Check Before You Invest : First Fintec Ltd

BSE: 532379 NSE: ISIN: INE683B01047

| Sector: IT & ITES | Industry: IT - Software

Snapshot

Q.1 Which industry/sub-sector does First Fintec Ltd belong to?

First Fintec Ltd belongs to the IT & ITES sector, operating specifically within the IT - Software segment.

Q.2 Is First Fintec Ltd a good quality company?

First Fintec Ltd is a quality company, based on a 10 year financial track record.

Q.3 Is First Fintec Ltd undervalued or overvalued?

First Fintec Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is First Fintec Ltd a good buy now?

First Fintec Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Revenue growth of First Fintec Ltd?

First Fintec Ltd revenue growth is 2.2% for FY-2025 , which is below its 5 year CAGR of 6.6% , indicating slower growth.

Q.2 Gross Profit margin of First Fintec Ltd?

First Fintec Ltd Gross profit margin which is the profit after deduction of direct costs, is 10.7% for FY-2025 , which is above its 5 year median of 5.2% , indicating increasing margins.

Q.3 Operating Profit Margin of First Fintec Ltd?

First Fintec Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is -10.3% for FY-2025 , which is in line with its 5 year median of -10.3% indicating stable margins.

Q.4 Net Profit Margin of First Fintec Ltd?

First Fintec Ltd Net Profit Margin is -5.13% for FY-2025 , is above with its 5 year median of -28.36%, indicating increasing margins.

	Current Level	Historic Median
Gross Profit Margin	10.7	5.2
Operating Profit Margin	-10.3	-10.3
Net Profit Margin	-5.13	-28.36

Q.5 Return on Asset of First Fintec Ltd?

First Fintec Ltd Return on Asset is -0.76(x), which is above its 5 year historical median of -11.88(x), indicating improved asset utilization efficiency.

Q.6 Return on Equity (ROE) of First Fintec Ltd?

First Fintec Ltd Return on equity is -0.88% for FY-2025 , which is above its historical median of -14.16%, indicating the business is making better use of its shareholders capital.

Q.7 Return on capital employed (ROCE) of First Fintec Ltd?

First Fintec Ltd Return on capital employed is 0.2% for FY-2025 , which is below its estimated weighted average cost of capital(WACC) 14%, indicating value preservation.

Q.8 Cash conversion cycle of First Fintec Ltd?

First Fintec Ltd Cash conversion cycle is 134 , below its historical median of 134 , indicating improved working capital management. However, you need to compare this with its peers in the industry.

	Current Level	Historic Median
Asset Turnover	0.15	0.14
ROE	-0.88	-14.16
ROCE	0.2	-15.21
Cash Conversion Cycle	134	134

Q.9 Debt to Equity ratio of First Fintec Ltd?

First Fintec Ltd Debt-to-Equity ratio is 0.02 , which is above with the industry average of 0.01 , indicating higher debt levels in the industry.

Q.10 Debt to cash flow from operations of First Fintec Ltd?

First Fintec Ltd Debt to cash flow from operations is -2.9 , which is at a unhealthy level, indicating the business is not able to service its debt comfortably.

Ownership & governance

Q.1 Promoter shareholding and pledge status of First Fintec Ltd?

Promoters hold 47.40% of the First Fintec Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of First Fintec Ltd vs industry peers?

First Fintec Ltd revenue CAGR is 6.59% , compared to the industry median CAGR of 2.48% , indicating faster growth and gaining its market share.

Profit Metrics

	Current Level	Industry Median
Revenue	1.8	23.6
Gross Profit	0.2	1.9
Operating Profit	-0.2	1.2
Net Profit	-0.1	0.8

Operating Efficiency

	Current Level	Industry Median
Asset Turnover	0.15	0.45
ROE	-0.88	4.09
ROCE	0.2	6.4
Cash Conversion Cycle	134.04	36

Valuation & price assessment

Q.1 Stock return of First Fintec Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 0.5% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price	0.5%	5.6%	20.4%	-13.4%

Q.3 Valuation ratios of First Fintec Ltd vs historical?

The current P/E is similar that its historical median.

Q.4 How do the current valuation ratios measure up against the historic numbers and the current industry numbers?

Valuation Ratios	Current	Historic Median	Industry Median
Price to Earnings	-	0.00	22.96
Price to Book	0.71	0.38	2.61
Price to Sales	3.02	45.97	4.40
EV to EBITDA	26.96	0.00	17.20

Check more companies

1. Tata Elxsi

2. Tata Technologies

3. KPIT Technologies

4. Fractal Analytics

5. Zensar Technologies

6. Birlasoft

7. Cyient

8. Nazara Technologies

9. Intellect Design

10. Amagi Media Labs

Build a Stress-Tested Portfolio.

Our Sapphire Advisory uses the ABC Concept to ensure you never have to panic during a market correction.

Core Stocks

STABILITY

Booster Stocks

GROWTH

Amplifier Stocks

ASYMMETRY

● Conflict-Free ● SEBI Registered ● 15Y+ Track Record

Check Before You Invest : First Fintec Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

MoneyWorks4Me Premium

Follow us at

MoneyWorks4Me

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.