company background image
5387

Niyogin FintechBSE:538772 Stock Report

Market Cap

₹7.3b

7D

-0.6%

1Y

20.8%

Updated

23 Sep, 2021

Data

Company Financials
538772 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health6/6
Dividends0/6

538772 Overview

Niyogin Fintech Limited operates as a non-banking finance company in India.

Price History & Performance

Summary of all time highs, changes and price drops for Niyogin Fintech
Historical stock prices
Current Share Price₹78.05
52 Week High₹57.20
52 Week Low₹112.90
Beta0.92
1 Month Change-1.08%
3 Month Change0.13%
1 Year Change20.82%
3 Year Change-35.34%
5 Year Change997.75%
Change since IPO48.95%

Recent News & Updates

Shareholder Returns

538772IN Consumer FinanceIN Market
7D-0.6%2.5%0.3%
1Y20.8%105.4%71.8%

Return vs Industry: 538772 underperformed the Indian Consumer Finance industry which returned 94.9% over the past year.

Return vs Market: 538772 underperformed the Indian Market which returned 65.2% over the past year.

Price Volatility

Is 538772's price volatile compared to industry and market?
538772 volatility
538772 Beta0.92
Industry Beta1.25
Market Beta1

Stable Share Price: 538772 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: 538772's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198885Tashwinder Singhhttps://www.niyogin.com

Niyogin Fintech Limited operates as a non-banking finance company in India. The company provides unsecured working capital credits to micro, small, and medium enterprises. It also offers payment services; and Moneyfront, a digital solution that provides investment advisory products to consumers.

Niyogin Fintech Fundamentals Summary

How do Niyogin Fintech's earnings and revenue compare to its market cap?
538772 fundamental statistics
Market Cap₹7.30b
Earnings (TTM)-₹69.21m
Revenue (TTM)₹504.95m

14.5x

P/S Ratio

-105.5x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
538772 income statement (TTM)
Revenue₹504.95m
Cost of Revenue₹172.08m
Gross Profit₹332.87m
Expenses₹402.08m
Earnings-₹69.21m

Last Reported Earnings

Mar 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.79
Gross Margin65.92%
Net Profit Margin-13.71%
Debt/Equity Ratio0.1%

How did 538772 perform over the long term?

See historical performance and comparison

Valuation

Is Niyogin Fintech undervalued compared to its fair value and its price relative to the market?

2.56x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 538772's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 538772's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 538772 is unprofitable, so we can't compare its PE Ratio to the Indian Consumer Finance industry average.

PE vs Market: 538772 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 538772's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 538772 is overvalued based on its PB Ratio (2.6x) compared to the IN Consumer Finance industry average (0.8x).


Future Growth

How is Niyogin Fintech forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

28.7%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Niyogin Fintech has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Niyogin Fintech performed over the past 5 years?

-41.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 538772 is currently unprofitable.

Growing Profit Margin: 538772 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 538772 is unprofitable, and losses have increased over the past 5 years at a rate of 41.6% per year.

Accelerating Growth: Unable to compare 538772's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 538772 is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (3.3%).


Return on Equity

High ROE: 538772 has a negative Return on Equity (-2.38%), as it is currently unprofitable.


Financial Health

How is Niyogin Fintech's financial position?


Financial Position Analysis

Short Term Liabilities: 538772's short term assets (₹1.5B) exceed its short term liabilities (₹420.4M).

Long Term Liabilities: 538772's short term assets (₹1.5B) exceed its long term liabilities (₹136.6M).


Debt to Equity History and Analysis

Debt Level: 538772's debt to equity ratio (0.1%) is considered satisfactory.

Reducing Debt: 538772's debt to equity ratio has reduced from 87.9% to 0.1% over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Whilst unprofitable 538772 has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.

Forecast Cash Runway: 538772 is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by 11.3% per year.


Dividend

What is Niyogin Fintech current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 538772's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 538772's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 538772's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 538772's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 538772's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.0yrs

Average management tenure


CEO

Tashwinder Singh (51 yo)

0.92

Tenure

₹120,965,003

Compensation

Mr. Tashwinder Harjap Singh has served as the Chief Executive Officer of Niyogin Fintech Limited since October 14, 2020. Mr. Singh has served as an Independent Non-Executive Director at Standard Industries...


CEO Compensation Analysis

Compensation vs Market: Tashwinder's total compensation ($USD1.64M) is above average for companies of similar size in the Indian market ($USD38.64K).

Compensation vs Earnings: Insufficient data to compare Tashwinder's compensation with company performance.


Leadership Team

Experienced Management: 538772's management team is not considered experienced ( 1 years average tenure), which suggests a new team.


Board Members

Experienced Board: 538772's board of directors are considered experienced (3.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 8.8%.


Top Shareholders

Company Information

Niyogin Fintech Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Niyogin Fintech Limited
  • Ticker: 538772
  • Exchange: BSE
  • Founded: 1988
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹7.302b
  • Shares outstanding: 93.56m
  • Website: https://www.niyogin.com

Number of Employees


Location

  • Niyogin Fintech Limited
  • 311/312, Neelkanth Corporate IT Park
  • 3rd Floor
  • Mumbai
  • Maharashtra
  • 400086
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/23 15:59
End of Day Share Price2021/09/23 00:00
Earnings2021/03/31
Annual Earnings2021/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.