Niyogin Fintech Ltd

Q4 FY26Finance

Niyogin Fintech Q4 FY26: Revenue ₹27.0 Cr, PAT ₹1.1 Cr

Q4 FY26 investor presentation: what the company reported on revenue, margins and projects.

Price₹54

Market cap₹618 Cr

Updated24 Sept 2026

Read4 min read

Based on Niyogin Fintech Ltd's Q4 FY26 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

Consolidated Gross Income (Q4 FY26): ₹74.7 Cr, up 5% YoY from ₹71.1 Cr in Q4 FY25 (Page 28) - Consolidated Net Revenue (Q4 FY26): ₹27.0 Cr, up 22% YoY from ₹22.2 Cr in Q4 FY25 (Page 28) - EBITDA (Q4 FY26): ₹6.5 Cr (Consolidated), up 1148% YoY from ₹0.5 Cr in Q4 FY25 (Page 28) - Operating Margin: Implied from EBITDA and revenue (Net Revenue ₹27.0 Cr), approx.

From Niyogin Fintech Ltd's Q4 FY26 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

- **Consolidated Gross Income (Q4 FY26):** ₹74.7 Cr, up 5% YoY from ₹71.1 Cr in Q4 FY25 (Page 28) - **Consolidated Net Revenue (Q4 FY26):** ₹27.0 Cr, up 22% YoY from ₹22.2 Cr in Q4 FY25 (Page 28) - **iServeU Net Revenue (Q4 FY26):** ₹21.1 Cr, up 55% YoY from ₹13.6 Cr in Q4 FY25 (Page 16) - **NFL Standalone Gross Income (Q4 FY26):** ₹27.2 Cr, up 16% YoY from ₹23.4 Cr in Q4 FY25 (Page 24) - **NBFC AUM (Q4 FY26):** ₹352 Cr, up 26% YoY from ₹279 Cr in Q4 FY25 (Pages 19, 22, 24) - **UPI Volumes under Program Management (Q4 FY26):** ~₹1,350 Cr, more than doubled from ~₹600 Cr in Q3 FY26 (Page 12) **Outlook (FY27 Guidance):**

2 more points management made on revenue & sales performance

Profitability & Margins

EBITDA (Q4 FY26): ₹6.5 Cr (Consolidated), up 1148% YoY from ₹0.5 Cr in Q4 FY25 (Page 28)
Operating Margin: Implied from EBITDA and revenue (Net Revenue ₹27.0 Cr), approx. 24% margin (not explicitly stated)
PAT (Q4 FY26): ₹1.1 Cr, down 59% YoY from ₹2.7 Cr in Q4 FY25 (Page 28)
iServeU EBITDA (Q4 FY26): ₹6.0 Cr, up 205% YoY from ₹2.0 Cr in Q4 FY25 (Page 16)
iServeU EBITDA margin (Q4 FY26): 28.7%, up from 20-22% guidance (Pages 11, 16)
Profit before Tax (PBT) (Q4 FY26 consolidated): ₹1.4 Cr vs -₹3.1 Cr in Q4 FY25 (Page 28)
Explicit margin outlook:

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 explicitly describe any capex, capacity expansion, or new plant/project details with amounts, status, or timelines. Key relevant points include: - Expansion focused on digital payments and lending platforms, including iServeU's partner network growth (200+ partners) and monthly GTV crossing ₹1,000 Cr (2022). - Scaling of merchant EDI loans embedded in key platforms like Khatabook and Meesho, supporting rapid deployment at scale (Page 23). - Soundbox device deployments reached 490.4K units, with 82.1K units added in Q4 FY26 (Page 13).

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

FY26: Raised ₹171 Cr in diversified funding, including ₹45 Cr through listed Non-Convertible Debentures (NCDs), highlighting lender confidence (Page 6).
Q4 FY26: Borrowings increased to ₹124.5 Cr from ₹89.1 Cr in Q4 FY25, a 40% YoY growth, reflecting enhanced funding access (Page 24).
Q4 FY26: The Company raised ₹55 Cr in borrowings, indicating sustained lender confidence (Page 19).
2025 Milestones: Raised ₹56 Cr via warrant conversion as part of composite scheme and amalgamation activities (Page 36).

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 ₹611 Cr across 45 contracts as of Q4 FY26 (Page 35, 15).
This order book spans multiple business verticals, with Acquiring Solutions being the largest portion (57%), followed by UPI & Soundbox (35%), and other segments like Financial Inclusion and Value Added Services making up the remainder (Page 15).
The order book provides strong medium-term revenue visibility for iServeU (Page 11, 35).
No specific order inflow or pending orders volume is mentioned beyond the order book value and contract count.

What Niyogin Fintech Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Niyogin Fintech Ltd Q4 FY26 results?

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 explicitly describe any capex, capacity expansion, or new plant/project details with 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.