Share Price and Basic Stock Data
Last Updated: January 6, 2026, 9:26 pm
| PEG Ratio | 2.72 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
First Fintec Ltd operates in the IT Consulting & Software sector, with its stock currently priced at ₹7.60 and a market capitalization of ₹7.90 Cr. The company has shown fluctuating revenue trends over recent quarters, with sales recorded at ₹1.31 Cr in September 2022, peaking at ₹2.59 Cr in December 2022, before declining to ₹0.39 Cr by June 2023. This downward trend continued into the subsequent quarters, with sales of ₹0.43 Cr in September 2023 and ₹0.48 Cr in December 2023. The trailing twelve months (TTM) revenue stands at ₹2.27 Cr, indicating a significant drop compared to previous years. In FY 2023, total sales were recorded at ₹5.83 Cr, a stark contrast to ₹45.23 Cr in FY 2014, highlighting a long-term decline. Such trends raise concerns regarding the company’s ability to sustain and grow revenue in a competitive sector.
Profitability and Efficiency Metrics
First Fintec’s profitability metrics reveal a challenging operational landscape. The company reported a net profit of ₹0.08 Cr, translating to a net profit margin of -5.12% for March 2025, which is notably lower than the typical sector average. Operating profit margins (OPM) fluctuated significantly, with the latest OPM recorded at 8.82%, down from a high of 20.85% in December 2022. The interest coverage ratio (ICR) stood at 0.00x, indicating that the company has been unable to cover its interest obligations, a troubling sign for financial stability. The return on equity (ROE) was low at 0.85%, while return on capital employed (ROCE) was slightly better at 0.28%, suggesting inefficiencies in capital utilization. These figures reflect ongoing operational challenges that could hinder investor confidence and future growth prospects.
Balance Sheet Strength and Financial Ratios
First Fintec’s balance sheet presents a mixed picture of financial health. The company has reported total borrowings of ₹0.18 Cr against reserves of ₹0.28 Cr, indicating a low leverage ratio of 0.02x, which is favorable compared to industry norms. However, the company’s current ratio stood at a robust 4.26, suggesting excellent short-term liquidity. Despite this, the book value per share has declined from ₹15.26 in FY 2021 to ₹10.16 in FY 2025, reflecting a deteriorating asset base. The price-to-book value ratio is currently at 0.75x, indicating that the stock is trading below its book value, which may attract value investors. However, the enterprise value-to-EBITDA ratio of 42.15x signals overvaluation relative to earnings, raising concerns about the sustainability of current valuations amid declining profitability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of First Fintec Ltd indicates a stable but concentrated ownership structure. Promoters hold 47.40% of the shares, with public ownership slightly higher at 52.59%. The total number of shareholders has seen a gradual decline from 11,940 in December 2022 to 11,474 as of September 2025, suggesting potential waning investor interest. With no foreign institutional investors (FIIs) or domestic institutional investors (DIIs) reported, the company’s reliance on retail investors may pose a risk in times of market volatility. The promoter holding has remained relatively stable, which can be a positive sign of commitment. However, the lack of institutional backing may hinder the company’s ability to attract significant capital for growth initiatives.
