| 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
- ₹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
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