First Savings Financial Group (FSFG) Key Ratios
$32.43
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 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 1.30 | 5.04 | 8.87 | 6.18 | -5.19 |
| EBIT | -7.80 | 72.20 | 83.87 | 12.59 | -10.49 |
| Net Profit | -14.52 | 43.55 | 70.40 | 12.09 | -7.43 |
| EPS | -14.76 | 41.07 | 67.45 | 13.10 | -6.68 |
| Book Value | -- | -- | 7.36 | 9.22 | 4.54 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | Sep-25 | Sep-24 | Sep-23 |
| EBIT-Margin
| 12.88 | 14.86 | 18.36 | 10.87 | 9.41 |
| Net Margin
| -- | -- | -- | -- | -- |
| Return on equity
| 8.73 | 10.59 | 12.50 | 8.29 | 5.40 |
| Return on Capital
| 2.63 | 3.45 | 3.91 | 2.49 | 1.47 |
| Return on Assets
| 0.63 | 0.88 | 0.96 | 0.57 | 0.37 |
| Debt to Equity (x)
| -- | -- | 2.40 | 1.98 | 2.73 |
Profitability
ROCE
3.91
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
3.91
|
2.49
|
1.47
|
3.09
|
6.30
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
12.50
--
Profit after tax / Average Net worth * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
12.50
|
8.29
|
5.40
|
9.27
|
17.50
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROA
0.96
--
Profit after tax / Average Total assets * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.96
|
0.57
|
0.37
|
0.81
|
1.70
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Margin
18.36
--
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
18.36
|
10.87
|
9.41
|
14.14
|
21.53
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Margin
15.83
--
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
15.83
|
10.11
|
9.40
|
12.57
|
15.93
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
0.09
--
Year on year growth in net sales
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.09
|
0.55
|
-0.29
|
-0.34
|
-0.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Growth
83.87
--
Year on year growth in operating profit (EBIT)
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
83.87
|
78.56
|
-52.73
|
-56.69
|
-14.50
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Profit Growth
70.40
--
Year on year growth in profit after tax
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
70.40
|
66.32
|
-46.89
|
-47.96
|
-11.35
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EPS Growth
0.67
--
Year on year growth in earnings per share
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.67
|
0.65
|
-0.44
|
-0.48
|
-0.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
2.40
--
Total debt / Net worth
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
2.40
|
1.98
|
2.73
|
2.61
|
1.50
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
1.32
--
(Short term borrowings / Net worth)
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
1.32
|
0.38
|
0.32
|
0.94
|
0.06
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.17
--
Current Assets / Current Liabilities and Provisions
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.17
|
0.17
|
0.16
|
0.24
|
0.20
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Quick Ratio
--
--
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
--
|
--
|
--
|
0.24
|
0.23
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Interest Coverage
0.43
--
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.43
|
0.23
|
0.20
|
1.64
|
4.94
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
7.77
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
7.77
|
8.46
|
11.69
|
6.81
|
3.36
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Asset Turnover
0.06
--
Sales / Average Total Assets
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
0.06
|
0.06
|
0.04
|
0.06
|
0.11
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Receivable days
28.39
--
Average Debtors / Sales * 365
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
28.39
|
29.26
|
38.86
|
21.74
|
12.50
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
--
|
--
|
1.67
|
-636.88
|
-2,557.36
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
53.81
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
53.81
|
60.80
|
42.20
|
22.88
|
27.19
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
--
|
--
|
-1.66
|
-638.02
|
-2,572.05
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
9.50
--
Current share price divided by earning per share in the last twelve months
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
9.50
|
12.05
|
12.28
|
10.67
|
6.81
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Price / Book Value
1.14
--
Current share price divided by book value per share in the latest financial year
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
1.14
|
0.92
|
0.66
|
1.08
|
1.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EV/EBITDA
22.33
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
Sep-25
|
Sep-24
|
Sep-23
|
Sep-22
|
Sep-21
|
|---|---|---|---|---|---|
|
First Savings Financial Group (FSFG)
|
22.33
|
12.52
|
30.91
|
10.11
|
5.41
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|