Niyogin Fintech Limited (NIYOGIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹4.8B
Fair value as of: Jul 5, 2026
From 2 valuation models · updated today
Share price −3.9% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹31.65 – ₹77.26 · fair‑value band ₹7.84 – ₹14.85 · the ₹43.36 price screens above the ₹11.88 fair value. As of Jul 5, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Niyogin Fintech Limited (NIYOGIN) currently trades at ₹43.36, while our model-based Fair Value estimate is ₹11.88 — implying the stock looks roughly 72.6% overvalued today. We read business quality at 34/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).
Over the trailing twelve months, Niyogin Fintech Limited generated revenue of ₹2.9B at a net margin of -0.2%. Revenue grew 3.4% year over year. It earns a return on equity of 0.1%. Net debt stands at ₹1.7B. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹7.84 (bear case) to ₹14.85 (bull case); at ₹43.36, the current price sits above that range. The share trades about 47% below its 52-week high and 44% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside — at -73%, NIYOGIN screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
Niyogin Fintech Limited, together with its subsidiaries, operates as a non-banking finance company in India. The company operates iServeU, a banking-as-a-service payment platform for payment acquiring, issuing, accounts, lending, withdrawal, deposit, remittance, insurance, and customer KYC; Moneymap, an investment platform that offers financial advisory services; and Moneyfront, a digital platform for wealth advisory and analytics B2C investments for individuals, wealth analytics and a corporate treasury management platform. It also provides working capital and business term loans, supply chain loans, and other short duration and secured loans to MSMEs; wealth products, such as mutual funds, bonds, corporate deposits, PMS, etc.; and reporting and analytical tools to other private wealth outfits. The company was formerly known as M3 Global Finance Limited and changed its name to Niyogin Fintech Limited in June 2017. Niyogin Fintech Limited was incorporated in 1988 and is based in …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Niyogin Fintech Limited reported revenue of ₹2.2B in FY2025 versus ₹1.0B in FY2021, a compound +21.4%/yr. Reported net income was −₹4.7M in FY2025.
Is NIYOGIN fairly valued? → Check now
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$412.88 | R$211.20 | -49% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Niyogin Fintech Limited (NIYOGIN) undervalued?
What is the fair value of NIYOGIN?
What is the quality score of NIYOGIN?
What is the revenue of Niyogin Fintech Limited (NIYOGIN)?
What is the net profit margin of NIYOGIN?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.