Niyogin Fintech Ltd

Q4 FY25Finance

Niyogin Fintech Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 investor presentation: what the company reported on revenue, margins and projects.

Price₹54

Market cap₹618 Cr

Updated24 Sept 2026

Read3 min read

Based on Niyogin Fintech Ltd's Q4 FY25 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the presentation reports, not management guidance.

The short version

Q4 FY25 gross revenue: Rs. EBITDA for Q4FY25: Reported EBITDA of Rs.

From Niyogin Fintech Ltd's Q4 FY25 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

- Q4 FY25 gross revenue: Rs. 37.4 crores, +4% YoY; net revenue: Rs. 13.6 crores, +123% YoY (Page 24, 18) - Gross income (consolidated) Q4 FY25: Rs. 71.1 crores, +39% YoY; net revenue: Rs. 22.2 crores, +60% YoY (Page 29) - Lending AUM at Rs. 278.8 crores, +56% YoY for FY25 (Page 16, 5) - New loan accounts in Embedded Lending up 87% YoY to 31,063 in Q4 FY25 (Page 12) - Devices deployed: 179K (Page 3) - FY25 net revenue: Rs. 39.6 crores, +12% YoY; adjusted EBITDA loss reduced to Rs. 0.6 crore from Rs. 10.6 crore (Page 25, 6) - FY26 outlook (Page 8): • Target gross disbursements Rs. 750 crores • Over 15 lending partners/programs • Serve more than 1 million loan accounts

2 more points management made on revenue & sales performance

Profitability & Margins

EBITDA for Q4FY25: Reported EBITDA of Rs. 2.8 crores, up 174% YoY (Page 24)
Operating Margin (Adjusted EBITDA) for Q4FY25: Adjusted EBITDA of Rs. 2.0 crores, up 1075% YoY (Page 24)
Profit (PAT) for Q4FY25: Reported pre-tax profit of Rs. 0.9 crores vs loss of Rs. 0.9 crores YoY (Page 24)

2 more points management made on profitability & margins

See what Niyogin Fintech Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The investor presentation does not describe any capex, capacity expansion, or new plant/project details including amounts, status, or timelines. It focuses primarily on financial performance, corporate structure, partnerships, lending solutions, technology services, and business strategy without specific mention of capital expenditure or new physical infrastructure projects.

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Fundraising & Capital Structure

The presentation mentions raising Rs. 52.0 Crores of incremental borrowing in Q4FY25 (Page 10).
Total borrowings stood at Rs. 89.1 Crores as of March 31, 2025, up 98% from Rs. 45.0 Crores in FY24 and up 32% QoQ from Rs. 67.4 Crores in Dec 2024 (Pages 15, 16, 29).
Consolidated borrowings raised Rs. 132.0 Crores in FY25 (Page 5).
No specific mention of equity fundraising or issuance in the provided excerpts.

- As of March 31, 2025, shareholding pattern post-warrant conversion is detailed but no explicit mention of recent equity capital raised (Page 30). - FLDG (First Loss Default Guarantee) of Rs. 19.9 Crores is included in AUM as off-book exposure (Pages 15,16). Summary: The presentation documents significant incremental debt raising during FY25 and Q4FY25, with no explicit recent equity fundraising mentioned.

2 more points management made on fundraising & capital structure

See what Niyogin Fintech Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The investor presentation reports an order book of approximately Rs. 400 Crores, consisting of 20 contracts to be executed over the next 5 years (Page 20, 23).
The order book includes contracts in acquiring solutions (POS, UPI & Soundbox), financial inclusion (agency banking), value-added services, and lending solutions (Page 23).
For sound box deployment, an order book of 890K units is noted, with 195K units deployed to date (Page 20, 35).
Order inflow highlights include winning a strategic multi-year contract worth ~Rs. 70 Crores from Central Bank of India for UPI QR and Soundbox solutions (Page 20).

2 more points management made on order book & pipeline

What Niyogin Fintech Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Niyogin Fintech Ltd Q4 FY25 results?

Q4 FY25 gross revenue: Rs. EBITDA for Q4FY25: Reported EBITDA of Rs.

What is Niyogin Fintech Ltd share price analysis?

Niyogin Fintech Ltd currently shows a neutral. The stock trades at a P/E of N/A with a market cap of ₹618 Cr. Investors should review the full earnings analysis for detailed insights.

Is Niyogin Fintech Ltd planning capital expenditure?

The investor presentation does not describe any capex, capacity expansion, or new plant/project details including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.