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Aye Finance Limited AYE NSEFINANCIAL

Financial Services · Credit Services · India
https://www.ayefin.com
Company Profile ↓
₹139.85
+8.49% 1Y
Mkt Cap₹3,420.22 Cr
P/E14.06
P/B1.37
52W High₹189.13
52W Low₹90.07
Book Value₹114.68
EPS (TTM)₹9.95

Company Overview

Aye Finance Limited, a non-banking financial company, provides loans to micro, small, and medium enterprises in India. The company offers a range of business loans for working capital and business expansion needs against hypothecation of working assets or against security of property to customers across manufacturing, trading, service, and allied agriculture sectors. It also provides secured and unsecured hypothecation loan; mortgage and emergency credit line guarantee scheme loans; shakti loans for women-led micro-enterprises; SwitchPe, a supply chain finance platform designed to empower merchants and retailers by providing seamless access to unsecured credit lines through a digital interface; and Saral Property loans, a combination of property collateral and hypothecation of business assets enabling access to credit despite documentation constraints. Aye Finance Limited was incorporated in 1993 and is based in Gurugram, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 69.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 41.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 14.1, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 22.2%.

Recent Developments

  • Mar 2026 Revenue of ₹1,640.97 Cr (+18.9% YoY); net profit ₹193.63 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +36.7%, earnings +91.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 41.3%, profit CAGR 69.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:41.34%
1 Year:36.70%

Compounded Profit Growth

5 Years:69.34%
1 Year:91.10%

Stock Price Performance

1 Year:+8.49%
6 Months:+3.69%
3 Months:-21.09%
1 Month:-24.70%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot
52-Week Range 50% of range
₹90.07 ₹189.13
Trend Signals
  • Price vs 50-DMABelow
  • RSI (14)27.15 · Oversold
Price Performance
1M-24.70%
3M-21.09%
6M+3.69%
1Y+8.49%
Valuation vs Sector

P/E of 14.06 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 22.2%.
  • Compounding revenue at 41.3% over 5 years.
  • Profit CAGR of 69.3% over 5 years.

CONS

  • Trading 26.1% below its 52-week high.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.06
Industry PE
15.36
Forward P/E
7.12
PEG Ratio
-
Book Value
₹114.68
Price to Book
1.37
P/S
3.59
EV/EBITDA
18.85
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
41.34%
Profit 5Y
69.34%
Revenue (YoY)
36.70%
Earnings (YoY)
91.10%

Profitability & Returns

ROCE
5.50%
ROE
7.65%
ROA
2.49%
Profit Margin
22.21%
Op Margin
34.99%
Gross Margin
100.00%
EPS (Latest Qtr)
₹3.00
EPS (TTM)
₹9.95

Balance Sheet & Liquidity

Debt/Equity
2.00
Quick Ratio
-
Current Ratio
1,610.25
Debt
₹5,065.10 Cr
Total Assets
₹7,772.94 Cr
Current Assets
₹7,374.93 Cr
Working Capital
₹7,370.35 Cr

Ownership

Promoter Holding
35.16%
Chg in Prom Hold
-0.00%
FII / Inst Holding
47.23%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
₹3,420.22 Cr
Total Revenue (TTM)
₹1,069.49 Cr
EBITDA
₹453.84 Cr
Free Cash Flow
₹-1,366.30 Cr
Operating Cash Flow
₹-1,354.64 Cr
Shares Outstanding
₹24.46 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AYE Aye Finance Limited NSEFINANCIAL 139.85 14.06 ₹3,420.22 Cr 0.00% 5.50% 7.65% 41.34% 69.34%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 364.90 Cr373.87 Cr379.54 Cr459.66 Cr472.23 Cr
Cost of Revenue 231.27 Cr240.13 Cr119.34 Cr269.57 Cr269.25 Cr
Gross Profit 133.63 Cr133.74 Cr260.20 Cr190.09 Cr202.98 Cr
Operating Expenses 43.03 Cr34.81 Cr86.53 Cr54.63 Cr41.85 Cr
Operating Income 90.60 Cr98.93 Cr173.67 Cr135.46 Cr161.13 Cr
EBITDA 96.92 Cr104.03 Cr71.01 Cr143.42 Cr167.30 Cr
Interest Expense -----
Pretax Income 50.45 Cr40.89 Cr41.69 Cr110.88 Cr97.15 Cr
Tax Provision 9.75 Cr10.30 Cr7.68 Cr24.97 Cr22.65 Cr
Net Income 40.70 Cr30.59 Cr34.01 Cr85.91 Cr74.50 Cr
Diluted EPS 1.651.24-3.853.00

