Share Price and Basic Stock Data
Last Updated: November 5, 2025, 7:10 pm
| PEG Ratio | 3.36 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
First Fintec Ltd operates in the IT Consulting & Software industry, focusing on providing technology solutions. The company reported a market capitalization of ₹7.19 Cr and a share price of ₹6.91. Over the past several quarters, revenue has shown volatility. Sales increased from ₹0.32 Cr in June 2022 to a peak of ₹2.59 Cr in December 2022, followed by a decline to ₹0.39 Cr in June 2023. Subsequent quarters showed marginal recovery, with sales standing at ₹0.43 Cr in September 2023 and ₹0.48 Cr in December 2023. For the trailing twelve months (TTM), revenue stood at ₹2.08 Cr, reflecting a significant decrease compared to historical highs. This inconsistent revenue trend raises concerns about the company’s ability to stabilize its income, particularly given the competitive landscape of the IT sector. The company’s operational challenges are evident, as it grapples with fluctuating demand and market pressures, which could hinder long-term growth prospects.
Profitability and Efficiency Metrics
First Fintec Ltd’s profitability metrics indicate a challenging financial environment. The company reported a net profit of ₹0.06 Cr, translating to a net profit margin of -5.12% for the year ending March 2025. The operating profit margin (OPM) stood at 6.15%, with operating profits fluctuating significantly across quarters, peaking at 25% in December 2023. However, the company’s interest coverage ratio was recorded at 0.00x, indicating that it currently does not generate enough earnings to cover interest obligations. The return on equity (ROE) stood at 0.85%, while the return on capital employed (ROCE) was a mere 0.28%, both of which are below the typical benchmarks for profitable IT firms. Additionally, the cash conversion cycle has worsened to 153.58 days, suggesting inefficiencies in managing receivables and inventory. These factors highlight the urgent need for First Fintec to improve its operational efficiency to enhance profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of First Fintec Ltd shows a precarious financial position. The company reported total borrowings of ₹0.25 Cr against reserves of ₹0.17 Cr, reflecting a debt-to-equity ratio of 0.02, indicating low leverage. However, the company’s total assets declined to ₹12.39 Cr, down from ₹41.84 Cr in FY 2014, showcasing a worrying trend of asset depletion. The book value per share stood at ₹10.16, slightly decreasing from previous years. The current ratio is notably high at 4.26, signaling strong liquidity; however, the lack of profitability and a weak interest coverage ratio suggest that this liquidity may not be effectively utilized to generate returns. The enterprise value (EV) of ₹8.26 Cr and price-to-book value (P/BV) of 0.75x indicate that the market values the company at a discount to its book value, which may reflect investor skepticism regarding future performance. Overall, while the balance sheet has some liquidity strength, the declining asset base raises concerns.
Shareholding Pattern and Investor Confidence
The shareholding pattern of First Fintec Ltd reflects a mixed sentiment among investors. Promoters hold 47.40% of the company, while public shareholders account for 52.58%. The total number of shareholders has decreased from 11,994 in September 2022 to 11,502 in June 2025, indicating a decline in investor interest. This reduction in shareholder numbers could signal waning confidence in the company’s future performance, particularly given its recent financial struggles. The absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) further underscores the lack of institutional backing, which typically provides stability and confidence to retail investors. The relatively high public shareholding may also contribute to increased volatility in the stock price, especially in light of the company’s inconsistent performance. Therefore, First Fintec must work on enhancing its operational performance to regain investor trust and stabilize its shareholder base.
