First Fintec Intrinsic Value
FIRSTFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹20.34 | ₹16.27 - ₹24.41 | +200.0% | EPS: ₹3.28, Sector P/E: 12x |
| Book Value Method | asset | ₹11.00 | ₹9.90 - ₹12.10 | +62.2% | Book Value/Share: ₹11.00, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹13.56 | ₹12.20 - ₹14.92 | +100.0% | Revenue/Share: ₹76.00, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹13.56 | ₹12.20 - ₹14.92 | +100.0% | EBITDA: ₹16.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹9.28 | ₹7.42 - ₹11.14 | +36.9% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹20.34 | ₹18.31 - ₹22.37 | +200.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹20.34 | ₹18.31 - ₹22.37 | +200.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹13.56 | ₹12.20 - ₹14.92 | +100.0% | ROE: 109.1%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹20.34 | ₹18.31 - ₹22.37 | +200.0% | EPS: ₹3.28, BVPS: ₹11.00 |
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Valuation Comparison Chart
FIRSTFIN Intrinsic Value Analysis
What is the intrinsic value of FIRSTFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of First Fintec (FIRSTFIN) is ₹13.56 (median value). With the current market price of ₹6.78, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹9.28 to ₹20.34, indicating ₹9.28 - ₹20.34.
Is FIRSTFIN undervalued or overvalued?
Based on our multi-method analysis, First Fintec (FIRSTFIN) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.50 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.09 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 109.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 19.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 6.33x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
Related Pages for First Fintec
Additional stock information and data for FIRSTFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 8/10 |