ALFA Finder| Management target | Revenue 30.0% FY27 |
|---|
| Revenue growth | Total income stood at ₹1,796 Cr, up 20% year-on-year. |
|---|---|
| Margins | NIMs improved to 16.4% in Q4 from lower borrowing costs. |
| Demand visibility | Strong structural demand in micro-MSME segment despite West Asia headwinds. |
| Management confidence | High; leveraging new IPO capital and AI-driven underwriting tools. |
Growth
AUM grew 27% YoY to ₹7,044 Cr; disbursement momentum remains healthy at 26% sequential growth.
Outlook
Management targets 25-30% growth for FY27 with ROA between 4-4.5%.
Risks
Expansion into mortgage loans might pressure yields, though management expects cost offsets.
Earnings Call Transcript filed with BSE, 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.