SEBI Reg. Investment Advisor

Download App
Help Center Pricing
Money Works 4 Me Logo MoneyWorks4Me
Login Get Free Account
Sign Up

MoneyWorks4Me

Log In Sign Up Schedule Free 15‑min Call
Login Get Free Account
Sign Up

INVESTMENT INSIGHTS

Check Before You Invest : Nikki Global Finance Ltd

BSE: 531272 NSE: ISIN: INE526C01012
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Nikki Global Finance Ltd belong to?
Nikki Global Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Nikki Global Finance Ltd a good quality company?
Nikki Global Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Nikki Global Finance Ltd undervalued or overvalued?
Nikki Global Finance Ltd appears Somewhat overvalued, as its key valuation ratios are higher than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 35.19 -
Price to Book 4.98 2.21
Price to Sales 18.87 -
EV to EBITDA 31.62 -33.62
Q.4 Is Nikki Global Finance Ltd a good buy now?
Nikki Global Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Operating Income growth is NA% for FY-2025, which is above its 5-year CAGR of -100%, indicating faster growth.

Q.2 Return on Assets of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Return on Asset is -0.4%, which is in line with its 5-year historical median of -0.4%, indicating stable earnings on assets.
Current Level 5-year
Historic Median
NPM (%) - -47.38
PPOP (%) -80 -83.33
RoA (%) -0.4 -0.4

Q.3 Return on Equity (ROE) of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Return on Equity is -2.6% for FY-2025, which is in line with its 5-year historical median of -2.6%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -80% for FY-2025, which is in line with its 5-year median(-83.33%), indicating stable margins.

Q.5 Net Profit Margin of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 0% for FY-2025, which is above its 5-year median( -47.38%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?
Nikki Global Finance Ltd return on invested capital (ROIC) is -1.85% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Nikki Global Finance Ltd?
Nikki Global Finance Ltd Total Asset growth is -0.22% for FY-2025, which is below its 5-year CAGR of 0.04%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Nikki Global Finance Ltd?

Q.1 Promoter shareholding and pledge status of Nikki Global Finance Ltd?
Promoters hold 10.48% of the Nikki Global Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Nikki Global Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Nikki Global Finance Ltd vs Industry Peers?
Nikki Global Finance Ltd AUM CAGR is 0.04%, compared to the 5-year industry median CAGR of 9.71%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Nikki Global Finance Ltd vs industry peers
Nikki Global Finance Ltd profit metrics are below the industry median level of 4.76%, indicating weaker profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) - 12.87
PPOP (%) -80 -
RoA (%) -0.4 1.4

Q.3 Operating efficiency of Nikki Global Finance Ltd vs industry peers?
Nikki Global Finance Ltd ROCE (-1.9) is below the industry median of (4.15); while the current ROE (-2.6) are below than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the bottom quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) - 12.87
PPOP (%) -80 -
RoA (%) -0.4 1.4
ROCE (%) -1.9 4.15
ROE (%) -2.6 2.3

Valuation & price assessment

Q.1 Stock return of Nikki Global Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 2.6% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 2.6% 35.8% 45.2% -2.3%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 35.19 - 29.12
Price to Book 4.98 2.21 1.11
Price to Sales 18.87 - 9.10
EV to EBITDA 31.62 -33.62 11.77
Q.3 Valuation ratios of Nikki Global Finance Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 4.98 is higher than its historical median of 2.21, indicating that the stock is trading above its historical average valuation.

Check more companies

1. Tata Invest Corp
2. Manappuram Finance
3. CreditAccess Grameen
4. IIFL Finance
5. Five Star Business
6. Edelweiss Financial
7. SBFC Finance
8. Bengal & Assam
9. MAS Financial Serv
10. Fedbank Financial

Check trending companies

1. Syngene International Ltd.
2. Krishna Institute of Medical Sciences Ltd
3. Bharat Forge Ltd.
4. Aurobindo Pharma Ltd.
5. Blue Star Ltd.
2026 ©The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me® is a registered trademark of The Alchemists Ark Pvt. Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

×