Niyogin Fintech (BOM:538772) E10: ₹-4.20 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:538772 Niyogin Fintech Ltd BOM:538772
54 GF Score
Price ₹42.08
GF Value ₹76.13
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Niyogin Fintech E10?

Niyogin Fintech BOM:538772 -2.80% 54 E10 is ₹-4.20 as of Mar. 2026. GuruFocus rates BOM:538772 with a GF Score™ of 54/100 and a GF Value™ of ₹76.13 (Significantly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Niyogin Fintech's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.060. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹-4.20 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-24), Niyogin Fintech's current stock price is ₹42.08. Niyogin Fintech's E10 for the quarter that ended in Mar. 2026 was ₹-4.20. Niyogin Fintech's Shiller PE Ratio of today is .


Niyogin Fintech  (BOM:538772) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Niyogin Fintech E10 Related Terms


Niyogin Fintech E10 Historical Data

* Premium members only.

The historical data trend for Niyogin Fintech's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Niyogin Fintech E10 Chart

Niyogin Fintech Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -3.74 -4.02 -4.20

Niyogin Fintech Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -4.02 -4.09 -4.15 -4.18 -4.20

BOM:538772 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Niyogin Fintech's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Niyogin Fintech Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Niyogin Fintech's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Niyogin Fintech's Shiller PE Ratio falls into.


BOM:538772
54GF Score
Niyogin Fintech Ltd BOM:538772
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Niyogin Fintech E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Niyogin Fintech's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.06/164.2724*164.2724
=0.060

Current CPI (Mar. 2026) = 164.2724.

Niyogin Fintech Quarterly Data

per share eps CPI Adj_EPS
201606 -0.050 105.961 -0.078
201609 0.001 105.961 0.002
201612 -10.000 105.196 -15.616
201703 -3.070 105.196 -4.794
201706 -5.821 107.109 -8.928
201709 -0.244 109.021 -0.368
201712 0.094 109.404 0.141
201803 0.036 109.786 0.054
201806 -0.020 111.317 -0.030
201809 -0.162 115.142 -0.231
201812 -0.347 115.142 -0.495
201903 -0.281 118.202 -0.391
201906 -0.430 120.880 -0.584
201909 -0.680 123.175 -0.907
201912 -0.940 126.235 -1.223
202003 -0.750 124.705 -0.988
202006 -0.100 127.000 -0.129
202009 -0.020 130.118 -0.025
202012 0.010 130.889 0.013
202103 -0.638 131.771 -0.795
202106 -0.160 134.084 -0.196
202109 -0.190 135.847 -0.230
202112 -0.180 138.161 -0.214
202203 -0.110 138.822 -0.130
202206 -0.440 142.347 -0.508
202209 -0.600 144.661 -0.681
202212 -0.570 145.763 -0.642
202303 -0.260 146.865 -0.291
202306 -0.510 150.280 -0.557
202309 -0.720 151.492 -0.781
202312 -0.330 152.924 -0.354
202403 -0.230 153.035 -0.247
202406 -0.680 155.789 -0.717
202409 -0.440 157.882 -0.458
202412 -0.510 158.323 -0.529
202503 -0.020 157.552 -0.021
202506 -0.140 159.755 -0.144
202509 0.020 162.289 0.020
202512 0.010 163.281 0.010
202603 0.060 164.272 0.060

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹-4.20 mean?
Niyogin Fintech (BOM:538772) has a E10 of ₹-4.20 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Niyogin Fintech and its competitors.
Is Niyogin Fintech's E10 too high?
Niyogin Fintech's current E10 is ₹-4.20. Overall, Niyogin Fintech has a GF Score™ of 54/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Niyogin Fintech's E10 compare to V and MA?
Niyogin Fintech's E10 of ₹-4.20 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Niyogin Fintech and its competitors. Niyogin Fintech's current E10 is ₹-4.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Niyogin Fintech stock overvalued right now?
Based on GuruFocus' analysis, Niyogin Fintech (BOM:538772) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹76.13, compared to a current price of ₹42.08 — trading 44.7% below its estimated fair value. The current E10 is ₹-4.20. Niyogin Fintech's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Niyogin Fintech (BOM:538772), the current E10 is ₹-4.20 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Niyogin Fintech (BOM:538772) Overvalued in 2026?

Based on GuruFocus' analysis, Niyogin Fintech stock appears to be undervalued. The current stock price of ₹42.08 is trading 44.7% below its estimated GF Value™ of ₹76.13. GuruFocus considers Niyogin Fintech to be Significantly Undervalued.

Key valuation signals for BOM:538772:

  • E10: ₹-4.20
  • GF Value™: ₹76.13 vs. price of ₹42.08 (44.7% below fair value)
  • GF Score™: 54/100 with 3 warning signs

No single metric tells the full story. See the BOM:538772 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Niyogin Fintech Business Description

Address Kirol Road, 311/312, 3rd Floor, Neelkanth Corporate IT Park, Vidyavihar (West), Mumbai, MH, IND, 400086
Niyogin Fintech Ltd is an Indian non-banking finance company. It is engaged in providing lending facilities and credit services to small and medium business. Geographically, it operates only in India. The company generates its revenue in the form of interest income, processing fees, Bounce charges, and other finance charges.
54GF Score

Get the complete analysis for BOM:538772

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹42.08
Price
₹76.13
GF Value