Outlook, Risks, and Final Insight
Looking ahead, First Fintec Ltd faces several challenges that could impact its operational viability and market position. The company’s declining revenues and profitability metrics present significant risks, particularly in an industry characterized by rapid technological advancements and competitive pressures. Additionally, the high cash conversion cycle indicates inefficiencies that could further strain liquidity and operational capabilities. However, if the company can streamline its operations and improve its sales strategy, there exists potential for recovery. Strengths such as a low debt level offer some financial flexibility, and a focus on operational efficiency could enhance profitability. The ability to regain investor confidence and attract institutional support will be crucial for First Fintec in navigating these challenges. In summary, while the company has potential, it must address its operational inefficiencies and financial health to secure a more favorable outlook in the competitive IT consulting landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of First Fintec Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Visesh Infotecnics Ltd | 125 Cr. | 0.33 | 0.38/0.33 | 1.12 | 0.00 % | 2.21 % | 2.23 % | 1.00 | |
| Mudunuru Ltd | 34.2 Cr. | 10.8 | 10.8/4.43 | 0.25 | 0.00 % | 27.0 % | 90.7 % | 2.00 | |
| Naapbooks Ltd | 157 Cr. | 146 | 194/99.8 | 35.1 | 33.2 | 0.00 % | 23.6 % | 17.1 % | 10.0 |
| IB Infotech Enterprises Ltd | 32.9 Cr. | 257 | 310/140 | 23.5 | 26.7 | 0.39 % | 38.5 % | 35.4 % | 10.0 |
| Hit Kit Global Solutions Ltd | 6.45 Cr. | 1.32 | 1.73/0.91 | 58.6 | 2.52 | 0.00 % | 2.14 % | 2.15 % | 2.00 |
| Industry Average | 19,081.61 Cr | 567.99 | 143.42 | 119.50 | 0.53% | 14.92% | 20.95% | 6.84 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.32 | 1.31 | 2.59 | 1.61 | 0.39 | 0.43 | 0.48 | 0.49 | 0.40 | 0.49 | 0.51 | 0.43 | 0.65 |
| Expenses | 0.48 | 1.26 | 2.05 | 1.73 | 0.39 | 0.35 | 0.36 | 0.38 | 0.47 | 0.45 | 0.42 | 0.68 | 0.61 |
| Operating Profit | -0.16 | 0.05 | 0.54 | -0.12 | 0.00 | 0.08 | 0.12 | 0.11 | -0.07 | 0.04 | 0.09 | -0.25 | 0.04 |
| OPM % | -50.00% | 3.82% | 20.85% | -7.45% | 0.00% | 18.60% | 25.00% | 22.45% | -17.50% | 8.16% | 17.65% | -58.14% | 6.15% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.26 | 0.00 | 0.00 | 0.03 | 0.20 | 0.16 | 0.05 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.68 | 0.69 | 0.68 | 0.13 | 0.30 | 0.30 | 0.31 | 0.22 | 0.03 | 0.03 | 0.03 | 0.09 | 0.02 |
| Profit before tax | -0.84 | -0.64 | -0.14 | -0.25 | -0.30 | 0.08 | 0.07 | -0.11 | -0.10 | 0.04 | 0.26 | -0.18 | 0.07 |
| Tax % | 0.00% | 0.00% | -200.00% | 28.00% | -6.67% | -25.00% | -28.57% | 0.00% | 0.00% | 0.00% | 0.00% | 61.11% | 28.57% |
| Net Profit | -0.84 | -0.64 | 0.14 | -0.32 | -0.28 | 0.10 | 0.10 | -0.11 | -0.10 | 0.04 | 0.26 | -0.29 | 0.05 |
| EPS in Rs | -0.81 | -0.62 | 0.13 | -0.31 | -0.27 | 0.10 | 0.10 | -0.11 | -0.10 | 0.04 | 0.25 | -0.28 | 0.05 |
Last Updated: August 19, 2025, 3:40 pm
Below is a detailed analysis of the quarterly data for First Fintec Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.65 Cr.. The value appears strong and on an upward trend. It has increased from 0.43 Cr. (Mar 2025) to 0.65 Cr., marking an increase of 0.22 Cr..
- For Expenses, as of Jun 2025, the value is 0.61 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.68 Cr. (Mar 2025) to 0.61 Cr., marking a decrease of 0.07 Cr..
- For Operating Profit, as of Jun 2025, the value is 0.04 Cr.. The value appears strong and on an upward trend. It has increased from -0.25 Cr. (Mar 2025) to 0.04 Cr., marking an increase of 0.29 Cr..
- For OPM %, as of Jun 2025, the value is 6.15%. The value appears strong and on an upward trend. It has increased from -58.14% (Mar 2025) to 6.15%, marking an increase of 64.29%.
- For Other Income, as of Jun 2025, the value is 0.05 Cr.. The value appears to be declining and may need further review. It has decreased from 0.16 Cr. (Mar 2025) to 0.05 Cr., marking a decrease of 0.11 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.02 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.09 Cr. (Mar 2025) to 0.02 Cr., marking a decrease of 0.07 Cr..
- For Profit before tax, as of Jun 2025, the value is 0.07 Cr.. The value appears strong and on an upward trend. It has increased from -0.18 Cr. (Mar 2025) to 0.07 Cr., marking an increase of 0.25 Cr..
