First Savings Financial Group (FSFG) Financials

$32.43

$-0.17 (-0.51%)

As on 04-Feb-2026 09:30EDT

Market cap

$238 Mln

Revenue (TTM)

$146 Mln

P/E Ratio

10.2

P/B Ratio

1.2

Div. Yield

1.9 %

Annual
Quarterly

Income Statement ($ Mln)	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Operating Revenue	146.33	134.40	86.92	122.42	185.62	191.06
Cost of Revenue	62.55	67.02	44.27	12.45	6.32	18.50
Gross Profit	83.78	67.38	86.92	109.97	179.30	172.56
Operating Expenses	56.92	52.77	-78.73	92.66	139.33	125.82
Operating Profit (EBIT)	26.86	14.61	8.18	17.31	39.97	46.74
Other Income	--	--	--	--	--	--
Profit before Tax	26.86	14.61	8.18	17.31	39.97	46.74
Provision for Tax	3.70	1.02	0.01	1.92	10.00	12.66
Profit after Tax (Net Income)	23.16	13.59	8.17	15.39	29.57	33.35
Minority Interest	--	--	--	--	-0.40	0.73
Consolidated Profit	--	--	--	16.44	29.57	33.35

Liabilities ($ Mln)	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Shareholder's Funds	193.48	177.12	150.98	151.57	180.38	157.57
Minority Interest	--	--	--	--	--	0.29
Non-Current Liabilities	491.13	378.99	412.65	396.72	271.94	508.10
Current Liabilities	1,714.93	1,894.27	1,725.22	1,545.44	1,269.08	1,098.96
Total Liabilities	2,399.53	2,450.37	2,288.85	2,093.73	1,721.39	1,764.63

Assets ($ Mln)	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Non-Current Assets	10.08	2,137.68	2,019.62	1,725.60	1,472.82	1,519.51
Current Assets	284.47	312.69	269.24	368.13	248.57	245.12
Total Assets	2,399.53	2,450.37	2,288.85	2,093.73	1,721.39	1,764.63
Total Debt*	463.76	350.24	411.63	395.51	269.87	330.66
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Cash From Operating Activities	79.13	91.20	-1.74	148.81	114.89	-139.69
Cash Flow from Investing Activities	-37.83	-203.33	-263.99	-506.23	-55.88	-339.43
Cash from Financing Activities	-61.60	133.43	-7.77	365.65	-59.31	471.42
Net Cash Inflow / Outflow	--	--	--	8.24	-0.30	-7.71

Financials Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Adjusted EPS ($)	3.31	1.98	1.20	2.15	4.11	4.69
Cash EPS ($)	3.63	2.32	1.57	2.50	4.43	4.95
Adjusted Book Value ($)	27.65	25.75	22.15	21.22	25.07	22.15
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	11.31	13.26	-0.26	20.84	15.97	-19.63
Free Cash Flow per Share ($)	11.18	13.16	-0.26	20.72	15.18	-20.66

Profitability Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
ROCE (%)	3.91	2.49	1.47	3.09	6.30	7.80
ROE (%)	12.50	8.29	5.40	9.27	17.50	23.92
ROA (%)	0.96	0.57	0.37	0.81	1.70	2.23
EBIT Margin (%)	18.36	10.87	9.41	14.14	21.53	24.47
Net Margin (%)	15.83	10.11	9.40	12.57	15.93	17.46
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Revenue Growth (%)	0.09	0.55	-0.29	-0.34	-0.03	1.01
EBIT Growth (%)	83.87	78.56	-52.73	-56.69	-14.50	132.67
Net Profit Growth (%)	70.40	66.32	-46.89	-47.96	-11.35	106.18
EPS Growth (%)	0.67	0.65	-0.44	-0.48	-0.12	1.07
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Price / Earnings	9.50	12.05	12.28	10.67	6.81	11.59
Price / Book Value	1.14	0.92	0.66	1.08	1.12	2.45
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	22.33	12.52	30.91	10.11	5.41	9.85
Close Price ($)	31.43	23.81	14.73	22.98	27.96	18.11
High Price ($)	33.00	24.50	23.49	29.98	29.81	22.92
Low Price ($)	21.63	13.20	11.74	22.65	17.03	9.83
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Debt to Equity	2.40	1.98	2.73	2.61	1.50	2.10
Short term debt to equity ratio	1.32	0.38	0.32	0.94	0.06	0.26
Current Ratio	0.17	0.17	0.16	0.24	0.20	0.22
Quick Ratio	--	--	--	0.24	0.23	0.26
Interest Coverage	0.43	0.23	0.20	1.64	4.94	4.44

Operating Efficiency Ratios	Sep-25	Sep-24	Sep-23	Sep-22	Sep-21	Sep-20	Sep-19	Sep-18	Sep-17	Sep-16	Sep-15
Debtors to sales (%)	7.77	8.46	11.69	6.81	3.36	3.38
Asset Turnover	0.06	0.06	0.04	0.06	0.11	0.13
Receivable days	28.39	29.26	38.86	21.74	12.50	11.00
Inventory Days	--	--	1.67	-636.88	-2,557.36	-942.85
Payable days	53.81	60.80	42.20	22.88	27.19	15.97
Cash Conversion Cycle	--	--	-1.66	-638.02	-2,572.05	-947.83