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NIKKI GLOBAL FINANCE LTD. (NIKKIGL) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of NIKKI GLOBAL FINANCE LTD. ₹8.13, price ₹19.95, upside -59.3%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · IN · ISIN INE526C01012

NG Thin data Oct 3, 2026

NIKKI GLOBAL FINANCE LTD.

NIKKIGL · BSE

Stretched ValuationStrong overvaluation with only moderate quality.

Highly profitable · 73.4% net margin (TTM)
Low debt
Wide moat 74/100
Quality 58/100
Mixed Growth (revenue 5y +42.5 %/yr in INR)
Mixed vs. peers (6/12)
Fair value ₹8.13 · Strongly overvalued (−59.3%)
Negative free cash flow
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹24.74 ₹0.0005 Fair Value ₹8.13 Aug 2015 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range ₹0.0005 – ₹24.74 · fair‑value band ₹6.10 – ₹10.16 · the ₹19.95 price screens above the ₹8.13 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

Nikki Global Finance Limited, a credit institution, provides various debt products to corporates and individuals in India.

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Nikki Global Finance Limited, a credit institution, provides various debt products to corporates and individuals in India. The company offers secured corporate lending in the form of secured term loans for capital expenditure, working capital, and brownfield/greenfield expansions; loans at project level for the construction of commercial and residential properties primarily in the form of last mile financing for near completion properties; and loans against gold and listed shares. It also provides special situations funding for various purposes, such as acquisitions, buyouts, bridge financing, creeping takeover, and secured term loans for working capital and brownfield expansions; structured customized debt financing solutions for corporate borrowers; secured promoter funding; purchase of secured consumer loan pools; and co-lending services. Nikki Global Finance Limited was incorporated in 1986 and is based in New Delhi, India.

Stock analysis

NIKKI GLOBAL FINANCE LTD. (NIKKIGL) currently trades at ₹19.95, while our model-based Fair Value estimate is ₹8.13, 59.3% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ₹6.19 per share, and 0 of the 5 models we run sit above the ₹19.95 price.

Bear case: the Asset-Based group reads lowest at ₹2.96, and 5 of the 5 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹6.10 (bear) to ₹10.16 (bull), the price of ₹19.95 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

NIKKI GLOBAL FINANCE LTD. reported revenue of ₹4.0M in FY2026 versus ₹220K in FY2022, a compound +106.2%/yr. Reported net income was ₹2.1M in FY2026.

Key figures

Market cap ₹68.2M (≈ $708K) · P/E ratio 14.0 · P/S ratio 7.54 · EPS (TTM) ₹1.42 · Net margin 53.6% · Return on equity 15.2% · Return on assets (EBIT) −0.7% · Operating margin 84.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 11% below its 52-week high and 37% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −59%, NIKKIGL screens richer than that median.

Fair Value models

Bear ₹6.10 Fair Value ₹8.13 Bull ₹10.16
Price ₹19.95 · Upside -59.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.7314 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income ₹4.28 ₹5.03 ₹6.28 68
Graham-Dodd ₹4.25 ₹5.20 ₹5.85 65
P/E Multiple ₹6.10 ₹8.13 ₹10.16 63
All 5 models by family
Earnings-Based
Graham-Dodd ₹4.25 ₹5.20 ₹5.85 65
Multiples
P/E Multiple ₹6.10 ₹8.13 ₹10.16 63
P/B Multiple ₹4.64 ₹6.19 ₹7.74 55
Asset-Based
NCAV (Graham) ₹2.21 ₹2.96 ₹4.42 54
Economic Profit
Residual Income ₹4.28 ₹5.03 ₹6.28 68

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Quality Score breakdown

Overall quality 58/100

Of which business quality 48 · Market factors (momentum, volatility) 53

Profitability 39
Margins and returns on capital today
Quality Growth 74
Are margins and returns improving?
Cashflow 38
Earnings quality: real cash, not paper profit
Fin. Strength 0
Balance sheet, leverage, solvency risk
Investment 98
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 33
Price trend over the last 3–12 months (market factor)
52W Momentum 51
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 58/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+249.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+42.5%
Start year 2021 (pandemic). Over 10 years: −18.4% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−17.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−50.2% (2021) → 63.6% (2026)

NIKKIGL screens overvalued: fair value 59% below the price. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −59.2% · Bottom 25%
Profitability
Return on equity (TTM) 15.2% · Top 25%
Return on assets 1.7% · Below median
Net margin (TTM) 73.4% · Top 25%
Operating margin (TTM) 84.1% · Top 25%
Growth and dividend
Revenue growth 911.4% · Top 25%
Balance sheet
Debt / equity 0.34× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 14.0× · Pricier than median
P/B 4.51× · Priciest 25%
P/S (TTM) 10.37× · Priciest 25%
EV/EBITDA 14.0× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 53
FUTURE (revenue growth)100 · sector 52
PAST (return on equity)61 · sector 32
HEALTH (low debt)83 · sector 56
DIVIDEND (yield)0 · sector 64

