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Niyogin Fintech Limited operates as a hybrid fintech platform combining an NBFC lending franchise focused on unsecured MSME and embedded lending, and iServeU, a payments infrastructure and TSP/SaaS business that supplies UPI, soundbox, acquiring and issuance solutions to banks and fintech partners, using API-driven integrations and partner-led distribution models.
iServeU delivered robust Q3 FY26 traction: net revenue for the subsidiary rose to ₹21.2 crores (107% YoY) with EBITDA at ₹5.4 crores and six consecutive quarters of positive EBITDA, driven by a ₹635 crore order book across 43 contracts, substantial soundbox deployments of 408.3K units, and expanding UPI and BBPS transaction volumes.
The NBFC business (standalone) reported an AUM of ₹314 crores in Q3 FY26, a year-on-year increase with calibrated sequential moderation; PBT (ex-ESOP) improved to ₹1.6 crores reflecting disciplined underwriting, partner risk-sharing, stronger net interest income of ₹10.3 crores, and continued access to debt with ₹40 crores mobilised during the quarter.
Corporate actions and governance developments are material: the company completed strategic acquisitions historically, launched Niyogin AI in 2025 and proposed a Composite Scheme of Arrangement for demerger between Niyogin, Niyogin Finserv Limited and iServeU Technology, signalling a restructuring that could sharpen operational focus and unlock value across lending and payments verticals.
Finance
Non Banking Financial Company (NBFC)
500 Cr
Moderate Risk
-346.7
19.3
—
1.6
82.40
30.20
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
106.65 | 562 Cr | 12.68 | 1.45 | 0.67 | 10.84 | 9.65 | 2.24 | ||
241.00 | 551 Cr | 6.34 | 0.95 | 1.22 | 14.04 | 12.91 | 6.16 | ||
185.00 | 540 Cr | 14.72 | 4.44 | 0.00 | 10.47 | 14.39 | 4.77 | ||
77.50 | 538 Cr | -120.98 | 1.82 | 0.00 | -1.74 | 7.90 | -0.48 | ||
186.10 | 509 Cr | 744.40 | 0.23 | 0.54 | 0.53 | 1.85 | 0.02 | ||
45.24 | 500 Cr | -348.53 | 1.55 | 0.00 | -1.99 | 1.70 | 0.30 | ||
93.59 | 460 Cr | 5.15 | 3.89 | 0.10 | 45.93 | 34.88 | 25.02 | ||
| Median: 7 Co. | — | 106.65 | 538 Cr | 6.34 | 1.55 | 0.10 | 10.47 | 9.65 | 2.24 |
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
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Niyogin Fintech Ltd (NIYOGIN) is currently trading at 45.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Niyogin Fintech Limited operates as a hybrid fintech platform combining an NBFC lending franchise focused on unsecured MSME and embedded lending, and iServeU, a payments infrastructure and TSP/SaaS business that supplies UPI, soundbox, acquiring and issuance solutions to banks and fintech partners, using API-driven integrations and partner-led distribution models. iServeU delivered robust Q3 FY26 traction: net revenue for the subsidiary rose to ₹21.2 crores (107% YoY) with EBITDA at ₹5.4 crores and six consecutive quarters of positive EBITDA, driven by a ₹635 crore order book across 43 contracts, substantial soundbox deployments of 408.3K units, and expanding UPI and BBPS transaction volumes. The NBFC business (standalone) reported an AUM of ₹314 crores in Q3 FY26, a year-on-year increase with calibrated sequential moderation; PBT (ex-ESOP) improved to ₹1.6 crores reflecting disciplined underwriting, partner risk-sharing, stronger net interest income of ₹10.3 crores, and continued access to debt with ₹40 crores mobilised during the quarter. Corporate actions and governance developments are material: the company completed strategic acquisitions historically, launched Niyogin AI in 2025 and proposed a Composite Scheme of Arrangement for demerger between Niyogin, Niyogin Finserv Limited and iServeU Technology, signalling a restructuring that could sharpen operational focus and unlock value across lending and payments verticals.
Over the past 52 weeks, Niyogin Fintech Ltd has traded between a low of ₹30.20 and a high of ₹82.40. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Niyogin Fintech Ltd has a market capitalization of approximately 500.28. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Niyogin Fintech Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -346.68 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 500.28 Cr, Niyogin Fintech Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Niyogin Fintech Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Niyogin Fintech Ltd is -346.68. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Bearish
3
Neutral
6
Bullish
5
Bearish
17
Neutral
7
Bullish
22
Bearish
14
Neutral
1
Bullish
17
Strategic Review
Niyogin Fintech's Board has approved a Strategic Review Committee to evaluate all strategic opportunities and take actions to unlock and maximize long‑term shareholder value; disclosures will follow as material developments arise.
Subsidiary stake dilution
Board approved proposal to dilute up to 10% of the Company's percentage shareholding in material subsidiary Iserveu via a proposed fundraise — potentially changing/ceasing Company control — subject to shareholder approval; Iserveu contributed 53.6% of FY25 turnover; transaction to complete within ~6 months and buyer details to be finalised.
Subsidiary stake dilution
Niyogin Board approved up to 10% dilution of its percentage shareholding in material subsidiary Iserveu via a proposed fundraise and possible change/cessation of control, subject to shareholder approval by postal ballot; completion within 6 months.
