Please find enclosed Investor Presentation - Q4FY26
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Niyogin Fintech achieved its first full year of consolidated profitability in FY26, with PBT (ex-ESOP) turning positive at ₹5.2 Cr versus a loss of ₹19.0 Cr in FY25. Net revenue grew 57% YoY to ₹106 Cr, driven by strong performance in both the NBFC and iServeU businesses. AUM expanded 26% to ₹352 Cr while device deployments reached 293K units. iServeU delivered net revenue of ₹74.7 Cr with an order book of ₹611 Cr across 45 contracts, providing strong revenue visibility. Q4 FY26 results exceeded guidance across key metrics - iServeU EBITDA margin at 28.7% (vs 15-18% guidance) and NBFC PBT at ₹1.7 Cr (vs ₹0.8-1.0 Cr guidance). The Company guided FY27 net revenue of ₹125-135 Cr for iServeU and AUM of ₹520-550 Cr for NBFC.
The Company delivered its first full year of profitability, demonstrating successful execution of its embedded lending and payments infrastructure model. Strong Q4 outperformance against guidance and ambitious FY27 targets (1.5-1.8x growth) suggest continued momentum, though execution risks remain given the scaling targets.