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First Fintec Overview

First Fintec Ltd is an Indian public limited company incorporated in 1995 and based in Kolkata, West Bengal. The company operates in the financial services and investment sector, specializing in investment in shares and securities, trading of financial instruments, and lending activities. Its core business activities include managing investment portfolios, providing loans and credit facilities, and generating returns for shareholders through diversified financial operations. First Fintec Ltd is listed on Indian stock exchanges and adheres to r...Read More

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First Fintec Key Financials

Market Cap ₹7 Cr.

Stock P/E -73.9

P/B 0.6

Current Price ₹6.7

Book Value ₹ 10.4

Face Value 10

52W High ₹9.3

Dividend Yield 0%

52W Low ₹ 5.3

First Fintec Share Price

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Volume
Price

First Fintec Quarterly Price

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First Fintec Peer Comparison

First Fintec Quarterly Results

#(Fig in Cr.) Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
Net Sales 0 0 0 0 0 1 0 1 1 1
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 1 1 0 0 1 1 1 1 1 1
Total Expenditure 0 0 0 0 0 0 1 1 1 1
Operating Profit 0 0 0 -0 0 0 -0 0 0 0
Interest 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 -0 -0 0 0 -0 0 0 0
Provision for Tax -0 -0 -0 0 0 0 0 0 0 0
Profit After Tax 0 0 -0 -0 0 0 -0 0 0 0
Adjustments 0 -0 -0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 -0 -0 0 0 -0 0 0 0
Adjusted Earnings Per Share 0.1 0.1 -0.1 -0.1 0 0.2 -0.3 0.1 0.1 0.2

First Fintec Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 28 14 15 10 7 1 0 1 6 2 2 3
Other Income 1 1 0 0 0 0 0 0 0 1 0 0
Total Income 28 15 15 10 7 2 0 1 6 2 2 4
Total Expenditure 25 14 14 9 6 2 1 1 6 1 2 4
Operating Profit 3 1 1 1 1 -0 -1 -0 0 1 0 0
Interest 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 3 0 1 1 3 4 5 3 2 1 0 0
Exceptional Income / Expenses -2 -0 0 -0 0 0 -2 0 0 0 0 0
Profit Before Tax -2 0 0 0 -2 -5 -7 -4 -2 -0 0 0
Provision for Tax -0 0 0 0 0 0 -0 -0 -0 -0 0 0
Profit After Tax -2 0 0 0 -2 -5 -7 -3 -2 -0 -0 0
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments -2 0 0 0 -2 -5 -7 -3 -2 -0 -0 0
Adjusted Earnings Per Share -1.7 0.1 0.1 0.1 -1.7 -4.7 -6.8 -3.3 -1.6 -0.2 -0.1 0.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 0% 26% 15% -23%
Operating Profit CAGR -100% 0% 0% -100%
PAT CAGR 0% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -19% 9% 7% -1%
ROE Average -1% -6% -15% -10%
ROCE Average 0% -6% -16% -9%

First Fintec Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 34 31 31 31 29 23 16 12 11 11 11
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 1 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2 2 2 2 2 2 2 2 1 1 1
Total Current Liabilities 2 1 1 1 1 1 1 1 1 0 0
Total Liabilities 38 34 34 34 31 26 18 15 13 12 12
Fixed Assets 14 12 11 15 19 20 17 14 12 11 11
Other Non-Current Assets 2 2 2 2 2 2 0 0 0 0 0
Total Current Assets 22 21 21 17 11 5 1 1 1 1 1
Total Assets 38 34 34 34 31 26 18 15 13 12 12

First Fintec Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Operating Activities -0 1 1 5 8 5 1 -0 -0 1 -0
Cash Flow from Investing Activities 1 -1 -1 -5 -8 -5 -0 0 -0 -0 0
Cash Flow from Financing Activities -0 -1 -0 0 -0 0 -0 0 0 -0 0
Net Cash Inflow / Outflow 0 -0 -0 0 -0 0 0 0 -0 -0 0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 0 0 0

