ALFA Finder| Revenue growth | Total income grew 20% YoY to ₹1,796 crore for FY26. |
|---|---|
| Margins | NIMs stood at 14.67%; guided to remain steady or slightly improve. |
| Demand visibility | Steady recovery in rural consumption driving constructive demand for working capital. |
| Management confidence | Highly confident, citing successful IPO and robust proprietary AI underwriting models. |
Growth
AUM grew 27% YoY to ₹7,044 crore, driven by healthy demand in the micro-MSME segment and improved collection efficiencies.
Outlook
Targeting 25-30% growth in FY27 with ROA guided at 4-4.5% and credit costs improving to 3.5-4%.
Risks
Potential interest rate hardening in the market could offset benefits from planned corporate rating upgrades and lower priority sector lending costs.
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.