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Niyogin FintechBOM:538772 -2.80%54 PB Ratio is 1.44 as of Jul. 24, 2026, which is 24% below its 10-year median of 1.89. 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. Among 526 Credit Services companies, Niyogin Fintech ranks worse than 60.08% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-24), Niyogin Fintech's share price is ₹42.08. Niyogin Fintech's Book Value per Share for the quarter that ended in Mar. 2026 was ₹29.23. Hence, Niyogin Fintech's PB Ratio of today is 1.44.
Good Sign:
Niyogin Fintech Ltd stock PB Ratio (=1.49) is close to 3-year low of 1.42.
The historical rank and industry rank for Niyogin Fintech's PB Ratio or its related term are showing as below:
BOM:538772'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 1.89 Max: 3.77
Current: 1.43
During the past 13 years, Niyogin Fintech's highest PB Ratio was 3.77. The lowest was 0.53. And the median was 1.89.
BOM:538772's PB Ratio is ranked worse than 60.08% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:538772: 1.43
During the past 12 months, Niyogin Fintech's average Book Value Per Share Growth Rate was 0.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Niyogin Fintech was 73.20% per year. The lowest was -19.00% per year. And the median was 0.20% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Niyogin Fintech PB Ratio Related Terms
Niyogin Fintech PB Ratio Historical Data
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The historical data trend for Niyogin Fintech's PB Ratio 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.
For the Credit Services subindustry, Niyogin Fintech's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Niyogin Fintech's PB Ratio distribution charts can be found below:
* The bar in red indicates where Niyogin Fintech's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Niyogin Fintech's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Niyogin Fintech (BOM:538772) has a PB Ratio of 1.44 as of Jul. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Niyogin Fintech and its competitors. This is 24% below median its historical median of 1.89. Over the past decade, Niyogin Fintech's PB Ratio has ranged from 0.53 to 3.77. According to the industry distribution chart, Niyogin Fintech ranks #316 out of 526 companies in the Credit Services industry, placing it in the top 60.1%.
Is Niyogin Fintech's PB Ratio too high?
Niyogin Fintech's current PB Ratio of 1.44 is 24% below median its 10-year median of 1.89. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 3.77. The Credit Services industry median PB Ratio is 1.06. Niyogin Fintech's value of 1.44 is 35.8% above this industry median. Based on the distribution chart, Niyogin Fintech ranks #316 out of 526 companies in the Credit Services industry, which is below the industry midpoint. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Niyogin Fintech ranks #316 out of 526 companies for PB Ratio. This places Niyogin Fintech in the lower half of its industry. The industry median PB Ratio is 1.06. Niyogin Fintech's value of 1.44 is 35.8% above this benchmark. Historically, Niyogin Fintech's own PB Ratio has ranged from 0.53 to 3.77 over the past decade. While the company's 10-year median is 1.89 vs. the industry median of 1.06, Niyogin Fintech has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Niyogin Fintech's current PB Ratio of 1.44 is 35.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Niyogin Fintech and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Niyogin Fintech's current PB Ratio is 1.44, which is 24% below median its own 10-year median of 1.89. 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 PB Ratio is 1.44, which is 24% below median its 10-year median of 1.89 and 35.8% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Niyogin Fintech (BOM:538772), the current PB Ratio is 1.44 as of Jul. 24, 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:
PB Ratio: 1.44 (24% below median its 10-year median of 1.89)
GF Value™: ₹76.13 vs. price of ₹42.08 (44.7% below fair value)
Industry Position: 35.8% above the Credit Services median (#316 of 526)
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 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
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