Outlook, Risks, and Final Insight
First Fintec Ltd faces several challenges that could impact its future trajectory. The declining revenue trend, coupled with low profitability margins, raises concerns about its operational viability. The absence of institutional investors and a shrinking shareholder base further complicate its outlook. Strengths include low leverage and a strong current ratio, which provide some financial cushion. However, the company must address its profitability issues and improve operational efficiencies to regain investor confidence and market traction. Potential scenarios include a turnaround strategy focusing on cost reduction and revenue enhancement or continued struggles that could lead to further declines in market valuation. The management’s ability to navigate these challenges will be critical in determining the company’s future performance and sustainability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| 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 | / | 1.11 | 0.00 % | 2.21 % | 2.23 % | 1.00 | |
| Mudunuru Ltd | 59.1 Cr. | 18.7 | 19.1/4.43 | 0.20 | 0.00 % | 27.0 % | 90.7 % | 2.00 | |
| Naapbooks Ltd | 149 Cr. | 138 | 194/99.8 | 22.8 | 36.4 | 0.00 % | 23.6 % | 17.1 % | 10.0 |
| IB Infotech Enterprises Ltd | 39.7 Cr. | 310 | 314/140 | 28.4 | 26.7 | 0.32 % | 38.5 % | 35.4 % | 10.0 |
| Hit Kit Global Solutions Ltd | 5.87 Cr. | 1.09 | 1.73/0.91 | 2.47 | 0.00 % | 2.14 % | 2.15 % | 2.00 | |
| Industry Average | 20,321.70 Cr | 551.48 | 87.83 | 123.78 | 0.55% | 14.88% | 20.92% | 6.84 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.31 | 2.59 | 1.61 | 0.39 | 0.43 | 0.48 | 0.49 | 0.40 | 0.49 | 0.51 | 0.43 | 0.65 | 0.68 |
| Expenses | 1.26 | 2.05 | 1.73 | 0.39 | 0.35 | 0.36 | 0.38 | 0.47 | 0.45 | 0.42 | 0.68 | 0.61 | 0.62 |
| Operating Profit | 0.05 | 0.54 | -0.12 | 0.00 | 0.08 | 0.12 | 0.11 | -0.07 | 0.04 | 0.09 | -0.25 | 0.04 | 0.06 |
| OPM % | 3.82% | 20.85% | -7.45% | 0.00% | 18.60% | 25.00% | 22.45% | -17.50% | 8.16% | 17.65% | -58.14% | 6.15% | 8.82% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.26 | 0.00 | 0.00 | 0.03 | 0.20 | 0.16 | 0.05 | 0.04 |
| 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 | 0.69 | 0.68 | 0.13 | 0.30 | 0.30 | 0.31 | 0.22 | 0.03 | 0.03 | 0.03 | 0.09 | 0.02 | 0.02 |
| Profit before tax | -0.64 | -0.14 | -0.25 | -0.30 | 0.08 | 0.07 | -0.11 | -0.10 | 0.04 | 0.26 | -0.18 | 0.07 | 0.08 |
| Tax % | 0.00% | -200.00% | 28.00% | -6.67% | -25.00% | -28.57% | 0.00% | 0.00% | 0.00% | 0.00% | 61.11% | 28.57% | 25.00% |
| Net Profit | -0.64 | 0.14 | -0.32 | -0.28 | 0.10 | 0.10 | -0.11 | -0.10 | 0.04 | 0.26 | -0.29 | 0.05 | 0.06 |
| EPS in Rs | -0.62 | 0.13 | -0.31 | -0.27 | 0.10 | 0.10 | -0.11 | -0.10 | 0.04 | 0.25 | -0.28 | 0.05 | 0.06 |
Last Updated: December 27, 2025, 12:04 am
Below is a detailed analysis of the quarterly data for First Fintec Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 0.68 Cr.. The value appears strong and on an upward trend. It has increased from 0.65 Cr. (Jun 2025) to 0.68 Cr., marking an increase of 0.03 Cr..
- For Expenses, as of Sep 2025, the value is 0.62 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.61 Cr. (Jun 2025) to 0.62 Cr., marking an increase of 0.01 Cr..
- For Operating Profit, as of Sep 2025, the value is 0.06 Cr.. The value appears strong and on an upward trend. It has increased from 0.04 Cr. (Jun 2025) to 0.06 Cr., marking an increase of 0.02 Cr..
- For OPM %, as of Sep 2025, the value is 8.82%. The value appears strong and on an upward trend. It has increased from 6.15% (Jun 2025) to 8.82%, marking an increase of 2.67%.
