# Fino Paytech Limited
**ISIN:** INE511I01011
**Canonical URL:** https://polemarch.in/invest/fino-paytech-limited
**Type:** Unlisted
**Sector:** Financials
**Market cap bucket:** Mid Cap
**Current quoted price:** ₹0.00 per share

> This is a plain-text / markdown summary of the Polemarch share-detail page, generated server-side for AI retrieval. The live interactive page at the canonical URL above has the same data plus charts, filters, and buy flow.

## Company profile

## Key ratios (as of FY2025, yearly)
### Liquidity Ratios
- **Working Capital:** -1.178753
- **Current Ratio:** 0.96615628
- **Quick Assets:** 33.322635
- **Quick Ratio:** 0.95674164
- **Cash Ratio:** 0.11471864
- **Working Capital To Sales:** -0.07127421
- **Defensive Interval Ratio:** 651.10993285
- **Net Working Capital to Assets:** -0.02704501

### Leverage Ratios
- **Total Debt:** 8.394571999999998
- **Net Debt:** 4.399003
- **Debt to Equity:** 1.00858828
- **Debt to Assets:** 0.19260294
- **Debt To Capital:** 0.50213789
- **Equity Ratio:** 0.19096289
- **Financial Leverage:** 5.23661942
- **Interest Coverage:** 2.09123251
- **EBITDA Interest Coverage:** 2.78731745
- **Net Debt to EBITDA:** 1.50285008
- **Long Term Debt to Equity:** 0
- **Long Term Debt to Capital:** 0
- **Debt to EBITDA:** 2.8678733
- **Net Debt to Equity:** 0.52852997

### Profitability Ratios
- **Effective Tax Rate:** 0.14931062
- **NOPAT:** 1.868209152
- **Invested Capital:** 12.722094
- **Gross Margin:** 0.4538424
- **EBITDA Margin:** 0.17698978
- **EBIT Margin:** 0.1327896
- **Pre Tax Margin:** 0.06929135
- **Net Margin:** 0.05894542
- **Return on Assets:** 0.02236685
- **Return on Equity:** 0.11712668
- **Return on Capital Employed:** 0.25082465
- **Return On Invested Capital:** 0.14684761
- **Pre-Tax ROE:** 0.13768443
- **Cash ROA:** 0.13675813
- **Return on Net Assets:** 0.11134128
- **Operating ROA:** 0.05038704

### Efficiency Ratios
- **Asset Turnover:** 0.37945018
- **Fixed Asset Turnover:** 12.96790698
- **Inventory Turnover:** 0
- **Receivables Turnover:** 24.17884701
- **Payables Turnover:** 0
- **Working Capital Turnover:** -14.03032103
- **Days Sales Outstanding:** 15.09583976
- **Equity Turnover:** 1.98703619
- **Capital Employed Turnover:** 1.98703619

### Cashflow Ratios
- **Operating Cash Flow to Sales:** 0.3604113
- **Operating Cash Flow to Net Income:** 6.11432253
- **Free Cash Flow:** 7.605691000000001
- **Free Cash Flow Margin:** 0.45988396
- **Cash Flow to Debt:** 0.71005216
- **Cash Interest Coverage:** -9.79556876
- **FCF to Net Income:** 7.80186099
- **Capital Expenditure:** -1.6451070000000003
- **Capex to Sales:** -0.09947266
- **Capex to Operating Cashflow:** -0.27599762
- **Dividend Payout Ratio:** 0
- **Retention Ratio:** 1

### Valuation Models
- **Shares Outstanding:** 10.45642
- **Market Cap:** 0
- **Enterprise Value:** 4.399003
- **P/E Ratio:** 0
- **Price / Operating Cash Flow:** 0
- **EV to Assets:** 0.10092961
- **EV to Capital Employed:** 0.50242354
- **EV to Invested Capital:** 0.34577665

### Per Share Metrics
- **EPS (Basic):** 9.3230379
- **Book Value per Share:** 79.59790253
- **Sales per Share:** 158.1639127
- **Operating Cash Flow per Share:** 57.00406066
- **Free Cash Flow per Share:** 72.73704576
- **Cash per Share:** 38.21163457
- **EBITDA per Share:** 27.99339545
- **EBIT per Share:** 21.00252285

### DuPont Analysis
- **DuPont: Tax Burden:** 0.85068938
- **DuPont: Interest Burden:** 0.5218131
- **DuPont: EBIT Margin:** 0.1327896
- **DuPont: Asset Turnover:** 0.37945018
- **DuPont: Equity Multiplier:** 5.23661942
- **DuPont ROE (5-step):** 0.11712668

### Earnings Quality
- **Accruals to Assets:** -0.11439128
- **Accruals to Net Income:** -5.11432253
- **Cash Earnings Coverage:** 6.11432253
- **Capex to Depreciation:** -2.25050377

## Recent price points (last 10)

| Date | Price (₹) |
|---|---:|
| 2026-04-16 | 110 |
| 2026-04-17 | 108 |
| 2026-04-18 | 110 |
| 2026-04-19 | 110 |
| 2026-04-20 | 110 |
| 2026-04-21 | 110 |
| 2026-04-22 | 110 |
| 2026-04-23 | 110 |
| 2026-04-24 | 108 |
| 2026-04-25 | 110 |

---
## Risk disclosure

Unlisted shares are illiquid and can lose their full value. They're illiquid, prices can swing sharply, and a quoted price is only as good as the next willing buyer at that level. Polemarch does not guarantee any return on any share. Talk to a SEBI-registered investment adviser before you put money in. Past performance is not a forecast of future returns.

Canonical (live): https://polemarch.in/invest/fino-paytech-limited
Operator: Mithtech Innovative Solutions Pvt Ltd, Bengaluru, India.