Fino Payments Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2018
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2020 - 2018
Net Income	-	925.35	862.24	650.87	427.41	204.74	Upgrade
Depreciation & Amortization	-	621.5	534.46	418.55	354.5	535.83	Upgrade
Gain (Loss) on Sale of Assets	-	-0.32	-0.13	0.17	3.3	6.37	Upgrade
Gain (Loss) on Sale of Investments	-	32.5	0.23	0.23	-	-	Upgrade
Provision for Credit Losses	-	-	5.6	-	-	40.22	Upgrade
Change in Other Net Operating Assets	-	-6,291	-5,859	-5,562	-1,283	-2,485	Upgrade
Other Operating Activities	-	81.09	26.96	69.83	-37.86	122.95	Upgrade
Operating Cash Flow	-	-4,507	-4,386	-4,346	-504.09	-1,575	Upgrade
Capital Expenditures	-	-1,645	-1,038	-943.41	-643.54	-690.39	Upgrade
Sale of Property, Plant and Equipment	-	0.57	0.26	3.06	0.43	0.92	Upgrade
Investment in Securities	-	-	-	-24.98	-	-	Upgrade
Investing Cash Flow	-	-1,645	-1,038	-965.33	-643.11	-689.46	Upgrade
Long-Term Debt Issued	-	1,268	2,786	1,844	688.58	700.07	Upgrade
Net Debt Issued (Repaid)	-	1,268	2,786	1,844	688.58	700.07	Upgrade
Issuance of Common Stock	-	0.92	-	-	2,834	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	5,269	4,954	4,145	2,579	1,253	Upgrade
Financing Cash Flow	-	6,538	7,740	5,989	6,101	1,953	Upgrade
Net Cash Flow	-	386.39	2,316	677.76	4,953	-311.62	Upgrade
Free Cash Flow	-	-6,152	-5,424	-5,289	-1,148	-2,266	Upgrade
Free Cash Flow Margin	-	-35.55%	-38.77%	-44.73%	-11.55%	-29.14%	Upgrade
Free Cash Flow Per Share	-	-73.64	-65.14	-63.56	-14.34	-29.04	Upgrade
Cash Income Tax Paid	-	127.68	22.43	-34.87	75.29	-95.06	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.