- For Other Income, as of Sep 2025, the value is 0.04 Cr.. The value appears to be declining and may need further review. It has decreased from 0.05 Cr. (Jun 2025) to 0.04 Cr., marking a decrease of 0.01 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.08 Cr.. The value appears strong and on an upward trend. It has increased from 0.07 Cr. (Jun 2025) to 0.08 Cr., marking an increase of 0.01 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.57% (Jun 2025) to 25.00%, marking a decrease of 3.57%.
- For Net Profit, as of Sep 2025, the value is 0.06 Cr.. The value appears strong and on an upward trend. It has increased from 0.05 Cr. (Jun 2025) to 0.06 Cr., marking an increase of 0.01 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.06. The value appears strong and on an upward trend. It has increased from 0.05 (Jun 2025) to 0.06, marking an increase of 0.01.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:44 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 | 2.27 |
| 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 | 2.33 |
| 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 | -0.06 |
| 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% | -2.64% |
| 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 | 0.45 |
| 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 | 0.16 |
| 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 | 0.23 |
| 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 | 0.08 |
| 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 | 0.08 |
| 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: December 10, 2025, 4:18 am
| 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 | Sep 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 | 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 | 0.28 |
| 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 | 0.18 |
| 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 | 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 | 12.43 |
| 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 | 10.93 |
| 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 | 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 | 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 | 1.50 |
| 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 | 12.43 |
Below is a detailed analysis of the balance sheet data for First Fintec Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 10.40 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 10.40 Cr..
- For Reserves, as of Sep 2025, the value is 0.28 Cr.. The value appears strong and on an upward trend. It has increased from 0.17 Cr. (Mar 2025) to 0.28 Cr., marking an increase of 0.11 Cr..
- For Borrowings, as of Sep 2025, the value is 0.18 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 0.25 Cr. (Mar 2025) to 0.18 Cr., marking a decrease of 0.07 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1.57 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.57 Cr..
- For Total Liabilities, as of Sep 2025, the value is 12.43 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.39 Cr. (Mar 2025) to 12.43 Cr., marking an increase of 0.04 Cr..
- For Fixed Assets, as of Sep 2025, the value is 10.93 Cr.. The value appears to be declining and may need further review. It has decreased from 10.97 Cr. (Mar 2025) to 10.93 Cr., marking a decrease of 0.04 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 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 Other Assets, as of Sep 2025, the value is 1.50 Cr.. The value appears strong and on an upward trend. It has increased from 1.42 Cr. (Mar 2025) to 1.50 Cr., marking an increase of 0.08 Cr..
- For Total Assets, as of Sep 2025, the value is 12.43 Cr.. The value appears strong and on an upward trend. It has increased from 12.39 Cr. (Mar 2025) to 12.43 Cr., marking an increase of 0.04 Cr..
Notably, the Reserves (0.28 Cr.) exceed the Borrowings (0.18 Cr.), indicating a solid financial buffer.
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
| 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
| 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: 14.88%)
- 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: 20.92%)
- 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: 92.5 (Industry average Stock P/E: 87.83)
- 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 | Contact not found |
| 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 06 January 2026) is ₹6.61 which is 7.03% lower the current market price of ₹7.11, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7.40 Cr. market cap, FY2025-2026 high/low of ₹10.9/5.25, reserves of ₹0.28 Cr, and liabilities of ₹12.43 Cr.
What is the Market Cap of First Fintec Ltd?
The Market Cap of First Fintec Ltd is 7.40 Cr..
What is the current Stock Price of First Fintec Ltd as on 06 January 2026?
The current stock price of First Fintec Ltd as on 06 January 2026 is ₹7.11.
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 ₹10.9/5.25.
What is the Stock P/E of First Fintec Ltd?
The Stock P/E of First Fintec Ltd is 92.5.
What is the Book Value of First Fintec Ltd?
The Book Value of First Fintec Ltd is 10.3.
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.