DSE : FIRSTFIN
First Finance PLC — Financial statements
Water Transportation · Bangladesh
Last price 4.2 BDT (At close: Oct 29, 2026) · Market cap 497.89M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 179.08M | 218.82M | 253.33M | 549.70M | 179.93M | -7.50M |
| Total Interest Expense | 694.37M | 733.30M | 687.29M | 693.23M | 674.26M | 707.95M |
| Net Interest Income | -515.30M | -514.47M | -433.95M | -143.53M | -494.32M | -715.45M |
| Other Revenue | 321.80K | 3.21M | 9.52M | 4.62M | -653.00M | |
| Revenue Before Loan Losses | -515.30M | -514.15M | -430.75M | -134.02M | -489.70M | -1.37B |
| Provision for Loan Losses | -82.24M | 87.94M | 136.13M | 119.35M | 1.05B | 573.77M |
| Revenue | -433.05M | -602.09M | -566.88M | -253.37M | -1.54B | -1.94B |
| Salaries & Employee Benefits | 85.92M | 86.98M | 89.29M | 93.98M | 98.51M | 112.92M |
| Cost of Services Provided | 14.27M | 15.85M | 11.42M | 20.32M | 19.76M | 19.97M |
| Other Operating Expenses | 51.03M | 59.50M | 176.67K | 11.01M | 39.76M | 102.90M |
| Total Operating Expenses | 176.10M | 185.20M | 124.86M | 147.57M | 181.96M | 264.35M |
| Operating Income | -609.15M | -787.29M | -691.73M | -400.93M | -1.72B | -2.21B |
| EBT Excluding Unusual Items | -609.15M | -787.29M | -691.73M | -400.93M | -1.72B | -2.21B |
| Gain (Loss) on Sale of Investments | -162.45K | -380.66K | -3.84M | -7.71K | -914.28K | 16.11M |
| Pretax Income | -609.32M | -787.71M | -695.57M | -404.34M | -1.72B | -2.19B |
| Income Tax Expense | -70.73K | 2.09M | 1.18M | 3.18M | 708.40K | -357.78K |
| Net Income | -609.25M | -789.79M | -696.76M | -407.53M | -1.72B | -2.19B |
| Net Income to Common | -609.25M | -789.79M | -696.76M | -407.53M | -1.72B | -2.19B |
| Shares Outstanding (Basic) | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M |
| Shares Outstanding (Diluted) | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M |
| EPS (Basic) | -5.14 | -6.66 | -5.88 | -3.44 | -14.52 | -18.47 |
| EPS (Diluted) | -5.14 | -6.66 | -5.88 | -3.44 | -14.52 | -18.47 |
| Free Cash Flow | -33.00M | -88.32M | -83.52M | 48.61M | 44.42M | 23.39M |
| Free Cash Flow Per Share | -0.28 | -0.74 | -0.70 | 0.41 | 0.38 | 0.20 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 440.34M | 454.52M | 465.55M | 501.55M | 421.65M | 462.84M |
| Long-Term Investments | 24.48M | 24.95M | 10.68M | 13.09M | 10.53M | 16.78M |
| Loans & Lease Receivables | 7.37B | 7.47B | 7.59B | 8.20B | 9.24B | 8.96B |
| Other Receivables | 45.31M | 42.52M | 58.17M | 65.92M | 101.63M | |
| Property, Plant & Equipment | 65.50M | 65.90M | 85.66M | 64.87M | 87.04M | 96.35M |
| Other Intangible Assets | 2.77M | 3.28M | 4.10M | 5.12M | 5.84M | |
| Other Current Assets | 497.97M | 490.51M | 475.19M | 470.41M | 464.84M | |
| Long-Term Deferred Tax Assets | 3.48M | 3.36M | ||||
| Other Long-Term Assets | 752.62M | 196.89M | 176.88M | 180.17M | 196.16M | 196.09M |
| Total Assets | 8.65B | 8.76B | 8.87B | 9.50B | 10.49B | 10.30B |
| Interest Bearing Deposits | 6.26B | 6.25B | 6.22B | 6.30B | 6.38B | 6.29B |
| Total Deposits | 6.26B | 6.25B | 6.22B | 6.30B | 6.38B | 6.29B |
| Accrued Expenses | 1.14B | 782.38M | 442.82M | 366.59M | 351.55M | |
| Short-Term Debt | 152.00M | 162.30M | 181.20M | 196.10M | 204.10M | |
| Current Portion of Long-Term Debt | 844.08M | 305.17M | 304.17M | 823.67M | 804.05M | |
| Long-Term Debt | 1.27B | 286.85M | 724.03M | 661.00M | 111.76M | 215.38M |
| Long-Term Leases | 19.45M | 33.47M | 6.74M | 19.51M | 20.22M | |
| Current Income Taxes Payable | 485.90M | 317.26M | 652.54M | 571.02M | 522.34M | |
| Other Current Liabilities | 396.30M | 365.39M | 76.31K | 76.31K | 594.53K | |
| Long-Term Deferred Tax Liabilities | -2.99M | -2.75M | -2.33M | |||
| Pension & Post-Retirement Benefits | 24.12M | 12.24M | 122.11K | 87.11K | 65.44K | |
