| Revenue growth | 24% YoY |
|---|---|
| Margins | NIM at 15.6%; Opex ratio hit 8-quarter low |
| Demand visibility | Healthy loan demand; early festive demand signs |
| Management confidence | High |
Growth
AUM grew 26% YoY to Rs 7,597 Cr; PAT surged 151% YoY to Rs 87 Cr.
Outlook
Management remains focused on FY27 guidance, targeting productivity and asset quality improvements in a seasonally stronger H2.
Risks
Deficient monsoon and localized drought conditions in Maharashtra, Karnataka, and Madhya Pradesh impacted disbursements.
Last quarter's promises, checked
Delivered
- Guided Credit Cost 3.5-4.0% → delivered 4.01% (= BEAT)
- Targeted AUM growth 25-30% → delivered 28% YoY (= BEAT)
- Guided incremental borrowing cost reduction 20-25bps → delivered A+ rating/lower cost (= BEAT)
Partly delivered
- Guided Opex 8.25-8.75% → delivered 8.9% (= PARTIAL)
Investor Presentation filed with NSE, NSE: AYE. Summary written with AI assistance from the document.
Aye Finance Ltd: key numbers
- Share price
- ₹133.20
- Market cap
- ₹3,288 Cr
- Revenue (annual)
- ₹1,815 Cr
- Net profit (annual)
- ₹193.6 Cr
- P/E (TTM)
- 11.3×Sector 19.7×
- 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 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.
Aye Finance Other Announcement
Aye Finance filed a Crisil monitoring report on IPO proceeds for the quarter ended September 2026. It reports no deviation from objects, a routine compliance filing.
Aye Finance Earnings Call Transcript: Key Takeaways
Aye Finance delivered a robust Q2 with AUM growing 26% YoY, driven by improved productivity and lower credit costs. Profits more than doubled as operating leverage and reduced borrowing costs kicked in.
- Call
- Guides 30% growth
Aye Finance Results Update
Aye Finance reported record quarterly PAT of ₹86.7 Crore in Q2FY27, up 151% YoY. AUM grew to ₹7,597 Crore with credit costs falling to 3.8%.
Aye Finance Q2 FY27 Results: Net Profit ₹86.7 Cr, Up 151.3% YoY
Aye Finance Ltd reported revenue from operations of ₹514.4 Cr (+18.3% YoY) and net profit of ₹86.7 Cr (+151.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹86.7 Cr · +151.3% YoY
Aye Finance Debt & Borrowing: ₹0.99 Cr
Aye Finance has fulfilled its interest payment obligations for two series of listed NCDs, totaling ₹0.99 Crore. Payments were made on October 19, 2026.
- Value
- ₹0.99 Cr