Finja, founded by veterans of the tech and banking industry, is a new entity in the payments space of Pakistan. The top management of the company has over 40 man-years of deep experience of delivering pioneering digital banking projects in Pakistan and other emerging markets. Finja is dedicated to providing comprehensive financial solutions to businesses, SMEs, and individuals under one roof, with a focus on digital transformation and accessible financial services for MSMEs.

Monis Rahman

Qasif Shahid

Umer Munawar

Finja

Digi Khata is a secure bookkeeping app that enables businesses to record and manage transactions efficiently, according to the company's self-described information.

Digi Khata

Welcome to Finja, your new-age financial services platform tailored for professionals, SMEs, and merchants, addressing their payments, collections, and credit needs. As a friend of banks, Financial Institutions (FIs), and merchants alike, we occupy a unique position in the value chain, facilitating seamless digital interactions for all stakeholders in the ecosystem.

Equitable Lending Platform:
Discover our innovative lending ecosystem, an equitable platform that leverages AI and data-driven methodologies to provide financial services to the underbanked segments of our nation. Operated by Finja Lending Services under an NBFC license, our commitment is to empower individuals and businesses through accessible and fair lending practices.

Integrated Financial Services:
At Finja, we are dedicated to delivering comprehensive financial solutions under one roof. Whether you are a business, SME, or an individual, our suite of services is designed to meet your financial needs seamlessly. With our NBFC and Peer-to-peer lending license from the Securities and Exchange Commission of Pakistan (SECP), we aim to be your trusted partner in financial growth.

Finja Invest for Businesses and Individuals:
In addition to our dynamic financial services, Finja proudly introduces Finja Invest, an innovative investment platform catering to both businesses and individuals. Empowering them to grow their wealth, Finja Invest provides a user-friendly interface and a range of investment options carefully curated to suit diverse financial goals. As a licensed entity under the Securities and Exchange Commission of Pakistan (SECP), Finja Invest ensures a secure and transparent investment environment.

Collaborative Innovation:
We believe in collaborative innovation. Through multi-bank partnerships, we work hand-in-hand with financial institutions to create lending and payment products specifically designed to serve the targeted segments in our country. 

Learn More: https://finja.pk/

Quona Capital

BEENEXT

Habib Bank Limited

ICU Ventures

Gray Mackenzie Engineering Services

Sturgeon Capital

Maximize your business potential with Finja Business! Dive into a world of efficiency with features tailored to elevate your operations and drive your success forward. 💼

Discover More:  https://finja.pk/

#ApkiKamyabiPayYakeen #UnlockYourSuccess #Efficiency #OperationsExcellence #BusinessGrowth

Why settle for less?
Earn up to 36% risk-free annual returns! 💰 
Invest now with Finja Invest for unmatched earnings compared to traditional platforms. 

Start today: https://bit.ly/3HXxCdk 

#ApkiKamyabiPayYakeen #FinjaInvest #HighReturns #InvestNow #P2P #FinancialGrowth #Invest #RiskFreeInvestments

Why settle for the ordinary when you can invest in extraordinary? 
 Choose Finja Invest for a transformative investment experience. 

Learn More: https://finjainvest.com/

#ApkiKamyabiPayYakeen #FinjaInvest #SmartInvesting #FinancialGrowth

Highlighting the pivotal session on 'Women and Digital Financial Services' hosted by SECP. Insightful perspectives from industry leaders including Qasif Shahid, CEO of Finja, explored the role of women in promoting digital financial services. The discussion unveiled key takeaways emphasizing the need for a holistic program and digital literacy initiatives to reshape the digital lending landscape for women entrepreneurs.

Let's join forces for a transformative impact! ✨

#ApkiKamyabiPayYakeen #Finja #SECP #WomenInFinance #DigitalTransformation #FinancialInclusion"

Unlock seamless Business Management with Finja Business! Explore intuitive features designed to streamline your business operations and empower your success. 💻

Learn More: https://finja.pk/
 
#ApkiKamyabiPayYakeen  #PayrollManagement #Collections #Disbursements #HRMS #BusinessManagement

We wish you all  Merry Christmas 🎄🎅 and a Happy New Year! 🎊🎉
#ApkiKamyabiPayYakeen #MerryChristmas #XMAS #NewYear

Yun di humain Azaadi kay duniya hui hairaan! ❤️💯 
Happy Quid-e-Azam Day! 🇵🇰

#ApkiKamyabiPayYakeen #QuaideAzamDay #PakistanZindabad

Finja's 2023 Financial Wrap-Up! 📈
Our numbers are hitting all the right notes! 🚀

#ApkiKamyabiPayYakeen  #FinjaWrap #FinancialHits

Metric
Company Name	Finja	Digi Khata
Symbol
MSH ID	PK:FINJA	PK:DIGIKHATA
Market	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Commercial & Professional Services
Industry	Financial Technology (Fintech)	Financial Technology
Country	PK	PK
Stage
Employee Count	171
Website	finja.pk	digikhata.pk
LinkedIn	finja
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic		29.45K
Web Traffic Growth		5.98
Valuation
Raised Capital

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Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

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Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

PK:FINJA

Finja

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

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P/E Ratio
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

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Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

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Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue