ALFA Finder| Revenue growth | FY26 Gross Total Income grew 30% YoY to ₹1,797 Cr. |
|---|---|
| Margins | NIM improved to 16.4% in Q4FY26; CoB reduced to 10.87%. |
| Demand visibility | Revival in credit demand from micro-enterprises noted as year advanced. |
| Management confidence | High; citing recovery in MSME sector and stronger balance sheet. |
Growth
Q4FY26 PAT surged 110% YoY to ₹86 Cr; NII grew 35% YoY to ₹305 Cr.
Outlook
Positioned for responsible growth in FY27 following capital infusion and improved collection efficiency (99.5%).
Risks
Asset quality remains a focus with GNPA at 4.8%; credit costs at 4.30% in Q4.
Earnings Call filed with NSE, NSE: AYE. Summary written with AI assistance from the document.
Aye Finance Ltd: key numbers
- Share price
- ₹154.07
- Market cap
- ₹3,803 Cr
- Revenue (annual)
- ₹1,815 Cr
- Net profit (annual)
- ₹193.6 Cr
- P/E (TTM)
- 13.1×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 18.55%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aye Finance Ltd
All →Aye Finance Credit Rating
ICRA upgraded Aye Finance's credit rating to A+ with a Stable outlook. The upgrade signals improved creditworthiness for investors.
Aye Finance Debt & Borrowing: ₹0.67 Cr
Aye Finance paid ₹0.67 Crore monthly interest on its 10.50% secured NCDs due November 9, 2026. The payment was made on the due date with no delay.
- Value
- ₹0.67 Cr
Aye Finance Other Announcement
Aye Finance reported that RTA KFin Technologies will relocate its corporate office to Kokapet, Telangana from December 1, 2026. This administrative notice has no financial impact.
Aye Finance Debt & Borrowing: ₹1.94 Cr
Aye Finance paid Rs.1.94 Crore of interest across five listed NCD series on 30 October 2026. All payments were made on or before their due dates, with no delay reported.
- Value
- ₹1.94 Cr
Aye Finance Debt & Borrowing: ₹1.76 Cr
Aye Finance paid Rs.1.76 Crore monthly interest on its 9.75% secured NCDs on the due date, with no delay. Payment was made on time, matching the scheduled amount.
- Value
- ₹1.76 Cr
Aye Finance Employee Stock Options
Aye Finance's employee welfare trust transferred 89,501 equity shares to grantees on exercising ESOP options. The share capital remains unchanged, so no new issuance occurs.