Fino Payments Bank, and readers should treat any preview that supplies one with caution. Verify every figure against the company filing on release and consult a SEBI-registered advisor before acting on quarterly earnings.

FAQs on Fino Payments Bank Q2 Results FY27

What is the Fino Payments Bank Q2 results date for FY27?

Ans. The Fino Payments Bank Q2 results date for FY27 is not confirmed. Fino Payments Bank Ltd. had not filed a board meeting intimation with the NSE or BSE as of 15 September 2026. Indian listing rules require the September 2026 quarter results to be published by 14 November 2026 at the latest.

What quarter do the Fino Payments Bank Q2 results 2026 cover?

Ans. The Fino Payments Bank Q2 results FY27 cover 1 July 2026 to 30 September 2026, known as the September 2026 quarter. Fino Payments Bank Ltd. reports revenue, operating profit and net profit for that period, and the Fino Payments Bank Q2 results filing also carries the notes to the accounts.

What were the Fino Payments Bank Q1 FY27 results?

Ans. Fino Payments Bank Ltd. reported revenue of Rs 72.00 crore in Q1 FY27 and a loss of Rs 14.00 crore at the net level. Revenue was up 18.03% versus Q1 FY26 and net profit was a swing from a profit of Rs 18.00 crore in Q1 FY26 to a loss of Rs 14.00 crore.

What were Fino Payments Bank Q2 FY26 results in the September 2025 quarter?

Ans. Fino Payments Bank Ltd. reported revenue of Rs 60.00 crore and a profit of Rs 15.00 crore in Q2 FY26. Those figures form the base for the Fino Payments Bank Q2 results FY27 comparison.

What are the main Fino Payments Bank Q2 results expectations this quarter?

Ans. No verified analyst estimate is publicly available. The Fino Payments Bank Q2 results expectations centre on revenue against the Rs 60.00 crore base, net profit against a profit of Rs 15.00 crore, and any exceptional item disclosed with the numbers.

What is Fino Payments Bank share price today ahead of the Q2 earnings?

Ans. Fino Payments Bank share price is Rs 138.09 on the NSE as of 15 September 2026, down 1.24% from Rs 139.83. The stock is about 59.3% below its 52-week high of Rs 339.00 and 25.5% above its 52-week low of Rs 110.03, at a market capitalisation of Rs 1,164 crore.

Is Fino Payments Bank a good stock to buy before the Q2 results?

Ans. This article does not offer a buy, sell or hold recommendation on Fino Payments Bank Ltd. The stock trades at a price-to-book ratio of 1.43 with a return on equity of 6.76%. Assess the reported numbers when they are released and consult a SEBI-registered financial advisor before making any decision.