Niyogin Fintech Ltd is an Indian non-banking finance company. It is engaged in providing lending facilities and credit services to small and medium business. Geographically, it operates only in India. The company generates its revenue in the form of interest income, processing fees, Bounce charges, and other finance charges.

Financial Strength

7/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	11.36
Equity-to-Asset	0.68
Debt-to-Equity	0.04
Debt-to-EBITDA	-1.57
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	2/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	4.14	Distress Grey Safe
Beneish M-Score	-1.71	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	80.1
	3-Year EBITDA Growth Rate	1.7
	3-Year EPS without NRI Growth Rate	-12
	3-Year FCF Growth Rate	19.8
	3-Year Book Growth Rate	1

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	81.06
	9-Day RSI	70.87
	14-Day RSI	63.6
	6-1 Month Momentum %	-14.98
	12-1 Month Momentum %	75.38

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	27.01
	Quick Ratio	26.51
	Cash Ratio	11.54
	Days Inventory	11.35
	Days Sales Outstanding	44.07
	Days Payable	13.36

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-3.1
	Shareholder Yield %	-0.74

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	6.91
	Operating Margin %	-11.88
	Net Margin %	-9.85
	FCF Margin %	-34.05
	ROE %	-6.17
	ROA %	-4.66
	ROIC %	-7.3
	ROC (Joel Greenblatt) %	-44.89
	ROCE %	-4.01
	Years of Profitability over Past 10-Year	3

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	3.77
	PB Ratio	2.32
	Price-to-Tangible-Book	3.96
	EV-to-EBIT	-46.97
	EV-to-EBITDA	-102.91
	EV-to-Revenue	3.78
	EV-to-FCF	-9.42
	Price-to-Net-Current-Asset-Value	5.71
	Earnings Yield (Greenblatt) %	-2.13
	FCF Yield %	-7.78

GF Value: ₹112.33

BOM:538772

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