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NIYOGIN.BO$43.95+1.65%
Fair $43.95+0.0%

NIYOGIN.BO

Niyogin Fintech Limited

Financial Services / Credit ServicesBSE

$43.95

+0.72 (+1.65%)

Fairly Valued+0.0%Fair Value $43.95Fund rank 32/100 · Data gapFallback financials|
SA 24/D
F-Score: 2/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 32/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 45/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

24/100

D

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -0.1%, below the 5% threshold
Thesis & Journal · NIYOGIN.BOLocal privado en este navegador · Niyogin Fintech Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$4.9B

P/E

N/A

•

EV/EBITDA

148.8x

↑

ROE

-0.1%

↓

Gross Margin

6.6%

↓

Debt/Equity

0.69

↑
52-Week Range$44
$30$82

TradingView lightweight chart

NIYOGIN.BO price, volumen y niveles de valoración

Último $44.27Periodo -15.5%
Fair value: $43.95

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+30.2%

FCF CAGR

—

FCF margin

-46.1%

FCF / Net income

219.98x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $2.23B · net income $-4.7M · FCF $-1.03B

2023-FY → 2026-FY

Gross margin

6.6%+11.9% pts

Operating margin

-2.6%+31.1% pts

Net margin

-0.2%+17.3% pts

FCF margin

-46.1%+12.6% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$2.23B$2.23B$2.28B$1.91B$1.01B
Net Income$-4.7M$-4.7M$-158.9M$-167.9M$-176.6M
EBITDA$44.3M$44.3M$-110.4M$-153.3M$-212.7M
EPS——-1.64-1.78-1.87
Gross Margin6.6%6.6%2.0%8.0%-5.3%
Operating Margin-2.6%-2.6%-9.0%-10.4%-33.7%
Net Margin-0.2%-0.2%-7.0%-8.8%-17.5%
Balance Sheet
Debt/Equity0.690.690.300.190.00
Current Ratio2.192.19———
Cash Flow
Free Cash Flow$-1.03B$-1.03B$-1.10B$-409.5M$-593.2M
Returns
ROE-0.1%-0.1%-4.9%-6.0%-6.5%
Valuation
EV/EBITDA148.83148.83———
P/B1.501.501.472.501.16
Growth & Yield
Revenue Growth-2.3%-2.3%19.6%89.0%—
EPS Growth——7.9%4.8%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -13.3%

Total return

-13.3%

Start / end P/E

n/dx → n/dx

EPS bridge

-1.64 → n/d

Residual

-13.3%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-13.3%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.