| Revenue growth | Total income ₹1,796cr for FY26, up 20% YoY. |
|---|---|
| Margins | Q4 NIM at 16.4%; guidance for steady FY27 NIMs. |
| Demand visibility | Strong pipeline for small business working capital loans. |
| Management confidence | High; citing IPO capital infusion and robust 64% PCR. |
Growth
Q4 PAT grew 110% YoY and 100% QoQ to ₹86cr; AUM up 27% YoY to ₹7,044cr.
Outlook
FY27 guidance: 25-30% growth, 4-4.5% ROA, 3.5-4% credit costs, and 8.25-8.75% opex ratio.
Risks
Potential interest rate hardening in markets; sector-wide credit cost pressures in early FY26; geopolitical impacts on economy.
Earnings Call filed with NSE, NSE: AYE. Summary written with AI assistance from the document.
Aye Finance Ltd: key numbers
- Share price
- ₹167.25
- Market cap
- ₹4,128 Cr
- Revenue (annual)
- ₹1,815 Cr
- Net profit (annual)
- ₹193.6 Cr
- P/E (TTM)
- 17.4×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 15.70%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 Debt & Borrowing: ₹1.03 Cr
Aye Finance Ltd paid ₹1.03 Crore monthly interest on two secured NCD series, settled on 18 September 2026 ahead of the due date.
- Value
- ₹1.03 Cr
Aye Finance Debt & Borrowing: ₹0.49 Cr
Aye Finance Limited successfully paid Rs. 0.49 Crore interest on its secured non-convertible debentures on the due date. The payment maintains debt servicing obligations.
- Value
- ₹0.49 Cr
Aye Finance Management Change
Aye Finance Limited announced the resignation of Chief Technology Officer Mr. Jinu Joseph and the appointment of Mr. Nishit Shrivastava, effective October 1, 2026.
Aye Finance Employee Stock Options
Aye Finance allotted 2,513 equity shares under its ESOP 2020 plan. Paid-up capital rose to 24.68 crore shares at INR 2 face value.
Aye Finance Debt & Borrowing: ₹20 Cr
Aye Finance Limited has successfully completed a partial redemption of its 10.10% non-convertible debentures. The company paid Rs. 20 Crore towards this partial redemption.
- Value
- ₹20.00 Cr
Aye Finance Debt & Borrowing: ₹0.67 Cr
Aye Finance Ltd has successfully paid interest of ₹0.67 Crore on its listed non-convertible debentures.
- Value
- ₹0.67 Cr