As of 6 Nov 2026, Niyogin Fintech is loss-making on a trailing 12-month basis, with a net loss of ₹1.67 Cr, so it has no P/E ratio. The share price is ₹44.67, 39% below its 52-week high. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.63× book value. It is a small-cap company with a market cap of ₹497 Cr, ranked 57th of 193 Credit Services companies by market cap; the shares fell 26% over the past year.
- ₹45.00
- ₹46.49
- ₹44.25
- ₹45.58
- 9.7K
Health check
- ReturnsBehind
−25.6% over a year, better than 1 of 7 peers.
- Price tagLoss-making
Earnings were negative over the last 12 months.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityNegative
ROE -0.1% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags3 to check
Loss-making over the last twelve months.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹497 Cr
- Small cap
- P/E
- n/a
- Industry 15.5
- Price to book
- 1.63
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- −0.1%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- −₹0.15
- OPM (TTM)
- 2.2%
- Net margin −0.6%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- n/a
- Year-ago quarter not reported
- Price to sales
- 1.84
- EV/EBITDA 15.2
Strengths and risks
Risks to check
- Loss-making over the last twelve months.
- Return on equity is low at −0.1%.
- 39% below its 52-week high.
About Niyogin Fintech
Niyogin Fintech Limited, together with its subsidiaries, operates as a non-banking finance company in India. It operates through Financing Related Activities and Technology Related Activities segments. The company operates integrated platform that delivers embedded banking and financial technology solutions to banks, NBFCs, FinTechs, and other regulated financial institutions; Moneymap, an investment platform that offers financial advisory services; and…
- Headquarters
- Mumbai
- Employees
- 72
- Sector
- Financial Services
- ISIN
- INE480D01010
- Website
- niyogin.com
Price range
- Avg volume (3M)
- 88.4K
- 1-year return
- minus 25.6%
- From 52-week high
- minus 38.7%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| NIYOGINNiyogin Fintech | 44.67 | minus 2.00% | 497 | – | 1.63 | −0.1% | – | – | 0.00% | minus 25.6% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 53.8 | 55.4 | 55 | 58.9 | 54.7 | |
| 53.5 | 54.5 | 56.8 | 53.7 | 54.1 | |
| 0.2 | 0.9 | −1.8 | 5.1 | 0.6 | |
| 0.4% | 1.6% | −3.3% | 8.7% | 1.1% | |
| 4.4 | 6.2 | 17.9 | 5.4 | 1.2 | |
| 2.3 | 2.7 | 2.6 | 2.7 | 3.7 | |
| −3 | −3.5 | −11.6 | −6.5 | −4.3 | |
| −0.8 | 0.9 | 1.8 | 1.4 | −6.2 | |
| −144.1% | 31.6% | 73.8% | 21.6% | 18.7% | |
| −1.5 | 0.3 | 0.1 | 0.7 | −2.7 | |
| -0.14 | 0.02 | 0.01 | 0.06 | -0.24 |
Profit & loss
- ROE
- −0.1%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 101 | 191 | 235 | 244 | |
| – | +89.0% | +23.2% | +4.0% | |
| 129 | 203 | 246 | 239 | |
| −28 | −11.7 | −10.5 | 5.1 | |
| −27.7% | −6.1% | −4.5% | 2.1% | |
| 10.4 | 4.9 | 6 | 35.3 | |
| 0.8 | 2.7 | 3.5 | 3.8 | |
| 6.1 | 8.1 | 9.5 | 10.3 | |
| −3.7 | −8.6 | −4.8 | −22.8 | |
| −28.1 | −26.1 | −22.3 | 3.4 | |
| −0.9% | 4.9% | 26.7% | 89.1% | |
| −17.7 | −16.8 | −15.9 | −0.5 | |
| -1.87 | -1.78 | -1.64 | -0.05 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 94.3 | 95.1 | 111 | 111 | |
| 178 | 186 | 212 | 214 | |
| 0.1 | 53.9 | 96 | 225 | |
| 72.1 | 117 | 152 | 159 | |
| 345 | 452 | 571 | 709 | |
| 3.4 | 25.8 | 22.2 | 24.9 | |
| 0.6 | 0.4 | 1 | 0.2 | |
| 112 | 129 | 128 | 142 | |
| 229 | 297 | 420 | 542 | |
| 345 | 452 | 571 | 709 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −58.4 | −38.6 | −86 | −81 | |
| 86.7 | −17.8 | −8.8 | −63 | |
| −2.7 | 71.3 | 91.5 | 124 | |
| 25.6 | 14.9 | −3.3 | −19.5 | |
| −1 | −2.4 | −24 | −21.9 | |
| −59.3 | −40.9 | −110 | −103 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders. Institutions hold about 13.1% (Yahoo estimate).
Major shareholders
Filings & events
News
No recent news coverage found.