Niyogin Fintech Ltd Q4 FY25 Share Price & Earnings Call Analysis

Financials of Niyogin Fintech Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Niyogin Fintech Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +33.7344.8647.1353.5950.1850.3972.52111.2169.8581.7570.1063.1071.97
Interest0.440.791.071.131.672.413.173.563.304.155.336.317.38
Expenses +37.4850.0055.5555.3850.4056.0671.20112.4669.5880.4267.3669.4665.91
Financing Profit-4.19-5.93-9.49-2.92-1.89-8.08-1.85-4.81-3.03-2.82-2.59-12.67-1.32
Financing Margin %-12.42%-13.22%-20.14%-5.45%-3.77%-16.03%-2.55%-4.33%-4.34%-3.45%-3.69%-20.08%-1.83%
Other Income +2.570.680.270.171.100.400.372.002.264.396.1817.125.43
Depreciation1.691.901.962.072.172.192.572.442.332.332.672.622.69
Profit before tax-3.31-7.15-11.18-4.82-2.96-9.87-4.05-5.25-3.10-0.760.921.831.42
Tax %1.21%-7.13%-12.34%-4.77%28.38%-0.30%4.94%-6.48%-186.45%143.42%31.52%73.77%21.83%
Net Profit +-3.35-6.64-9.80-4.59-3.81-9.84-4.25-4.912.68-1.860.630.481.11
EPS in Rs-0.27-0.51-0.72-0.33-0.22-0.68-0.44-0.51-0.03-0.140.030.010.06
Gross NPA %
Net NPA %

Financials of Niyogin Fintech Ltd

Profit & Loss

Annual income statement trend

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +2850103110196304287
Interest011251423
Expenses +4852108137211307283
Financing Profit-21-3-6-30-20-17-19
Financing Margin %-74%-5%-6%-27%-10%-6%-7%
Other Income +00482533
Depreciation455681010
Profit before tax-25-7-8-28-26-223
Tax %-1%2%-2%1%-5%-27%89%
Net Profit +-25-7-8-28-25-160
EPS in Rs-2.78-0.74-0.63-1.87-1.76-1.43-0.04
Dividend Payout %0%0%0%0%0%0%0%

Financials of Niyogin Fintech Ltd

Balance Sheet

Capital structure and asset base

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital8694949495111111
Reserves155192192178186212214
Borrowing00005496225
Other Liabilities +9827772117152159
Total Liabilities250368363345452571709
Fixed Assets +14125101111116120145
CWIP00001120
Investments6080637241
Other Assets +177163199226333435563
Total Assets250368363345452571709

Financials of Niyogin Fintech Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-104110-70-58-37-86-81
Cash from Investing Activity +112-1183987-18-9-63
Cash from Financing Activity +-1470-37091124
Net Cash Flow740-312615-3-20
Free Cash Flow-10475-72-59-39-109-103
CFO/OP508%-5,258%1,290%210%252%2,886%-1,628%

Financials of Niyogin Fintech Ltd

Ratios

Working capital efficiency and return ratios

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-10%-3%-2%-6%-6%-5%-0%