Niyogin Fintech Ltd

NIYOGIN

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Market Cap

₹ 645 Cr

P/E

—

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bearish

Risk

HIGH RISK

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Price

PE Ratio

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Overview

Detailed Summary

Niyogin Fintech Limited is a listed financial services company that offers lending solutions to MSMEs in India through fintech innovations. Its diversified operations also include wealth tech and rural tech segments via strategic acquisitions.

In Q2 FY26, Niyogin achieved a remarkable financial turnaround with a 52% YoY growth in net revenue and a transition from EBITDA loss to a positive Rs 4.9 Cr, showcasing robust financial discipline.

AUM soared to a record Rs 340.5 Cr, indicating strong lending momentum. This was bolstered by strategic fundraising efforts, marking the highest-ever quarterly capital raise.

The company’s subsidiary, iServeU, delivered outstanding quarterly performance with significant order execution, high-margin expansion, and profitable growth, underpinning Niyogin’s strategic intent to expand its fintech solutions.

Niyogin has maintained robust portfolio quality despite challenging sector conditions, with low delinquency ratios attributed to strong underwriting practices and partner risk-sharing models.

Sector

Finance

Industry

NBFC-Others

Market Cap

645 Cr

Volatility

High Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

2.0

52W High

82.40

52W Low

39.83

Sales CAGR

55.29%

51.66%

22.66%

10Y

107.61%

Profit CAGR

34.26%

—

10Y

—

ROE

TTM

-1.99%

-2.51%

-2.26%

10Y

-3.18%

ROCE

TTM

1.70%

-1.22%

-1.42%

10Y

-2.53%

Technicals

Oscillators

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
DHUNINV	1190.55	694 Cr	41.75	0.26	0.26	0.63	2.78	0.53
CONSOFINVT	173.38	692 Cr	1.61	0.44	0.00	27.01	28.62	27.58
MANBA	138.90	690 Cr	16.38	1.78	0.55	10.84	9.65	2.23
NBIFIN	2245.50	674 Cr	67.21	0.21	0.02	0.31	0.40	0.29
CSLFINANCE	308.90	674 Cr	8.27	1.16	1.00	14.04	12.91	5.86
NIYOGIN	56.67	645 Cr	—	2.00	0.00	-1.99	1.70	-0.55
UCIL	525.00	571 Cr	10.50	4.82	0.08	45.93	34.88	18.07

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	45	47	54	50	50	73	111	70	82	70
Expenses	50	56	55	50	56	71	112	70	80	67
Interest	0.79	1.07	1.13	1.67	2.41	3.17	3.56	3.30	4.15	5.33
Financing Profit	-5.93	-9.49	-2.92	-1.90	-8.09	-1.85	-4.81	-3.04	-2.82	-2.58
Financing Margin %	-13.22	-20.14	-5.45	-3.79	-16.05	-2.55	-4.33	-4.35	-3.45	-3.68
Other Income	0.68	0.27	0.17	1.10	0.40	0.37	2.00	2.26	4.39	6.18
Depreciation	1.90	1.96	2.07	2.17	2.19	2.57	2.44	2.33	2.33	2.67
Profit Before Tax	-7.15	-11	-4.82	-2.97	-9.87	-4.05	-5.25	-3.10	-0.76	0.92
Tax %	7.13	12.34	4.77	-28.28	0.30	-4.94	6.48	186.45	-143.42	31.52
Net Profit	-6.64	-9.80	-4.59	-3.81	-9.84	-4.25	-4.91	2.67	-1.85	0.63
EPS in Rs	-0.43	-0.59	-0.27	-0.19	-0.57	-0.38	-0.43	-0.02	-0.14	0.02
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	28	50	103	109	196	304	335
Expenses	48	53	109	138	211	309	334
Interest	0.30	0.24	0.20	0.82	4.65	12	14
Financing Profit	-21	-2.76	-6.59	-31	-20	-18	-13
Financing Margin %	-74.15	-5.51	-6.41	-28.09	-10.34	-5.85	-3.73
Other Income	0.14	0.53	4.26	8.50	2.23	5.04	9.02
Depreciation	4.09	5.01	5.39	6.10	8.10	9.54	9.67
Profit Before Tax	-25	-7.25	-7.73	-28	-26	-22	-13
Tax %	0.53	-2.33	1.64	-0.92	4.90	26.67	36.63
Net Profit	-25	-7.42	-7.60	-28	-25	-16	-8.34
EPS in Rs	—	-0.62	-0.51	-1.59	-1.49	-1.40	-0.57
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	86	94	94	94	95	111
Reserves	155	192	192	178	186	212
Borrowings	0.22	0.29	0.29	0.07	54	96
Other Liabilities	8.77	82	77	72	117	152
Total Liabilities	250	368	363	345	452	571
Fixed Assets	14	125	101	111	116	120
CWIP	0.07	0.08	0.00	0.20	1.45	12
Investments	60	80	63	7.02	1.63	3.89
Other Assets	177	163	199	226	333	435
Total Assets	250	368	363	345	452	571

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-104	110	-70	-58	-37	-86
Cash from Investing Activity	112	-118	39	87	-18	-8.81
Cash from Financing Activity	-1.13	47	0.36	-2.70	70	91
Net Cash Flow	6.86	40	-31	26	15	-3.31

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	39.65%	39.65%	39.60%	39.60%	39.59%	39.31%	39.31%	39.31%	39.28%	37.65%	37.72%	38.73%
FIIs	14.21%	14.21%	12.13%	17.24%	16.55%	16.29%	16.05%	15.92%	14.08%	19.40%	19.39%	19.53%
DIIs	0.00%	0.00%	1.06%	1.06%	1.06%	1.05%	1.05%	1.05%	1.05%	1.79%	1.79%	1.93%
Public	46.15%	46.15%	47.20%	42.10%	42.80%	43.35%	43.59%	43.72%	45.58%	41.17%	41.10%	39.81%
Total Shareholders	4,899	4,715	4,670	6,817	7,691	8,168	8,950	9,176	11,621	11,339	11,139	10,582

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 30, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	71.50	1.28 Cr	1,78,705	0.16
Sep 30, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	68.37	0.71 Cr	1,04,515	0.09
Aug 27, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	76.88	0.86 Cr	1,12,387	0.10
Aug 26, 2025	Debiprasad sarangi	Insider - Designated Person	Pledge	77.05	14.82 Cr	19,22,818	1.72
Aug 25, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	75.82	0.71 Cr	93,208	0.08
Aug 25, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	76.98	0.73 Cr	94,480	0.08
Aug 21, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	68.58	0.95 Cr	1,38,000	0.12
Aug 21, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	71.55	0.98 Cr	1,36,435	0.12
Aug 19, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	65.39	1.00 Cr	1,52,900	0.13
Aug 18, 2025	Amit rajpal	Insider - Promoter & Director	Acquisition	58.70	1.00 Cr	1,70,353	0.15

Projection

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Last 7 days

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

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Q4 FY24

Investor Presentation

Q3 FY24

Investor Presentation

Q2 FY24

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Q1 FY24

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