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -581.21 Cr980.09 Cr1,380.38 Cr1,640.97 Cr
Cost of Revenue -255.94 Cr418.44 Cr847.64 Cr1,028.82 Cr
Gross Profit -325.26 Cr561.65 Cr532.74 Cr612.15 Cr
Operating Expenses -118.54 Cr152.22 Cr139.89 Cr184.62 Cr
Operating Income -206.73 Cr409.43 Cr392.85 Cr427.53 Cr
EBITDA -188.47 Cr357.85 Cr415.01 Cr453.84 Cr
Interest Expense 109.67 Cr105.63 Cr115.45 Cr157.35 Cr-
Pretax Income -71.40 Cr227.86 Cr225.01 Cr247.30 Cr
Tax Provision -31.52 Cr56.18 Cr53.74 Cr53.67 Cr
Net Income -39.87 Cr171.68 Cr171.27 Cr193.63 Cr
Diluted EPS -1.626.966.949.60

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -3,126.00 Cr4,869.59 Cr6,338.63 Cr7,772.94 Cr
Current Assets -1,876.24 Cr2,717.82 Cr3,622.34 Cr7,374.93 Cr
Cash & Equivalents -272.63 Cr526.59 Cr931.16 Cr620.38 Cr
Inventory -----
Receivables -----
Total Liabilities -2,371.51 Cr3,637.05 Cr4,679.76 Cr5,240.23 Cr
Current Liabilities -1,497.47 Cr2,174.72 Cr2,328.62 Cr4.58 Cr
Long Term Debt -848.57 Cr1,427.39 Cr2,317.05 Cr5,017.63 Cr
Total Debt -2,320.45 Cr3,522.62 Cr4,554.74 Cr5,065.10 Cr
Total Equity -754.49 Cr1,232.55 Cr1,658.87 Cr2,532.71 Cr
Shares Outstanding -24.45 Cr24.45 Cr24.45 Cr24.68 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --720.39 Cr-1,322.83 Cr-811.79 Cr-1,354.64 Cr
Investing Cash Flow -78.21 Cr83.04 Cr-38.59 Cr-125.36 Cr
Financing Cash Flow -761.97 Cr1,493.74 Cr1,254.95 Cr1,169.22 Cr
Capital Expenditure --4.43 Cr-11.61 Cr-16.89 Cr-11.66 Cr
Free Cash Flow --724.82 Cr-1,334.44 Cr-828.68 Cr-1,366.30 Cr
Net Change in Cash -119.79 Cr253.96 Cr404.57 Cr-310.78 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -56.0%57.3%38.6%37.3%
Operating Margin % -35.6%41.8%28.5%26.1%
Net Margin % -6.9%17.5%12.4%11.8%
ROE % -5.3%13.9%10.3%7.6%
ROCE % -12.7%15.2%9.8%5.5%

Shareholding Pattern

Insiders
35.16%
Institutions
47.23%
Public Float
72.84%

Analyst View

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Latest News

Recent headlines for AYE

Yahoo Finance Wed, 04 Mar 2026

Aye Finance pilots Generative AI model for image-based underwriting of trading businesses

Aye Finance, India's leading provider of business loans to the underserved micro-scale MSMEs, has completed a pilot that uses the predictive capability of Gen AI technology, which will enhance its formal credit to the trading businesses in …

Yahoo Finance hu, 26 Feb 2026

Time Magazine Ranks Aye Finance Among India's Top 30 Fastest-Growing Companies for 2026

Aye Finance, India's leading financial institution providing business loans to the largely underserved micro-scale enterprises, has been recognised as one of India's most dynamic businesses, ranking 26th in the prestigious 'India's Fastest-…

AYE — Frequently Asked Questions

What is the current share price of Aye Finance Limited (AYE)?

As of 2026-10-23 04:58 IST, Aye Finance Limited (AYE) trades at ₹139.85 on NSE. Its 52-week range is ₹90.07 to ₹189.13.

What is the market capitalisation of AYE?

Aye Finance Limited (AYE) has a market capitalisation of ₹3,420.22 Cr on NSE.

What is the P/E ratio of AYE?

AYE trades at a trailing price-to-earnings (P/E) ratio of 14.06. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.37.

What is the return on equity (ROE) of AYE?

AYE has a return on equity (ROE) of 7.65%. Its return on capital employed (ROCE) is 5.50%.

Is AYE a good stock to buy?

This page provides a data-driven analysis of Aye Finance Limited (AYE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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