First Fintec Ltd

₹ 9.36 4.93%

11 Sep - close price

About

Incorporated in 2001, First Fintec Ltd is in the IT/ITES, KPO, ed-Tech and Fintech business^[1]

Key Points

Business Overview:^[1]^[2]
FFTL is in the business of Fintec & Edtec and IT/ITES (Education /Healthcare), offering:
a) Fintec:
Fusion of financial services & IT, evolving via Investec and SPAC at First Fintec.
b) Analytics:
Structured, iterative statistical analysis for business/institutional decision‑making, driven by First Fin Research Analytics.
c) Edtec:
Digital/e‑learning suites for K‑10 (CBSE + Maharashtra, Telangana, Andhra Pradesh boards, English & vernacular), simplifying student learning through digital offerings.

Website BSE

Market Cap ₹ 9.73 Cr.
Current Price ₹ 9.36
High / Low ₹ 9.53 / 5.65
Stock P/E 0.94
Book Value ₹ 185
Dividend Yield 0.00 %
ROCE 36.9 %
ROE 24.7 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Stock is trading at 0.05 times its book value
Company is expected to give good quarter

Cons

Tax rate seems low
Company has high debtors of 178 days.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Information Technology Information Technology IT - Software Software Products

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2007	Mar 2008	Jun 2008	Sep 2008	Dec 2008	Mar 2009	Jun 2009	Sep 2009	Dec 2009	Mar 2010	Jun 2010	Sep 2010	Dec 2010
	8.36	8.92	9.52	10.48	10.76	11.05	9.70	11.23	13.47	14.41	16.18	19.88	19.23
	5.58	5.96	6.00	8.23	8.43	8.67	7.66	8.91	10.64	9.38	10.48	12.56	15.65
Operating Profit	2.78	2.96	3.52	2.25	2.33	2.38	2.04	2.32	2.83	5.03	5.70	7.32	3.58
OPM %	33.25%	33.18%	36.97%	21.47%	21.65%	21.54%	21.03%	20.66%	21.01%	34.91%	35.23%	36.82%	18.62%
	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
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	0.12	0.12	0.15	0.15	0.16	0.16	0.16	0.16	0.16	0.16	0.21	0.63	0.34
Profit before tax	2.66	2.84	3.37	2.10	2.17	2.22	1.88	2.16	2.67	4.87	5.49	6.69	3.24
Tax %	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%
	2.66	2.84	3.37	2.10	2.17	2.22	1.88	2.16	2.67	4.87	5.49	6.69	3.24
EPS in Rs	7.16	7.63	9.05	5.63	5.84	5.95	5.05	5.79	7.16	13.05	1.40	1.70	0.82
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2008	Mar 2009	Mar 2010	TTM
	22	42	48	70
	15	31	34	48
Operating Profit	7	11	14	22
OPM %	31%	26%	29%	31%
	0	1	-1	0
Interest	0	0	0	0
Depreciation	0	2	0	1
Profit before tax	7	10	13	20
Tax %	0%	-3%	8%
	7	10	12	20
EPS in Rs	18.74	30.74	37.68	16.97
Dividend Payout %	0%	0%	4%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	53%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	127%

Stock Price CAGR
10 Years:	1%
5 Years:	17%
3 Years:	20%
1 Year:	33%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	23%
Last Year:	25%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2008	Mar 2009	Mar 2010
Equity Capital	19	19	19
Reserves	-1	11	16
	0	0	0
	6	7	11
Total Liabilities	25	37	47
	12	12	14
CWIP	0	0	0
Investments	3	7	7
	10	19	26
Total Assets	25	37	47

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2008	Mar 2009	Mar 2010
	3	2	5
	-13	-8	-6
	11	6	1
Net Cash Flow	1	-1	0
Free Cash Flow	3	-1	-1
CFO/OP	45%	15%	37%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2008	Mar 2009	Mar 2010
Debtor Days	112	136	178
Inventory Days
Days Payable
Cash Conversion Cycle	112	136	178
Working Capital Days	120	149	166
ROCE %		32%	37%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Board of Directors meetings held during the year
count ・Standalone data

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xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx

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E-Education segment share of total turnover
% of total turnover ・Standalone data

IT/ITES segment share of total turnover
% of total turnover ・Standalone data

Number of small public shareholders (individuals holding nominal share capital up to Rs 2 lakh)
count ・Standalone data

Promoter and Promoter Group shareholding
% of total equity ・Standalone data

Total number of shareholders
count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%	47.40%
	52.59%	52.60%	52.60%	52.59%	52.59%	52.59%	52.60%	52.58%	52.59%	52.60%	52.60%	52.60%
No. of Shareholders	11,751	11,725	11,680	11,497	11,464	11,525	11,553	11,502	11,474	11,431	11,390	11,331

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	62.85%	62.85%	62.85%	62.85%	56.56%	50.04%	48.39%	47.40%	47.40%	47.40%	47.40%
	37.15%	37.15%	37.15%	37.15%	43.44%	49.96%	51.60%	52.60%	52.60%	52.60%	52.60%
No. of Shareholders	13,620	12,362	12,039	11,978	11,620	12,068	11,900	11,680	11,553	11,390	11,331

Documents

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First Fintec Ltd

First Fintec Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports