Is Niyogin Fintech overvalued or undervalued?

Nov 19 2025 08:08 AM IST
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As of November 18, 2025, Niyogin Fintech is considered very expensive and overvalued with a PE ratio of -109.94 and an EV to EBITDA of 244.88, significantly higher than its peers like Bajaj Finance and Life Insurance, and it has underperformed the Sensex with a return of -11.88%.
As of 18 November 2025, the valuation grade for Niyogin Fintech has moved from expensive to very expensive, indicating a significant deterioration in its perceived value. The company is currently overvalued, with a PE ratio of -109.94, an EV to EBITDA ratio of 244.88, and a Price to Book Value of 2.19. These ratios suggest that the company's valuation metrics are extremely high compared to its earnings and book value, raising concerns about sustainability.

In comparison to its peers, Niyogin Fintech's valuation stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 34.46 and an EV to EBITDA of 19.47, while Life Insurance boasts a PE ratio of 11.34 and an EV to EBITDA of 9.36. The stark contrast in these ratios highlights the overvaluation of Niyogin Fintech within the Non-Banking Financial Company (NBFC) sector. Additionally, the company's stock has underperformed against the Sensex in the year-to-date period, with a return of -11.88% compared to the Sensex's 8.36%, further reinforcing the notion of overvaluation.
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