- For Tax %, as of Jun 2025, the value is 28.57%. The value appears to be improving (decreasing) as expected. It has decreased from 61.11% (Mar 2025) to 28.57%, marking a decrease of 32.54%.
- For Net Profit, as of Jun 2025, the value is 0.05 Cr.. The value appears strong and on an upward trend. It has increased from -0.29 Cr. (Mar 2025) to 0.05 Cr., marking an increase of 0.34 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.05. The value appears strong and on an upward trend. It has increased from -0.28 (Mar 2025) to 0.05, marking an increase of 0.33.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:21 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 45.23 | 27.77 | 14.24 | 14.87 | 10.01 | 6.67 | 1.33 | 0.13 | 0.63 | 5.83 | 1.78 | 1.83 | 2.08 |
| Expenses | 46.91 | 25.34 | 13.77 | 14.08 | 8.89 | 5.59 | 1.91 | 1.27 | 1.10 | 5.52 | 1.47 | 2.02 | 2.16 |
| Operating Profit | -1.68 | 2.43 | 0.47 | 0.79 | 1.12 | 1.08 | -0.58 | -1.14 | -0.47 | 0.31 | 0.31 | -0.19 | -0.08 |
| OPM % | -3.71% | 8.75% | 3.30% | 5.31% | 11.19% | 16.19% | -43.61% | -876.92% | -74.60% | 5.32% | 17.42% | -10.38% | -3.85% |
| Other Income | 0.46 | -1.31 | 0.48 | 0.39 | 0.36 | 0.33 | 0.33 | -1.51 | 0.15 | 0.00 | 0.56 | 0.39 | 0.44 |
| Interest | 0.17 | 0.17 | 0.13 | 0.06 | 0.05 | 0.05 | 0.05 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 4.41 | 3.20 | 0.40 | 0.87 | 1.23 | 3.09 | 4.48 | 4.59 | 3.34 | 2.17 | 1.14 | 0.17 | 0.17 |
| Profit before tax | -5.80 | -2.25 | 0.42 | 0.25 | 0.20 | -1.73 | -4.78 | -7.26 | -3.67 | -1.86 | -0.27 | 0.03 | 0.19 |
| Tax % | -8.79% | -20.00% | 88.10% | 56.00% | 40.00% | 0.58% | 2.09% | -3.03% | -7.90% | -11.29% | -25.93% | 366.67% | |
| Net Profit | -5.29 | -1.80 | 0.06 | 0.12 | 0.12 | -1.74 | -4.89 | -7.04 | -3.38 | -1.65 | -0.19 | -0.09 | 0.06 |
| EPS in Rs | -5.09 | -1.73 | 0.06 | 0.12 | 0.12 | -1.67 | -4.70 | -6.77 | -3.25 | -1.59 | -0.18 | -0.09 | 0.06 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 65.97% | 103.33% | 100.00% | 0.00% | -1550.00% | -181.03% | -43.97% | 51.99% | 51.18% | 88.48% | 52.63% |
| Change in YoY Net Profit Growth (%) | 0.00% | 37.36% | -3.33% | -100.00% | -1550.00% | 1368.97% | 137.07% | 95.96% | -0.81% | 37.30% | -35.85% |
First Fintec Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -24% |
| 5 Years: | 7% |
| 3 Years: | 43% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 15% |
| 3 Years: | 25% |
| TTM: | 700% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 8% |
| 3 Years: | 25% |
| 1 Year: | 16% |
| Return on Equity | |
|---|---|
| 10 Years: | -8% |
| 5 Years: | -16% |
| 3 Years: | -6% |
| Last Year: | -1% |
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: October 10, 2025, 4:03 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 | 10.40 |
| Reserves | 25.66 | 23.86 | 20.40 | 20.22 | 20.34 | 18.22 | 13.06 | 5.47 | 2.09 | 0.44 | 0.25 | 0.17 |
| Borrowings | 1.74 | 1.37 | 0.87 | 0.50 | 0.50 | 0.49 | 0.62 | 0.38 | 0.53 | 0.68 | 0.21 | 0.25 |
| Other Liabilities | 4.04 | 2.84 | 2.53 | 2.78 | 2.41 | 2.34 | 2.39 | 2.15 | 1.76 | 1.51 | 1.42 | 1.57 |
| Total Liabilities | 41.84 | 38.47 | 34.20 | 33.90 | 33.65 | 31.45 | 26.47 | 18.40 | 14.78 | 13.03 | 12.28 | 12.39 |
| Fixed Assets | 16.51 | 14.36 | 11.55 | 11.49 | 15.10 | 19.13 | 19.81 | 17.40 | 14.06 | 12.00 | 11.04 | 10.97 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 3.72 | 1.87 | 1.79 | 1.79 | 1.78 | 1.78 | 1.78 | 0.13 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 21.61 | 22.24 | 20.86 | 20.62 | 16.77 | 10.54 | 4.88 | 0.87 | 0.72 | 1.03 | 1.24 | 1.42 |
| Total Assets | 41.84 | 38.47 | 34.20 | 33.90 | 33.65 | 31.45 | 26.47 | 18.40 | 14.78 | 13.03 | 12.28 | 12.39 |
Below is a detailed analysis of the balance sheet data for First Fintec Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 10.40 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 10.40 Cr..
