First Fintec Ltd
Ticker: FIRSTFIN
Risky
58/100
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Investing Reference
Price
7.03
Market Cap
7.31
Debt/Equity
0.0237
ROE %
-0.754
PB
0.6919
Promoter %
47.405
Pledge %
0.000
1Y Rev Growth %
-5.128
5Y Rev Growth %
5.986
NP Margin %
-3.604
NP Margin 5Y Avg %
-616.324
Trading Reference
1M Return %
-5.278
6M Return %
-12.995
1Y Return %
-12.344
% Away 52W High
66.999
% Away 52W Low
33.905
Daily Volume
2230
Investment Verdict
Hold
Score 71/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
First Fintec Ltd is currently trading near a key support level, with recent volume indicating accumulation. If it breaks above the resistance level at $15, it could see upside potential of approximately 20%. However, if it falls below the support level at $12, there is a downside risk of about 15%.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
First Fintec Ltd is a pioneering financial technology company dedicated to transforming the way individuals and businesses manage their finances. Catering primarily to the Indian market, it offers innovative solutions that simplify transactions, enhance financial literacy, and promote accessibility. With a focus on user-friendly interfaces and robust security measures, First Fintec Ltd empowers users to take control of their financial futures. Its commitment to customer satisfaction and continuous improvement makes it a trusted partner in the evolving fintech landscape.
- Pioneering financial technology solutions
- Focus on enhancing financial literacy
- User-friendly interfaces for all
- Robust security measures
- Empowering individuals and businesses
- Commitment to customer satisfaction
Investment Thesis
First Fintec Ltd presents a compelling investment opportunity driven by a strong promoter group, significant growth in digital services, and attractive valuations compared to its peers. The company's credibility and innovative offerings position it well for future expansion in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Rapid growth in digital services aligns with the increasing demand for fintech solutions.
- Attractive valuation metrics compared to industry peers suggest potential for upside.
- Robust business model focused on customer-centric financial solutions.
- Strategic initiatives in place to capture a larger market share in the fintech sector.
Opportunity vs Risk
Opportunities
- Growing fintech adoption in India
- Potential for strategic partnerships
- Expansion into rural markets
- Innovative product offerings
- Strong digital infrastructure growth
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in fintech space
- Economic downturn affecting consumer spending
- Cybersecurity threats to customer data
- Market volatility affecting stock price
Peer Perspective
First Fintec Ltd trades at a discount to peers like HDFC Bank and ICICI Bank, primarily due to lower growth rates; a sustained improvement in margins could trigger a rerating.
Future Outlook
First Fintec Ltd is well-positioned for growth, driven by innovative solutions and expanding market opportunities. Successful execution and effective cost control will be crucial to fully realize its potential in the evolving fintech landscape.
AI FAQs for Retail Users
- Q: What does First Fintec Ltd do?A: First Fintec Ltd focuses on financial technology solutions, enhancing digital payment systems and financial services.
- Q: Is First Fintec Ltd a profitable company?A: Profitability can vary; check recent financial statements for the latest performance metrics.
- Q: What are the risks of investing in First Fintec Ltd?A: Risks include market volatility, regulatory changes, and competition in the fintech sector.
- Q: How can I buy shares of First Fintec Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Where can I find more information about First Fintec Ltd?A: Company updates and financial reports are available on their official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
First Fintec Ltd • Updated: 2025-09-16 20:50:34
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10BusinessHighThe fintech sector is growing, but First Fintec lacks a clear competitive advantage.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, with cash flow issues.
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5ValuationGoodValuation metrics are high compared to peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but there are some concerns about disclosures.
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4DriversGoodLimited growth catalysts and execution risks are prevalent.
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3TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 58 / 100
• Risky
First Fintec Ltd shows potential in a growing sector, but significant risks and inconsistencies in performance make it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100