Niyogin Fintech Ltd
Ticker: NIYOGIN
Risky
48/100
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Investing Reference
Price
65.39
Market Cap
727.45
Debt/Equity
0.2919
ROE %
-5.153
PB
2.2112
Promoter %
37.724
Pledge %
0.000
1Y Rev Growth %
56.071
5Y Rev Growth %
61.589
NP Margin %
-5.142
NP Margin 5Y Avg %
-9.582
Trading Reference
1M Return %
-5.260
6M Return %
31.755
1Y Return %
18.546
% Away 52W High
26.013
% Away 52W Low
64.173
Daily Volume
29967
Investment Verdict
Risky
Score 59/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 32/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Niyogin Fintech Ltd is likely to experience moderate upside potential in the medium term, with strong support around the 200-day EMA and resistance at recent highs. Volume trends indicate increasing interest, suggesting a bullish sentiment may prevail.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Niyogin Fintech Ltd is a pioneering financial technology company in India, dedicated to empowering small and medium enterprises (SMEs) with innovative financial solutions. By leveraging technology, Niyogin simplifies access to credit and financial services, enabling businesses to thrive in a competitive landscape. This matters as it fosters economic growth and supports job creation in the SME sector. Niyogin is committed to transparency, customer-centricity, and driving financial inclusion across the nation.
- Empowers SMEs with tailored financial solutions
- Simplifies access to credit and funding
- Promotes economic growth and job creation
- Focuses on transparency and customer satisfaction
- Drives financial inclusion across India
Investment Thesis
Niyogin Fintech Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. As the fintech landscape evolves, Niyogin is well-positioned to capitalize on emerging trends.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services portfolio taps into the growing fintech market.
- Attractive valuation metrics compared to industry peers suggest potential upside.
- Focus on financial inclusion aligns with government initiatives and market demand.
- Robust growth strategy positions Niyogin for sustained long-term performance.
Opportunity vs Risk
Opportunities
- Growing fintech sector in India
- Increasing digital payment adoption
- Potential for strategic partnerships
- Expansion into rural markets
- Government support for digital finance
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in fintech space
- Market volatility affecting investments
- Dependence on technology infrastructure
- Economic downturn impacting consumer spending
Peer Perspective
Niyogin Fintech Ltd trades at a discount to peers like Paytm and Zomato, reflecting concerns over growth stability. A consistent improvement in margins could trigger a rerating, aligning its valuation more closely with industry leaders.
Future Outlook
Niyogin Fintech Ltd has strong growth potential in the fintech sector, provided it maintains disciplined execution and effective cost control. Continued innovation and strategic partnerships will be key to unlocking its value.
AI FAQs for Retail Users
- Q: What does Niyogin Fintech Ltd do?A: Niyogin Fintech Ltd offers financial services, including lending and investment solutions, primarily through digital platforms.
- Q: Is Niyogin Fintech Ltd a profitable company?A: Profitability can vary; it's essential to review the latest financial reports for current performance.
- Q: How can I invest in Niyogin Fintech Ltd?A: You can invest through a brokerage account by purchasing shares on the stock exchange.
- Q: What are the risks of investing in Niyogin Fintech Ltd?A: Risks include market volatility, regulatory changes, and company-specific challenges affecting performance.
- Q: Where can I find more information about Niyogin Fintech Ltd?A: You can check the company's official website, financial news, and stock market analysis platforms.
📊 Stock Investment Checklist (100 Points)
Niyogin Fintech Ltd • Updated: 2025-09-17 16:03:14
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10BusinessHighThe fintech sector is growing, but Niyogin's business model lacks a clear competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not stable.
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9ValuationHighValuation metrics are higher than peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are concerning.
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7GovernanceHighPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodLimited growth catalysts identified, with significant execution risks.
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1TechnicalsLowMarket sentiment is weak, with low trading volumes and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Niyogin Fintech Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 65/100