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Niyogin FintechBOM:538772 -1.63%54 PS Ratio is 2.14 as of Aug. 05, 2026, which is 85% below its 10-year median of 14.63. GuruFocus rates BOM:538772 with a GF Score™ of 54/100 and a GF Value™ of ₹76.56 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 524 Credit Services companies, Niyogin Fintech ranks better than 61.83% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Niyogin Fintech's share price is ₹40.31.
Niyogin Fintech's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹18.88. Hence, Niyogin Fintech's PS Ratio for today is 2.14.
Good Sign:
Niyogin Fintech Ltd stock PS Ratio (=1.76) is close to 10-year low of 1.68.
The historical rank and industry rank for Niyogin Fintech's PS Ratio or its related term are showing as below:
BOM:538772'
s PS Ratio Range Over the Past 10 Years
Min: 1.68 Med: 14.63 Max: 248.23
Current: 2.16
During the past 13 years, Niyogin Fintech's highest PS Ratio was 248.23. The lowest was 1.68. And the median was 14.63.
BOM:538772's PS Ratio is ranked better than 61.83% of 524
companies
in the Credit Services industry
Industry Median: 2.895
vs BOM:538772: 2.16
Niyogin Fintech Ltd revenue growth has slowed down over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Niyogin Fintech was 1.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 30.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 39.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 72.10% per year.
During the past 13 years, Niyogin Fintech's highest 3-Year average Revenue per Share Growth Rate was 196.70% per year. The lowest was -14.20% per year. And the median was 61.50% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Niyogin Fintech PS Ratio Related Terms
Niyogin Fintech PS Ratio Historical Data
* Premium members only.
The historical data trend for Niyogin Fintech's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Niyogin Fintech's PS Ratio distribution charts can be found below:
* The bar in red indicates where Niyogin Fintech's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Niyogin Fintech's Share Price of today is ₹40.31. Niyogin Fintech's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹18.88.
* 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:
Niyogin Fintech (BOM:538772) has a PS Ratio of 2.14 as of Aug. 05, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Niyogin Fintech and its competitors. This is 85% below median its historical median of 14.63. Over the past decade, Niyogin Fintech's PS Ratio has ranged from 1.68 to 248.23. According to the industry distribution chart, Niyogin Fintech ranks #200 out of 524 companies in the Credit Services industry, placing it in the top 38.2%.
Is Niyogin Fintech's PS Ratio too high?
Niyogin Fintech's current PS Ratio of 2.14 is 85% below median its 10-year median of 14.63. Over the past 10 years, this metric has ranged from a low of 1.68 to a high of 248.23. The Credit Services industry median PS Ratio is 2.90. Niyogin Fintech's value of 2.14 is 26.1% below this industry median. Based on the distribution chart, Niyogin Fintech ranks #200 out of 524 companies in the Credit Services industry, which is above 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Niyogin Fintech ranks #200 out of 524 companies for PS Ratio. This puts Niyogin Fintech in the upper half of its industry. The industry median PS Ratio is 2.90. Niyogin Fintech's value of 2.14 is 26.1% below this benchmark. Historically, Niyogin Fintech's own PS Ratio has ranged from 1.68 to 248.23 over the past decade. While the company's 10-year median is 14.63 vs. the industry median of 2.90, Niyogin Fintech has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.90, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Niyogin Fintech's current PS Ratio of 2.14 is 26.1% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Niyogin Fintech and its competitors. For the Credit Services industry, the median PS Ratio is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Niyogin Fintech's current PS Ratio is 2.14, which is 85% below median its own 10-year median of 14.63. 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 ₹76.56, compared to a current price of ₹40.31 — trading 47.3% below its estimated fair value. The current PS Ratio is 2.14, which is 85% below median its 10-year median of 14.63 and 26.1% below the Credit Services industry median of 2.90. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Niyogin Fintech (BOM:538772), the current PS Ratio is 2.14 as of Aug. 05, 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 ₹40.31 is trading 47.3% below its estimated GF Value™ of ₹76.56.
GuruFocus considers Niyogin Fintech to be Significantly Undervalued.
Key valuation signals for BOM:538772:
PS Ratio: 2.14 (85% below median its 10-year median of 14.63)
GF Value™: ₹76.56 vs. price of ₹40.31 (47.3% below fair value)
Industry Position: 26.1% below the Credit Services median (#200 of 524)
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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