- For Reserves, as of Mar 2025, the value is 0.17 Cr.. The value appears to be declining and may need further review. It has decreased from 0.25 Cr. (Mar 2024) to 0.17 Cr., marking a decrease of 0.08 Cr..
- For Borrowings, as of Mar 2025, the value is 0.25 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 0.21 Cr. (Mar 2024) to 0.25 Cr., marking an increase of 0.04 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1.57 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.42 Cr. (Mar 2024) to 1.57 Cr., marking an increase of 0.15 Cr..
- For Total Liabilities, as of Mar 2025, the value is 12.39 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.28 Cr. (Mar 2024) to 12.39 Cr., marking an increase of 0.11 Cr..
- For Fixed Assets, as of Mar 2025, the value is 10.97 Cr.. The value appears to be declining and may need further review. It has decreased from 11.04 Cr. (Mar 2024) to 10.97 Cr., marking a decrease of 0.07 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1.42 Cr.. The value appears strong and on an upward trend. It has increased from 1.24 Cr. (Mar 2024) to 1.42 Cr., marking an increase of 0.18 Cr..
- For Total Assets, as of Mar 2025, the value is 12.39 Cr.. The value appears strong and on an upward trend. It has increased from 12.28 Cr. (Mar 2024) to 12.39 Cr., marking an increase of 0.11 Cr..
However, the Borrowings (0.25 Cr.) are higher than the Reserves (0.17 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -3.42 | 1.06 | -0.40 | 0.29 | 0.62 | 0.59 | -1.20 | -1.52 | -1.00 | -0.37 | 0.10 | -0.44 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 122.02 | 220.55 | 429.85 | 408.45 | 463.45 | 352.41 | 290.90 | 196.54 | 17.38 | 35.69 | 137.39 | 153.58 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 122.02 | 220.55 | 429.85 | 408.45 | 463.45 | 352.41 | 290.90 | 196.54 | 17.38 | 35.69 | 137.39 | 153.58 |
| Working Capital Days | 155.75 | 270.50 | 508.03 | 476.68 | 583.05 | 539.57 | 1,097.74 | 589.62 | -40.56 | 16.90 | 198.90 | 211.42 |
| ROCE % | -13.82% | -0.46% | 1.81% | 0.99% | 0.83% | -5.57% | -17.79% | -27.72% | -25.08% | -15.16% | -2.41% | 0.28% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -0.09 | -0.19 | -1.59 | -3.25 | -6.77 |
| Diluted EPS (Rs.) | -0.09 | -0.19 | -1.59 | -3.25 | -6.77 |
| Cash EPS (Rs.) | 0.07 | 0.90 | 0.49 | -0.03 | -2.35 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 10.16 | 10.24 | 10.42 | 12.01 | 15.26 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 10.16 | 10.24 | 10.42 | 12.01 | 15.26 |
| Revenue From Operations / Share (Rs.) | 1.76 | 1.72 | 5.60 | 0.60 | 0.12 |
| PBDIT / Share (Rs.) | 0.18 | 0.83 | 0.29 | -0.31 | -0.95 |
| PBIT / Share (Rs.) | 0.02 | -0.25 | -1.79 | -3.53 | -5.37 |
| PBT / Share (Rs.) | 0.02 | -0.25 | -1.79 | -3.54 | -5.39 |
| Net Profit / Share (Rs.) | -0.09 | -0.18 | -1.59 | -3.25 | -6.77 |
| PBDIT Margin (%) | 10.69 | 48.80 | 5.23 | -52.64 | -765.92 |
| PBIT Margin (%) | 1.16 | -14.79 | -32.03 | -584.75 | -4305.07 |
| PBT Margin (%) | 1.16 | -14.79 | -32.03 | -586.21 | -4322.65 |
| Net Profit Margin (%) | -5.12 | -10.78 | -28.35 | -538.54 | -5426.97 |
| Return on Networth / Equity (%) | -0.88 | -1.80 | -15.23 | -27.07 | -44.33 |
