WEBSITE BSE:538772 NSE: NIYOGIN Inc. Year: 1988 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 11:20
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Niyogin Fintech Ltd, previously M3 Global Finance Ltd, is a non-deposit taking NBFC in micro, small, and medium establishments finance and is engaged in finance, investment activities and loans.
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Market Cap ₹538 Cr.
Stock P/E -33
P/B 1.7
Current Price ₹48.4
Book Value ₹ 29.1
Face Value 10
52W High ₹82.4
Dividend Yield 0%
52W Low ₹ 30.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 47 | 54 | 50 | 50 | 73 | 111 | 70 | 82 | 70 | 63 |
| Other Income | 0 | 0 | 1 | 0 | 0 | 2 | 2 | 4 | 6 | 18 |
| Total Income | 47 | 54 | 51 | 51 | 73 | 113 | 72 | 86 | 76 | 81 |
| Total Expenditure | 56 | 55 | 50 | 56 | 71 | 112 | 70 | 80 | 67 | 69 |
| Operating Profit | -8 | -2 | 1 | -5 | 2 | 1 | 3 | 6 | 9 | 12 |
| Interest Expense | 1 | 1 | 2 | 2 | 3 | 4 | 3 | 4 | 5 | 6 |
| Depreciation | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 3 | 3 |
| Profit Before Tax | -11 | -5 | -3 | -10 | -4 | -5 | -3 | -1 | 1 | 2 |
| Provision for Tax | -1 | -0 | 1 | -0 | 0 | -0 | -6 | 1 | 0 | 1 |
| Profit After Tax | -10 | -5 | -4 | -10 | -4 | -5 | 3 | -2 | 1 | 0 |
| Adjustments | 3 | 1 | 2 | 3 | 0 | 0 | -3 | 0 | -0 | -0 |
| Profit After Adjustments | -7 | -3 | -2 | -6 | -4 | -5 | -0 | -2 | 0 | 0 |
| Adjusted Earnings Per Share | -0.7 | -0.3 | -0.2 | -0.7 | -0.4 | -0.5 | -0 | -0.1 | 0 | 0 |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Operating Revenue | 28 | 50 | 103 | 109 | 196 | 304 | 285 |
| Other Income | 0 | 1 | 4 | 9 | 2 | 5 | 30 |
| Total Income | 28 | 51 | 107 | 118 | 198 | 309 | 315 |
| Total Expenditure | 48 | 52 | 108 | 138 | 211 | 307 | 286 |
| Operating Profit | -20 | -2 | -1 | -20 | -13 | 2 | 30 |
| Interest Expense | 0 | 1 | 1 | 2 | 5 | 14 | 18 |
| Depreciation | 4 | 5 | 5 | 6 | 8 | 10 | 10 |
| Profit Before Tax | -25 | -7 | -8 | -28 | -26 | -22 | -1 |
| Provision for Tax | -0 | 0 | -0 | 0 | -1 | -6 | -4 |
| Profit After Tax | -25 | -7 | -8 | -28 | -25 | -16 | 2 |
| Adjustments | 1 | 0 | 2 | 11 | 8 | 0 | -3 |
| Profit After Adjustments | -24 | -7 | -6 | -18 | -17 | -16 | -2 |
| Adjusted Earnings Per Share | -2.8 | -0.7 | -0.6 | -1.9 | -1.8 | -1.4 | -0.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 55% | 43% | 61% | 0% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -1% | 5% | -6% | 38% |
| ROE Average | -6% | -9% | -6% | -7% |
| ROCE Average | -2% | -6% | -5% | -6% |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Shareholder's Funds | 241 | 285 | 286 | 273 | 281 | 323 |
| Minority's Interest | 1 | 27 | 25 | 15 | 7 | 6 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Liability | 7 | 55 | 51 | 56 | 145 | 217 |
| Other Liabilities & Provisions | 1 | 1 | 1 | 1 | 18 | 18 |
| Total Liabilities | 250 | 368 | 363 | 345 | 451 | 564 |
