Check Before You Invest : Niyogin Fintech Ltd

Q: Which industry/sub-sector does Niyogin Fintech Ltd belong to?

Niyogin Fintech Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Niyogin Fintech Ltd a good quality company?

Niyogin Fintech Ltd is a weak quality company, based on a inconsistent 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: Is Niyogin Fintech Ltd undervalued or overvalued?

Niyogin Fintech Ltd appears Somewhat Undervalued, as its key valuation ratios are lower 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. Price to Earnings, Current: 426.76, Historic Median: -. Price to Book, Current: 1.48, Historic Median: 1.97. Price to Sales, Current: 5.27, Historic Median: 16.93. EV to EBITDA, Current: 37.78, Historic Median: -84.23

Q: Is Niyogin Fintech Ltd a good buy now?

Niyogin Fintech 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

Q: Total Income growth of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Operating Income growth is 89.45% for FY-2025, which is above its 5-year CAGR of 22.66%, indicating faster growth.

Q: Return on Assets of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Return on Asset is -2.3%, which is in line with its 5-year historical median of -2.3%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -12.8, Historic Median: -19.17. PPOP (%), Current: -100, Historic Median: -100. RoA (%), Current: -2.3, Historic Median: -2.3

Q: Return on Equity (ROE) of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Return on Equity is -3.3% for FY-2025, which is below its 5-year historical median of -2.5%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -100% for FY-2025, which is in line with its 5-year median(-100%), indicating stable margins.

Q: Net Profit Margin of Niyogin Fintech Ltd?

Niyogin Fintech 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 -12.8% for FY-2025, which is above its 5-year median( -19.17%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Niyogin Fintech Ltd return on invested capital (ROIC) is -0.96% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Snapshot

Q.1 Which industry/sub-sector does Niyogin Fintech Ltd belong to?

Niyogin Fintech Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Niyogin Fintech Ltd a good quality company?

Niyogin Fintech Ltd is a weak quality company, based on a inconsistent 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 Niyogin Fintech Ltd undervalued or overvalued?

Niyogin Fintech Ltd appears Somewhat Undervalued, as its key valuation ratios are lower 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	426.76	-
Price to Book	1.48	1.97
Price to Sales	5.27	16.93
EV to EBITDA	37.78	-84.23

Q.4 Is Niyogin Fintech Ltd a good buy now?

Niyogin Fintech 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 Niyogin Fintech Ltd?

Niyogin Fintech Ltd Operating Income growth is 89.45% for FY-2025, which is above its 5-year CAGR of 22.66%, indicating faster growth.

Q.2 Return on Assets of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Return on Asset is -2.3%, which is in line with its 5-year historical median of -2.3%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-12.8	-19.17
PPOP (%)	-100	-100
RoA (%)	-2.3	-2.3

Q.3 Return on Equity (ROE) of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Return on Equity is -3.3% for FY-2025, which is below its 5-year historical median of -2.5%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Niyogin Fintech Ltd?

Niyogin Fintech Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -100% for FY-2025, which is in line with its 5-year median(-100%), indicating stable margins.

Q.5 Net Profit Margin of Niyogin Fintech Ltd?

Niyogin Fintech 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 -12.8% for FY-2025, which is above its 5-year median( -19.17%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Niyogin Fintech Ltd return on invested capital (ROIC) is -0.96% 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 Niyogin Fintech Ltd?

Niyogin Fintech Ltd Total Asset growth is 27.88% for FY-2025, which is above its 5-year CAGR of 13.88%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Niyogin Fintech Ltd?

Q.1 Promoter shareholding and pledge status of Niyogin Fintech Ltd?

Promoters hold 39.07% of the Niyogin Fintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Niyogin Fintech Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Niyogin Fintech Ltd vs Industry Peers?

Niyogin Fintech Ltd AUM CAGR is 13.88%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Niyogin Fintech Ltd vs industry peers

Niyogin Fintech 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 (%)	-12.8	12.87
PPOP (%)	-100	-
RoA (%)	-2.3	1.4

Q.3 Operating efficiency of Niyogin Fintech Ltd vs industry peers?

Niyogin Fintech Ltd ROCE (-1.8) is below the industry median of (4.15); while the current ROE (-2.5) 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 (%)	-12.8	12.87
PPOP (%)	-100	-
RoA (%)	-2.3	1.4
ROCE (%)	-0.3	4.15
ROE (%)	-3.3	2.3

Valuation & price assessment

Q.1 Stock return of Niyogin Fintech Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 36.5% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	36.5%	-7.7%	-2%	-2.9%

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	426.76	-	29.12
Price to Book	1.48	1.97	1.11
Price to Sales	5.27	16.93	9.10
EV to EBITDA	37.78	-84.23	11.77

Q.3 Valuation ratios of Niyogin Fintech Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.48 is lower than its historical median of 1.97, indicating that the stock is trading below its historical average valuation.

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