Niyogin Fintech Ltd

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

Niyogin Fintech Ltd

₹ 44.1 -2.61%
13 Mar - close price
niyogin.in 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 Offerings
Financial Inclusion:It includes Domestic Money Transfer, Aadhaar Enabled Payment System, Micro ATM, among others.
Investment: Direct plans for Mutual Funds, Advisory and Fin. Planning, Insta cash, Corporate Deposit, Bonds, etc.
White Labeled Investment Platform (For distributors): It supports investment in direct and regular mutual funds.
Institutional Offerings: Corporate Treasury(Assistance to corporates in investing their idle funds), Analytics Solution (Build customer portfolios using Analytics)
Credit Solutions: It Offer a wide variety of Secured loans (such as Loan Against Property, Home Loans, Balance Transfer etc) & Unsecured loans (Business Loans, Working Capital loans, etc) [1]

Website BSE
  • Market Cap ₹ 420 Cr.
  • Current Price ₹ 44.1
  • High / Low ₹ 85.0 / 39.8
  • Stock P/E
  • Book Value ₹ 28.6
  • Dividend Yield 0.00 %
  • ROCE -6.60 %
  • ROE -6.06 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Debtor days have improved from 67.6 to 28.5 days.

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 39.3%
  • Company has a low return on equity of -4.80% over last 3 years.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
27.08 29.78 24.75 25.25 24.93 33.73 44.86 47.13 53.59 50.18 50.39 72.52 111.21
28.72 31.21 32.26 34.76 33.86 37.48 50.00 55.55 55.38 50.40 56.06 71.20 112.46
Operating Profit -1.64 -1.43 -7.51 -9.51 -8.93 -3.75 -5.14 -8.42 -1.79 -0.22 -5.67 1.32 -1.25
OPM % -6.06% -4.80% -30.34% -37.66% -35.82% -11.12% -11.46% -17.87% -3.34% -0.44% -11.25% 1.82% -1.12%
0.65 1.50 2.68 1.20 2.05 2.57 0.68 0.27 0.17 1.10 0.40 0.37 2.00
Interest 0.20 -0.11 0.05 0.08 0.25 0.44 0.79 1.07 1.13 1.67 2.41 3.17 3.56
Depreciation 1.32 1.32 1.34 1.51 1.57 1.69 1.90 1.96 2.07 2.17 2.19 2.57 2.44
Profit before tax -2.51 -1.14 -6.22 -9.90 -8.70 -3.31 -7.15 -11.18 -4.82 -2.96 -9.87 -4.05 -5.25
Tax % -16.73% 3.51% 1.29% -0.20% 1.84% 1.21% -7.13% -12.34% -4.77% 28.38% -0.30% 4.94% -6.48%
-2.10 -1.19 -6.29 -9.88 -8.86 -3.35 -6.64 -9.80 -4.59 -3.81 -9.84 -4.25 -4.91
EPS in Rs -0.18 -0.08 -0.44 -0.60 -0.57 -0.27 -0.51 -0.72 -0.33 -0.22 -0.68 -0.44 -0.51
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
28 50 103 110 196 284
48 52 108 137 211 290
Operating Profit -20 -2 -5 -28 -15 -6
OPM % -73% -4% -5% -25% -7% -2%
0 0 4 8 2 4
Interest 0 1 1 2 5 11
Depreciation 4 5 5 6 8 9
Profit before tax -25 -7 -8 -28 -26 -22
Tax % -1% 2% -2% 1% -5%
-25 -7 -8 -28 -25 -23
EPS in Rs -2.78 -0.74 -0.63 -1.87 -1.76 -1.85
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 58%
TTM: 59%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -3%
Stock Price CAGR
10 Years: 8%
5 Years: -1%
3 Years: -10%
1 Year: -29%
Return on Equity
10 Years: %
5 Years: %
3 Years: -5%
Last Year: -6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 86 94 94 94 95 95
Reserves 155 192 192 178 186 177
0 0 0 0 54 69
9 82 77 72 117 151
Total Liabilities 250 368 363 345 452 492
14 125 101 111 116 127
CWIP 0 0 0 0 1 0
Investments 60 80 63 7 2 6
177 163 199 226 333 359
Total Assets 250 368 363 345 452 492

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-104 110 -70 -58 -37
112 -118 39 87 -18
-1 47 0 -3 70
Net Cash Flow 7 40 -31 26 15

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 1 58 98 76 28
Inventory Days 36 24 222
Days Payable 88 58 185
Cash Conversion Cycle 1 6 64 114 28
Working Capital Days -26 -264 7 19 -94
ROCE % -2% -2% -9% -7%

Shareholding Pattern

Numbers in percentages

5 Recently
Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
38.55% 39.66% 39.66% 39.64% 39.64% 39.60% 39.60% 39.59% 39.31% 39.31% 39.31% 39.28%
14.95% 14.87% 14.21% 14.21% 14.21% 12.13% 17.24% 16.55% 16.29% 16.05% 15.92% 14.08%
0.00% 0.00% 0.00% 0.00% 0.00% 1.06% 1.06% 1.06% 1.05% 1.05% 1.05% 1.05%
46.51% 45.48% 46.13% 46.16% 46.13% 47.20% 42.10% 42.80% 43.35% 43.60% 43.72% 45.58%
No. of Shareholders 4,2244,8625,0054,8994,7154,6706,8177,6918,1688,9509,17611,621

* 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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Documents

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