| Loans | 0 | 0 | 0 | 0 | 142 | 225 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 14 | 125 | 101 | 111 | 116 | 120 |
| Other Loans | 128 | 50 | 63 | 81 | 0 | 4 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 2 | 15 |
| Current Assets | 109 | 194 | 199 | 152 | 191 | 201 |
| Total Assets | 250 | 368 | 363 | 345 | 451 | 564 |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 29 | 68 | 37 | 63 | 78 |
| Cash Flow from Operating Activities | -104 | 110 | -70 | -58 | -39 | -86 |
| Cash Flow from Investing Activities | 112 | -118 | 39 | 87 | -18 | -9 |
| Cash Flow from Financing Activities | -1 | 47 | 0 | -3 | 71 | 91 |
| Net Cash Inflow / Outflow | 7 | 40 | -31 | 26 | 15 | -3 |
| Closing Cash & Cash Equivalent | 8 | 68 | 37 | 63 | 78 | 75 |
| # | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -2.78 | -0.74 | -0.63 | -1.87 | -1.76 | -1.43 |
| CEPS(Rs) | -2.38 | -0.26 | -0.23 | -2.36 | -1.76 | -0.61 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 27.29 | 29.65 | 29.16 | 27.21 | 25.6 | 27.17 |
| Net Profit Margin | -87.84 | -14.81 | -7.39 | -26.12 | -12.69 | -5.37 |
| Operating Margin | -87.22 | -13.24 | -6.55 | -24.21 | -10.59 | -2.6 |
| PBT Margin | -88.31 | -14.47 | -7.52 | -25.88 | -13.34 | -7.32 |
| ROA(%) | -9.79 | -2.4 | -2.08 | -8.02 | -6.25 | -3.22 |
| ROE(%) | -10.45 | -2.9 | -2.75 | -10.68 | -9.93 | -5.99 |
| ROCE(%) | -10.08 | -2.52 | -2.35 | -9.42 | -6.82 | -2.09 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 1.19 | 2.3 | 2.13 | 1.09 | 2.55 | 1.62 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 8.38 | 10.76 | 4.83 | 1.76 | 2.78 | 1.55 |
| EV/Core EBITDA(x) | -11.55 | -333.14 | -369.53 | -9.47 | -43.06 | 286.38 |
| Interest Earned Growth(%) | 0 | 79.51 | 105.22 | 5.69 | 80.14 | 55.28 |
| Net Profit Growth | 0 | 69.73 | -2.42 | -273.48 | 12.49 | 34.27 |
| EPS Growth(%) | 0 | 73.38 | 14.98 | -197.46 | 5.72 | 18.89 |
| Interest Coverage(x) % | -80.14 | -10.71 | -6.77 | -14.51 | -3.86 | -0.55 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.59 | 39.31 | 39.31 | 39.31 | 39.28 | 37.65 | 37.72 | 38.73 | 38.89 | 39.07 |
| FII | 16.55 | 16.29 | 16.05 | 15.92 | 14.08 | 19.4 | 19.39 | 19.53 | 19.53 | 19.53 |
| DII | 1.06 | 1.05 | 1.05 | 1.05 | 1.05 | 1.79 | 1.79 | 1.93 | 1.9 | 1.99 |
| Public | 42.8 | 43.35 | 43.59 | 43.72 | 45.58 | 41.17 | 41.1 | 39.81 | 39.68 | 39.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 3.74 | 3.74 | 3.74 | 3.74 | 3.74 | 4.18 | 4.19 | 4.31 | 4.33 | 4.35 |
| FII | 1.56 | 1.55 | 1.53 | 1.51 | 1.34 | 2.15 | 2.15 | 2.17 | 2.17 | 2.17 |
| DII | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.22 | 0.21 | 0.22 |
| Public | 4.04 | 4.12 | 4.15 | 4.16 | 4.34 | 4.57 | 4.57 | 4.43 | 4.41 | 4.38 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 9.45 | 9.51 | 9.51 | 9.52 | 9.52 | 11.1 | 11.11 | 11.12 | 11.12 | 11.12 |
* The pros and cons are machine generated.
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