Niyogin Fintech Ltd

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Niyogin Fintech Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Niyogin Fintech Ltd

₹ 44.1 -3.14%
13 Nov - close price
niyogin.com BSE: 538772
About

Niyogin Fintech Ltd is a fintech company and a registered NBFC. The Co. provides a digital platform that enables access to relevant services & products for MSMEs providing financial inclusion, credit, investments and SAAS services. [1]

Key Points

Business Overview:[1]
NFL is a fintech and non-banking finance company that originated through the acquisition of BSE-listed M3 Global Finance Ltd, established in 1988, by Information Interface India Pvt. Ltd. The company was rebranded as NFL in May 2017 and acquired Moneyfront, a wealth advisory and analytics platform, in 2019. Its business includes a digital credit aggregation platform providing MSMEs access to loans through a network of financial professionals and partner NBFCs and banks, alongside offering small-ticket unsecured business loans (UBL) to MSMEs.

Website BSE
  • Market Cap ₹ 490 Cr.
  • Current Price ₹ 44.1
  • High / Low ₹ 71.9 / 30.2
  • Stock P/E 246
  • Book Value ₹ 32.4
  • Dividend Yield 0.00 %
  • ROCE 4.31 %
  • ROE 1.43 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 35.8% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 39.5%
  • Company has a low return on equity of -1.24% over last 3 years.
  • Earnings include an other income of Rs.13.4 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
8.79 10.63 13.64 16.03 16.94 20.12 23.34 25.29 26.50 25.62 26.06 29.19 22.08
Interest 0.44 0.36 0.96 1.45 2.03 2.67 2.40 2.88 3.47 4.17 4.35 4.83 3.83
11.83 11.62 13.64 16.87 16.83 20.72 24.16 22.68 22.23 28.26 23.82 23.94 20.27
Financing Profit -3.48 -1.35 -0.96 -2.29 -1.92 -3.27 -3.22 -0.27 0.80 -6.81 -2.11 0.42 -2.02
Financing Margin % -39.59% -12.70% -7.04% -14.29% -11.33% -16.25% -13.80% -1.07% 3.02% -26.58% -8.10% 1.44% -9.15%
0.12 0.06 0.87 0.07 0.10 0.73 1.04 1.12 1.19 8.27 3.88 0.62 0.66
Depreciation 0.20 0.25 0.25 0.25 0.28 0.35 0.15 0.25 0.24 0.24 0.23 0.22 0.23
Profit before tax -3.56 -1.54 -0.34 -2.47 -2.10 -2.89 -2.33 0.60 1.75 1.22 1.54 0.82 -1.59
Tax % -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00%
-3.57 -1.54 -0.34 -2.47 -2.10 -2.89 -2.33 0.60 1.75 1.22 1.54 0.82 -1.59
EPS in Rs -0.38 -0.16 -0.04 -0.26 -0.22 -0.30 -0.21 0.05 0.16 0.11 0.14 0.07 -0.14
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0 0 0 12 23 28 26 22 24 40 76 104 103
Interest -0 -0 -0 -0 0 0 0 0 0 2 9 15 17
0 0 5 14 28 47 29 28 32 46 79 97 96
Financing Profit -0 0 -5 -2 -5 -20 -4 -6 -8 -8 -11 -8 -11
Financing Margin % -0% 9% -3,180% -17% -23% -72% -16% -27% -33% -20% -14% -8% -10%
-0 -0 -0 -0 0 0 0 2 2 1 2 14 13
Depreciation -0 -0 -0 1 3 3 3 1 0 1 1 1 1
Profit before tax -0 0 -5 -3 -8 -23 -6 -4 -6 -8 -10 5 2
Tax % -0% -0% -0% -0% -0% -0% -0% -0% -0% -0% -0%
-0 -0 -5 -3 -8 -23 -6 -4 -6 -8 -10 5 2
EPS in Rs -0.00 -0.00 -13.25 -0.33 -0.96 -2.71 -0.69 -0.45 -0.68 -0.79 -0.88 0.46 0.18
Dividend Payout % -0% -0% -0% -0% -0% -0% -0% -0% -0% -0%
Compounded Sales Growth
10 Years: 98%
5 Years: 32%
3 Years: 62%
TTM: 8%
Compounded Profit Growth
10 Years: %
5 Years: 23%
3 Years: 41%
TTM: 169%
Stock Price CAGR
10 Years: 14%
5 Years: -13%
3 Years: -16%
1 Year: -38%
Return on Equity
10 Years: -3%
5 Years: -1%
3 Years: -1%
Last Year: 1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 4 4 4 80 85 86 94 94 94 95 111 111 111
Reserves 0 0 8 176 171 156 193 195 193 210 242 249 249
Borrowing 3 3 7 5 -0 -0 -0 -0 -0 45 89 125 90
-0 -0 0 4 6 7 36 8 10 23 35 50 59
Total Liabilities 7 7 19 264 262 249 323 296 297 373 477 535 508
-0 -0 0 6 8 4 2 1 1 4 3 2 2
CWIP -0 -0 0 1 0 0 -0 -0 -0 -0 -0 -0 -0
Investments -0 -0 -0 239 159 67 193 205 151 147 159 170 208
7 7 19 18 95 177 128 90 146 222 316 363 299
Total Assets 7 7 19 264 262 249 323 296 297 373 477 535 508

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0 -0 -4 -23 -68 -103 103 -53 -31 -65 -80 -62
0 -0 6 -239 69 110 -112 31 62 -3 -9 -24
-0 0 17 244 -0 -1 47 0 -1 67 98 36
Net Cash Flow 0 -0 19 -18 -0 7 38 -22 31 -2 9 -51
Free Cash Flow -0 -0 -4 -29 -69 -103 103 -53 -31 -66 -80 -63

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -0% -0% -62% -2% -3% -9% -2% -1% -2% -3% -3% 1%

Insights

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Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Finance Professional Partner Network (Niyogin Partners)
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Lending AUM (including FLDG/off-book)
INR Crores
iServeU Gross Transaction Value (GTV)
INR Crores
iServeU Partners (BC/BaaS Partners)
Count
iServeU Touchpoints (BC Agents/Retailers)
Count
LTD Loans Processed (NFL Network, Cumulative)
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
39.59% 39.31% 39.31% 39.31% 39.28% 37.65% 37.73% 38.73% 38.89% 39.07% 39.50% 39.50%
16.55% 16.29% 16.05% 15.92% 14.08% 19.40% 19.39% 19.53% 19.53% 19.53% 19.53% 19.53%
1.06% 1.05% 1.05% 1.05% 1.05% 1.79% 1.79% 1.93% 1.90% 1.99% 2.04% 2.13%
42.80% 43.35% 43.60% 43.72% 45.58% 41.17% 41.11% 39.80% 39.67% 39.41% 38.92% 38.85%
No. of Shareholders 7,6918,1688,9509,17611,62111,33911,13910,58210,51710,30810,1389,565

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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