| Return on Capital Employeed (%) | 0.17 | -2.19 | -15.19 | -25.96 | -31.32 |
| Return On Assets (%) | -0.75 | -1.56 | -12.68 | -22.88 | -38.25 |
| Total Debt / Equity (X) | 0.02 | 0.01 | 0.06 | 0.04 | 0.02 |
| Asset Turnover Ratio (%) | 0.14 | 0.14 | 0.41 | 0.03 | 0.01 |
| Current Ratio (X) | 4.26 | 4.75 | 1.38 | 1.14 | 1.51 |
| Quick Ratio (X) | 4.26 | 4.75 | 1.38 | 0.96 | 0.97 |
| Interest Coverage Ratio (X) | 0.00 | 0.00 | 0.00 | -36.05 | -43.57 |
| Interest Coverage Ratio (Post Tax) (X) | 0.00 | 0.00 | 0.00 | -368.52 | -235.31 |
| Enterprise Value (Cr.) | 8.26 | 6.15 | 5.36 | 6.10 | 5.77 |
| EV / Net Operating Revenue (X) | 4.51 | 3.44 | 0.91 | 9.70 | 44.48 |
| EV / EBITDA (X) | 42.15 | 7.06 | 17.55 | -18.43 | -5.81 |
| MarketCap / Net Operating Revenue (X) | 4.39 | 3.33 | 0.80 | 9.12 | 42.11 |
| Price / BV (X) | 0.75 | 0.55 | 0.43 | 0.45 | 0.34 |
| Price / Net Operating Revenue (X) | 4.39 | 3.34 | 0.80 | 9.14 | 42.34 |
| EarningsYield | -0.01 | -0.03 | -0.35 | -0.59 | -1.29 |
After reviewing the key financial ratios for First Fintec Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -0.09. This value is below the healthy minimum of 5. It has increased from -0.19 (Mar 24) to -0.09, marking an increase of 0.10.
- For Diluted EPS (Rs.), as of Mar 25, the value is -0.09. This value is below the healthy minimum of 5. It has increased from -0.19 (Mar 24) to -0.09, marking an increase of 0.10.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.07. This value is below the healthy minimum of 3. It has decreased from 0.90 (Mar 24) to 0.07, marking a decrease of 0.83.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 10.16. It has decreased from 10.24 (Mar 24) to 10.16, marking a decrease of 0.08.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 10.16. It has decreased from 10.24 (Mar 24) to 10.16, marking a decrease of 0.08.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1.76. It has increased from 1.72 (Mar 24) to 1.76, marking an increase of 0.04.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.18. This value is below the healthy minimum of 2. It has decreased from 0.83 (Mar 24) to 0.18, marking a decrease of 0.65.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.02. This value is within the healthy range. It has increased from -0.25 (Mar 24) to 0.02, marking an increase of 0.27.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.02. This value is within the healthy range. It has increased from -0.25 (Mar 24) to 0.02, marking an increase of 0.27.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -0.09. This value is below the healthy minimum of 2. It has increased from -0.18 (Mar 24) to -0.09, marking an increase of 0.09.
- For PBDIT Margin (%), as of Mar 25, the value is 10.69. This value is within the healthy range. It has decreased from 48.80 (Mar 24) to 10.69, marking a decrease of 38.11.
- For PBIT Margin (%), as of Mar 25, the value is 1.16. This value is below the healthy minimum of 10. It has increased from -14.79 (Mar 24) to 1.16, marking an increase of 15.95.
- For PBT Margin (%), as of Mar 25, the value is 1.16. This value is below the healthy minimum of 10. It has increased from -14.79 (Mar 24) to 1.16, marking an increase of 15.95.