First Fintec Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) -1.73 0.05 0.11 0.12 -1.67 -4.7 -6.77 -3.25 -1.59 -0.19 -0.09
CEPS(Rs) 1.35 0.44 0.95 1.29 1.3 -0.39 -2.35 -0.04 0.5 0.91 0.08
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 32.94 29.61 29.44 29.55 27.52 22.56 15.26 12.01 10.42 10.24 10.17
Core EBITDA Margin(%) 8.71 3.33 5.3 11.13 16.23 -43.94 -876.68 -75.04 5.25 17.34 -10.3
EBIT Margin(%) -7.5 3.87 2.09 2.49 -25.23 -355.97 -5577.88 -583.61 -32.03 -14.78 1.2
Pre Tax Margin(%) -8.11 2.99 1.7 2.02 -25.91 -359.4 -5595.66 -585.09 -32.03 -14.79 1.17
PAT Margin (%) -6.48 0.39 0.77 1.21 -26.09 -366.79 -5426.98 -538.55 -28.36 -10.79 -5.13
Cash Profit Margin (%) 5.05 3.19 6.63 13.45 20.25 -30.19 -1887.83 -6.44 8.92 52.81 4.4
ROA(%) -4.48 0.15 0.34 0.36 -5.35 -16.87 -31.37 -20.39 -11.88 -1.52 -0.76
ROE(%) -5.11 0.17 0.38 0.39 -5.86 -18.76 -35.78 -23.85 -14.16 -1.79 -0.88
ROCE(%) -5.67 1.64 0.99 0.8 -5.58 -17.82 -35.86 -25.04 -15.21 -2.36 0.2
Receivable days 209.68 430.17 410.08 535.15 523.84 1027.12 1591.29 28.99 18.59 126.18 143.5
Inventory Days 0 0 0 0 0 151.3 1202.05 120.74 0 0 0
Payable days 0 0 0 0 0 0 0 93.37 5.77 18.69 14.95
PER(x) 0 103.53 122.79 131.13 0 0 0 0 0 0 0
Price/Book(x) 0.2 0.19 0.46 0.52 0.39 0.07 0.34 0.46 0.43 0.56 0.76
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 0.29 0.46 0.98 1.63 1.76 1.71 44.48 9.7 0.92 3.44 4.51
EV/Core EBITDA(x) 2.63 6.48 12.38 11.04 8.32 -8.81 -5.81 -18.44 17.53 7.05 42.01
Net Sales Growth(%) -38.61 -48.73 4.46 -32.7 -33.35 -80.03 -90.26 384.37 827.41 -69.36 2.59
EBIT Growth(%) 62.99 126.48 -43.62 -19.86 -775.33 -181.71 -52.57 49.32 49.11 85.87 108.36
PAT Growth(%) 66 103.08 108.1 4.97 -1538.91 -180.75 -44.07 51.93 51.17 88.34 51.27
EPS Growth(%) 66 103.08 108.1 5.01 -1538.35 -180.76 -44.07 51.93 51.17 88.34 51.27
Debt/Equity(x) 0.04 0.03 0.02 0.02 0.02 0.03 0.02 0.04 0.06 0.02 0.02
Current Ratio(x) 14.36 20.77 17.52 22.17 15.84 5.81 1.51 1.14 1.38 4.75 4.26
Quick Ratio(x) 14.36 20.77 17.52 22.17 15.84 5.15 0.98 0.96 1.38 4.75 4.26
Interest Cover(x) -12.32 4.39 5.31 5.32 -37.11 -103.77 -313.64 -393.19 -3998.15 -765.76 34.43
Total Debt/Mcap(x) 0.2 0.15 0.04 0.03 0.04 0.36 0.07 0.09 0.14 0.03 0.03

First Fintec Shareholding Pattern

# Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Promoter 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4
FII 0 0 0 0 0 0 0 0 0 0
DII 0 0 0 0 0 0 0 0 0 0
Public 52.6 52.6 52.6 52.6 52.6 52.6 52.6 52.6 52.6 52.6
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

First Fintec News

First Fintec Pros & Cons

Pros

  • Stock is trading at 0.6 times its book value
  • Debtor days have improved from 18.69 to 14.95days.
  • Company is almost debt free.

Cons

  • Promoter holding is low: 47.4%.
  • Company has a low return on equity of -6% over the last 3 years.
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