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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NIKKI GLOBAL FINANCE LTD. · Fair Value
₹8.13 −59%Fair Value
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Cite: Fair Value Calculator (2026). "NIKKI GLOBAL FINANCE LTD. Fair Value". https://www.fairvalue-calculator.com/stock/NIKKIGL

Frequently asked questions

Is NIKKI GLOBAL FINANCE LTD. (NIKKIGL) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹8.13 versus a price of ₹19.95, about −59% upside (overvalued).
What is the fair value of NIKKIGL?
Our model-based fair value for NIKKI GLOBAL FINANCE LTD. is ₹8.13 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹19.95.
What is the quality score of NIKKIGL?
NIKKI GLOBAL FINANCE LTD. has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
Our model-based price target is the fair value of ₹8.13 (as of Oct 3, 2026) from 5 valuation models. Cautious scenario ₹6.10, optimistic scenario ₹10.16. It is a calculation from audited fundamentals, not an analyst target.
What is the NIKKI GLOBAL FINANCE LTD. stock forecast for 2026?
Our models put fair value at ₹8.13, about −59% upside versus a price of ₹19.95 (overvalued). Cautious scenario ₹6.10, optimistic scenario ₹10.16. The calculation is refreshed regularly with new filings.
What is the revenue of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
NIKKI GLOBAL FINANCE LTD. reported trailing-twelve-month revenue of about ₹6.6M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NIKKI GLOBAL FINANCE LTD. it is ₹8.13 per share (as of Oct 3, 2026), against a price of ₹19.95. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is NIKKI GLOBAL FINANCE LTD. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, NIKKIGL trades above its calculated fair value: price ₹19.95, fair value ₹8.13, a gap of about −59% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NIKKIGL?
No. The price is what the market pays today (₹19.95); the fair value is what the company's own numbers justify (₹8.13). For NIKKI GLOBAL FINANCE LTD. the two are ₹11.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is NIKKI GLOBAL FINANCE LTD. worth?
The market values NIKKI GLOBAL FINANCE LTD. at about ₹68.2M (market capitalisation, as of Oct 3, 2026). Per share that is ₹19.95; our models calculate a fair value of ₹8.13 per share.
What do the bullish and bearish scenarios say about NIKKIGL?
Our models span a range for NIKKI GLOBAL FINANCE LTD.: cautious scenario ₹6.10, base ₹8.13, optimistic ₹10.16 per share (as of Oct 3, 2026, price ₹19.95). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NIKKIGL?
NIKKI GLOBAL FINANCE LTD. trades at a price-to-earnings ratio of 14.0 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹8.13 is built from several models across several years. Other multiples: P/B 4.5, P/S 10.4, EV/EBITDA 14.0.
How solid is the balance sheet of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
Balance-sheet figures for NIKKI GLOBAL FINANCE LTD. (as of Oct 3, 2026): return on equity 15.2%, debt of 0.34 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is NIKKIGL from its 52-week high?
NIKKI GLOBAL FINANCE LTD. trades at ₹19.95, about 11% below its 52-week high of ₹22.36 and 37% above the low of ₹14.53 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹8.13 is for.
Which stocks are comparable to NIKKI GLOBAL FINANCE LTD.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is NIKKI GLOBAL FINANCE LTD. stock attractive at the current price?
The data as of Oct 3, 2026: price ₹19.95, calculated fair value ₹8.13 (−59%), Quality Score 58/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NIKKIGL calculated?
We run NIKKI GLOBAL FINANCE LTD. through 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹8.13, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. NIKKI GLOBAL FINANCE LTD. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The closing price on Oct 1, 2026 was ₹19.95. Our model-based fair value is ₹8.13, about −59% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NIKKI GLOBAL FINANCE LTD. right now?
The price sits above even our optimistic bull case (₹10.16). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of NIKKI GLOBAL FINANCE LTD.

How large is the market capitalisation of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The market capitalisation of NIKKI GLOBAL FINANCE LTD. is ₹68.2M (≈ $708K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The price-to-sales ratio of NIKKI GLOBAL FINANCE LTD. is 7.54 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
Earnings per share at NIKKI GLOBAL FINANCE LTD. are ₹1.42 (price ÷ EPS = P/E 14.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The net margin of NIKKI GLOBAL FINANCE LTD. is 53.6% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The return on equity (ROE) of NIKKI GLOBAL FINANCE LTD. is 15.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
On an EBIT basis the return on assets of NIKKI GLOBAL FINANCE LTD. is −0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
The operating margin of NIKKI GLOBAL FINANCE LTD. is 84.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NIKKI GLOBAL FINANCE LTD. (NIKKIGL)?
Revenue at NIKKI GLOBAL FINANCE LTD. is growing +911% versus a year earlier (3y avg +249%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does NIKKI GLOBAL FINANCE LTD. (NIKKIGL) generate?
The free cash flow of NIKKI GLOBAL FINANCE LTD. is −₹104K (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does NIKKI GLOBAL FINANCE LTD. (NIKKIGL) carry?
The net debt of NIKKI GLOBAL FINANCE LTD. is ₹5.0M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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