BSE:538772

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with weak fundamentals.

Risks

  • Niyogin Fintech has significant price volatility in the past 3 months.
  • Niyogin Fintech is not covered by any analysts.

Share Price & News

How has Niyogin Fintech's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

23.2%

BSE:538772

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-62.6%

BSE:538772

-3.2%

IN Consumer Finance

-14.7%

IN Market

538772 underperformed the Consumer Finance industry which returned -3.1% over the past year.

538772 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

538772IndustryMarket
7 Day23.2%-3.6%-2.1%
30 Day-0.6%1.9%-3.9%
90 Day-31.9%-10.2%-10.1%
1 Year-62.6%-62.6%-2.5%-3.2%-12.9%-14.7%
3 Year642.6%642.6%59.3%56.0%17.7%11.5%
5 Yearn/a233.9%218.2%35.4%22.5%

Price Volatility Vs. Market

How volatile is Niyogin Fintech's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Niyogin Fintech undervalued based on future cash flows and its price relative to the stock market?

1.72x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Niyogin Fintech to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Niyogin Fintech to establish if it is available at substantial discount.


Price Based on Earnings

Niyogin Fintech is loss making, we can't compare its value to the IN Consumer Finance industry average.

Niyogin Fintech is loss making, we can't compare the value of its earnings to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Niyogin Fintech, we can't assess if its growth is good value.


Price Based on Value of Assets

Niyogin Fintech is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

17.1%

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.


Next Steps

  • Examine Niyogin Fintech's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • Niyogin Fintech competitive advantages and company strategy can generally be found in its financial reports archived here.
  • Explore growth companies in the Diversified Financials industry.

Past Performance

How has Niyogin Fintech performed over the past 5 years?

-56.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Niyogin Fintech does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Niyogin Fintech's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Niyogin Fintech's 1-year growth to the IN Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Niyogin Fintech has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Niyogin Fintech has efficiently used its assets last year compared to the IN Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Niyogin Fintech improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Niyogin Fintech's financial position?


Financial Position Analysis

Niyogin Fintech is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Niyogin Fintech's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Niyogin Fintech has no debt.

Niyogin Fintech has no debt compared to 5 years ago when it was 81.2%.


Balance Sheet

Low level of unsold assets.

Niyogin Fintech has no debt, it does not need to be covered by short term assets.


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.

Niyogin Fintech has sufficient cash runway for more than 3 years based on current free cash flow.

Niyogin Fintech has sufficient cash runway for 2.6 years if free cash flow continues to grow at historical rates of 151.7% each year.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Niyogin Fintech's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Niyogin Fintech's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Niyogin Fintech has not reported any payouts.

Unable to verify if Niyogin Fintech's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Niyogin Fintech has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Niyogin Fintech's salary, the management and board of directors tenure and is there insider trading?

1.5yrs

Average management tenure


CEO

Makarand Patankar (67yo)

0.0yrs

Tenure

₹834,518

Compensation

Mr. Makarand Ram Patankar has been Whole Time Director at M3 Global Finance Limited. since December 05, 2016. Mr. Patankar has over 40 years of experience in financial services, logistics and pharmaceutica ...


CEO Compensation Analysis

Makarand's remuneration is lower than average for companies of similar size in India.

Insufficient data for Makarand to compare compensation growth.


Management Age and Tenure

1.5yrs

Average Tenure

51yo

Average Age

The average tenure for the Niyogin Fintech management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.3yrs

Average Tenure

55yo

Average Age

The average tenure for the Niyogin Fintech board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

Buy₹471,46404 Apr 19
Information Interface India Pvt Ltd.
EntityCompany
Shares5,000
Max Price₹98.39
Buy₹19,922,54012 Feb 19
Amit Rajpal
EntityIndividual
Role
Chairman of the Board
Co-Founder & Non-Executive Chairman
Shares274,000
Max Price₹72.71
Buy₹2,496,98701 Feb 19
Information Interface India Pvt Ltd.
EntityCompany
Shares34,059
Max Price₹73.46

Ownership Breakdown


Management Team

  • Amit Rajpal (46yo)

    Co-Founder & Non-Executive Chairman

    • Tenure: 2.3yrs
  • Gaurav Patankar

    Co-Founder

    • Tenure: 0.0yrs
  • Sandeep Akolkar (51yo)

    Chief Financial Officer

    • Tenure: 0.5yrs
  • Mandar Godbole

    Company Secretary & Compliance Officer

    • Tenure: 1.5yrs
    • Compensation: ₹1.59m
  • Makarand Patankar (67yo)

    Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹834.52k
  • Arnab Bhattacharya

    President

    • Tenure: 0.0yrs
    • Compensation: ₹10.30m
  • Noorallah Charania

    Chief Operations Officer

    • Tenure: 1.6yrs
  • Kapil Kini

    Head of Sales

    • Tenure: 1.6yrs
  • Parag Chopde

    President

    • Tenure: 0.0yrs
  • Srivaths Varadharajan

    Chief Information Officer

    • Tenure: 0.0yrs

Board Members

  • Kapil Kapoor (55yo)

    Non-Executive Independent Director

    • Tenure: 2.3yrs
    • Compensation: ₹550.00k
  • Amit Rajpal (46yo)

    Co-Founder & Non-Executive Chairman

    • Tenure: 2.3yrs
  • Eric Wetlaufer (56yo)

    Independent Director

    • Tenure: 0.5yrs
  • Sutapa Banerjee (54yo)

    Non-Executive Independent Director

    • Tenure: 2.3yrs
    • Compensation: ₹675.00k
  • Makarand Patankar (67yo)

    Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹834.52k
  • Sucheta Dalal

    Non-Executive Independent Director

    • Tenure: 2.3yrs
    • Compensation: ₹675.00k

Company Information

Niyogin Fintech Limited's company bio, 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: ₹4.536b
  • Shares outstanding: 85.91m
  • Website: https://www.niyogin.in

Number of Employees


Location

  • Niyogin Fintech Limited
  • Plot No. 240/240-1-8
  • 311/312, 3rd Floor
  • Mumbai
  • Maharashtra
  • 400086
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
538772BSE (Mumbai Stock Exchange)YesEquity SharesININRNov 2014

Biography

Niyogin Fintech Limited operates as a non-banking finance company in India. It is involved in unsecured loans, lending, and allied activities to micro, small, and medium enterprises. The company was former ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:54
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


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.