| Other Long-Term Liabilities | 6.82B | 4.62B | 4.43B | 4.75B | 5.45B | 3.59B |
| Total Liabilities | 14.36B | 14.22B | 13.36B | 13.30B | 13.91B | 12.00B |
| Common Stock | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B | 1.19B |
| Retained Earnings | -6.89B | -6.64B | -5.67B | -4.99B | -4.60B | -2.88B |
| Comprehensive Income & Other | -2.00 | |||||
| Shareholders' Equity | -5.71B | -5.45B | -4.49B | -3.80B | -3.42B | -1.70B |
| Total Liabilities & Equity | 8.65B | 8.76B | 8.87B | 9.50B | 10.49B | 10.30B |
| Total Debt | 1.27B | 1.30B | 1.22B | 1.15B | 1.15B | 1.24B |
| Net Cash (Debt) | -833.08M | -847.87M | -759.41M | -651.57M | -729.39M | -780.91M |
| Net Cash Per Share | -7.03 | -7.15 | -6.41 | -5.50 | -6.15 | -6.59 |
| Filing Date Shares Outstanding | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M |
| Total Common Shares Outstanding | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M | 118.54M |
| Working Capital | 1.55B | -796.52M | 430.38M | 1.35B | 1.86B | 1.81B |
| Book Value Per Share | -48.14 | -46.01 | -37.86 | -32.10 | -28.84 | -14.32 |
| Tangible Book Value | -5.71B | -5.46B | -4.49B | -3.81B | -3.42B | -1.70B |
| Tangible Book Value Per Share | -48.14 | -46.03 | -37.89 | -32.13 | -28.88 | -14.37 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -609.25M | -789.79M | -696.76M | -407.53M | -1.72B | -2.19B |
| Depreciation & Amortization | 24.88M | 22.20M | 23.97M | 23.95M | 24.21M | 27.15M |
| Other Amortization | 668.20K | 1.02M | 1.22M | 1.41M | ||
| Provision for Credit Losses | 573.77M | |||||
| Change in Other Net Operating Assets | 332.10M | 620.90M | 484.44M | 365.02M | 395.22M | 1.64B |
| Other Operating Activities | 220.55M | 58.84M | 92.23M | 66.60M | 1.35B | -23.77M |
| Operating Cash Flow | -31.71M | -87.18M | -82.06M | 49.07M | 46.52M | 27.45M |
| Capital Expenditures | -1.29M | -1.14M | -1.46M | -461.17K | -2.10M | -4.06M |
| Sale of Property, Plant & Equipment | 114.69K | 114.69K | 2.68M | 132.57K | ||
| Investment in Securities | 8.49K | -6.50K | 2.41M | -2.56M | 6.25M | 50.54M |
| Other Investing Activities | 16.32M | -1.00K | ||||
| Investing Cash Flow | -1.17M | -1.03M | 943.85K | 15.99M | 4.29M | 46.49M |
| Long-Term Debt Issued | 91.44M | 45.12M | 14.84M | 16.00M | ||
| Long-Term Debt Repaid | -92.00M | |||||
| Net Debt Issued (Repaid) | 33.91M | 91.44M | 45.12M | 14.84M | -92.00M | 16.00M |
| Financing Cash Flow | 33.91M | 91.44M | 45.12M | 14.84M | -92.00M | 16.00M |
| Net Cash Flow | 1.02M | 3.23M | -35.99M | 79.90M | -41.19M | 89.93M |
| Free Cash Flow | -33.00M | -88.32M | -83.52M | 48.61M | 44.42M | 23.39M |
| Free Cash Flow Per Share | -0.28 | -0.74 | -0.70 | 0.41 | 0.38 | 0.20 |
| Cash Interest Paid | 342.84M | 375.67M | 346.75M | 615.90M | 657.08M | 655.84M |
| Cash Income Tax Paid | 6.51M | 6.53M | 15.42M | 7.31M | 7.26M | 7.88M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 497.89M | 284.51M | 379.34M | 652.00M | 652.00M | 794.25M |
| PS Ratio | -0.47 | -0.67 | -2.57 | -0.42 | -0.41 | |
| PB Ratio | -0.05 | -0.09 | -0.17 | -0.19 | -0.47 | |
| P/FCF Ratio | 13.41 | 14.68 | 33.96 | |||
| P/OCF Ratio | 13.29 | 14.02 | 28.94 | |||
| Debt / Equity Ratio | -0.22 | -0.24 | -0.27 | -0.30 | -0.34 | -0.73 |
| Debt / FCF Ratio | 23.72 | 25.91 | 53.17 | |||
| Net Debt / Equity Ratio | -0.15 | -0.15 | -0.17 | -0.17 | -0.21 | -0.46 |
| Net Debt / FCF Ratio | -25.24 | -9.60 | -9.09 | 13.40 | 16.42 | 33.39 |
| Quick Ratio | 1.25 | 0.86 | 0.99 | 1.11 | 1.17 | 1.17 |
| Current Ratio | 1.25 | 0.91 | 1.05 | 1.17 | 1.22 | 1.22 |
| Return on Assets (ROA) | -6.97% | -8.96% | -7.59% | -4.08% | -16.55% | -21.42% |
| Earnings Yield | -131.55% | -277.60% | -183.68% | -62.50% | -263.92% | -275.75% |
| FCF Yield | -4.14% | -31.04% | -22.02% | 7.46% | 6.81% | 2.94% |