How does First Financial (THFF) make money?

First Financial (THFF) generates revenue primarily from Interchange income, which accounted for 79.2% of total revenue in TTM through Q1 2026. The company reported $320.85M in revenue and converted 25.1% of it into net profit, equivalent to roughly $80.61M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of First Financial (THFF)?

First Financial (THFF) reported a gross profit margin of 77.9% in TTM through Q1 2026, equivalent to $249.99M in gross profit on $320.85M in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of First Financial (THFF)?

First Financial (THFF) reported an operating profit margin of 27.8% in TTM through Q1 2026, equivalent to $89.08M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of First Financial (THFF)?

First Financial (THFF) reported a net profit margin of 25.1% in TTM through Q1 2026, equivalent to $80.61M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is First Financial (THFF) profitable?

Yes. First Financial (THFF) reported $80.61M in net income for TTM through Q1 2026, with a net profit margin of 25.1%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does First Financial (THFF) spend on capital expenditures?

First Financial (THFF) spent $1.32M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 0.4% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does First Financial (THFF) generate?

First Financial (THFF) generated $90.65M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 28.3%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of First Financial (THFF)?

First Financial (THFF) had an effective tax rate of 19.6% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of First Financial (THFF)?

First Financial (THFF) reports revenue across 2 reportable product segments, led by Interchange income at 79.2% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How First Financial Makes Money: 2026 Visual Revenue Map

First Financial (THFF) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 6, 2026).

First Financial discloses geographic revenue only in annual filings. to view the full breakdown.

First Financial (THFF) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for First Financial (THFF) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Interchange income	$254.09M	79.2%
Financial Service, Other	$66.76M	20.8%
Total	$320.85M	100%

Interchange income$254.09M
Financial Service, Other$66.76M
Total$320.85M

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, First Financial (THFF) reports revenue across 2 operating segments; the largest segment was Interchange income at 79.2%, followed by Financial Service, Other (20.8%).

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