- For Net Profit Margin (%), as of Mar 25, the value is -5.12. This value is below the healthy minimum of 5. It has increased from -10.78 (Mar 24) to -5.12, marking an increase of 5.66.
- For Return on Networth / Equity (%), as of Mar 25, the value is -0.88. This value is below the healthy minimum of 15. It has increased from -1.80 (Mar 24) to -0.88, marking an increase of 0.92.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.17. This value is below the healthy minimum of 10. It has increased from -2.19 (Mar 24) to 0.17, marking an increase of 2.36.
- For Return On Assets (%), as of Mar 25, the value is -0.75. This value is below the healthy minimum of 5. It has increased from -1.56 (Mar 24) to -0.75, marking an increase of 0.81.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.02. This value is within the healthy range. It has increased from 0.01 (Mar 24) to 0.02, marking an increase of 0.01.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. There is no change compared to the previous period (Mar 24) which recorded 0.14.
- For Current Ratio (X), as of Mar 25, the value is 4.26. This value exceeds the healthy maximum of 3. It has decreased from 4.75 (Mar 24) to 4.26, marking a decrease of 0.49.
- For Quick Ratio (X), as of Mar 25, the value is 4.26. This value exceeds the healthy maximum of 2. It has decreased from 4.75 (Mar 24) to 4.26, marking a decrease of 0.49.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Enterprise Value (Cr.), as of Mar 25, the value is 8.26. It has increased from 6.15 (Mar 24) to 8.26, marking an increase of 2.11.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 4.51. This value exceeds the healthy maximum of 3. It has increased from 3.44 (Mar 24) to 4.51, marking an increase of 1.07.
- For EV / EBITDA (X), as of Mar 25, the value is 42.15. This value exceeds the healthy maximum of 15. It has increased from 7.06 (Mar 24) to 42.15, marking an increase of 35.09.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.39. This value exceeds the healthy maximum of 3. It has increased from 3.33 (Mar 24) to 4.39, marking an increase of 1.06.
- For Price / BV (X), as of Mar 25, the value is 0.75. This value is below the healthy minimum of 1. It has increased from 0.55 (Mar 24) to 0.75, marking an increase of 0.20.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.39. This value exceeds the healthy maximum of 3. It has increased from 3.34 (Mar 24) to 4.39, marking an increase of 1.05.
- For EarningsYield, as of Mar 25, the value is -0.01. This value is below the healthy minimum of 5. It has increased from -0.03 (Mar 24) to -0.01, marking an increase of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in First Fintec Ltd:
- Net Profit Margin: -5.12%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0.17% (Industry Average ROCE: 14.92%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -0.88% (Industry Average ROE: 20.95%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 4.26
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 114 (Industry average Stock P/E: 143.42)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.02
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -5.12%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| IT Consulting & Software | 302, The Bureau Chambers, Above State Bank of India, Mumbai Maharashtra 400071 | info@firstfintec.com www.firstfintec.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Abhishek Kotulkar | Chairman & Director |
| Dr.(Mrs.) Leena Vivek | Director |
| Dr. V S R Sastry | Director |
FAQ
What is the intrinsic value of First Fintec Ltd?
First Fintec Ltd's intrinsic value (as of 05 November 2025) is 8.07 which is 22.09% higher the current market price of 6.61, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 6.87 Cr. market cap, FY2025-2026 high/low of 11.7/5.25, reserves of ₹0.17 Cr, and liabilities of 12.39 Cr.
What is the Market Cap of First Fintec Ltd?
The Market Cap of First Fintec Ltd is 6.87 Cr..
What is the current Stock Price of First Fintec Ltd as on 05 November 2025?
The current stock price of First Fintec Ltd as on 05 November 2025 is 6.61.
What is the High / Low of First Fintec Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of First Fintec Ltd stocks is 11.7/5.25.
What is the Stock P/E of First Fintec Ltd?
The Stock P/E of First Fintec Ltd is 114.
What is the Book Value of First Fintec Ltd?
The Book Value of First Fintec Ltd is 10.2.
What is the Dividend Yield of First Fintec Ltd?
The Dividend Yield of First Fintec Ltd is 0.00 %.
What is the ROCE of First Fintec Ltd?
The ROCE of First Fintec Ltd is 0.28 %.
What is the ROE of First Fintec Ltd?
The ROE of First Fintec Ltd is 0.85 %.
What is the Face Value of First Fintec Ltd?
The Face Value of First Fintec Ltd is 10.0.