ALFA Finder| Margins | NIM improved 20 bps QoQ to 15.9% due to reduced finance costs. |
|---|---|
| Demand visibility | Healthy demand from both existing and new customers despite seasonal Q1 softness. |
| Management confidence | Optimistic about business momentum improvement and favorable operating environment for Q2. |
Growth
AUM grew 28% YoY; Gross Total Income up 22% YoY; PAT surged 144% YoY; NIM improved by 20 bps QoQ.
Outlook
Management expresses optimism for Q2 FY27, expecting business momentum to improve through customer demand and stable collections.
Risks
Q1 is seasonally a weaker quarter; GNPA at 4.49% and PAR 30 at 6.07% indicate inherent micro-enterprise credit risks.
Last quarter's promises, checked
Delivered
- Guided 25-30% AUM growth → delivered 28% YoY (= BEAT)
- Guided 4.0-4.5% ROA → delivered 4.6% in Q4FY26 (= BEAT)
- Guided 3.5-4.0% credit cost → delivered 4.3% in Q4FY26 (= PARTIAL)
Partly delivered
- Guided 8.25-8.75% Opex ratio → delivered 9.6% FY26 (= PARTIAL)
Investor Presentation 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.