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 businesses; and SwitchPe, a supply chain finance platform designed to empower merchants and retailers by providing seamless access to unsecured credit lines. The company was incorporated in 1993 and is based in Gurugram, India.
Why Investors Should Care
Net profit has compounded at 69.3% per year over the last five years.
Revenue has grown at a 41.3% CAGR over the past five years.
Trades at a P/E of 17.6, below the sector median of 19.8.
Operating margin of 26.1% supports profitability.
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 +18.9%, earnings +13.1%.
- 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: | 18.88% |
Compounded Profit Growth
| 5 Years: | 69.34% |
| 1 Year: | 13.06% |
Stock Price Performance
| 1 Year: | +31.20% |
| 6 Months: | - |
| 3 Months: | +44.40% |
| 1 Month: | +7.90% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- RSI (14)54.34 · Neutral
P/E of 17.62 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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
- Compounding revenue at 41.3% over 5 years.
- Profit CAGR of 69.3% over 5 years.
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AYE AYE FINANCE LIMITED NSEFINANCIAL | 169.13 | 17.62 | ₹4,173.86 Cr | 0.00% | 5.50% | 7.65% | 41.34% | 69.34% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Revenue | 364.90 Cr | 459.66 Cr |
| Cost of Revenue | 231.27 Cr | 269.57 Cr |
| Gross Profit | 133.63 Cr | 190.09 Cr |
| Operating Expenses | 43.03 Cr | 54.63 Cr |
| Operating Income | 90.60 Cr | 135.46 Cr |
| EBITDA | 96.92 Cr | 143.42 Cr |
| Interest Expense | - | - |
| Pretax Income | 50.45 Cr | 110.88 Cr |
| Tax Provision | 9.75 Cr | 24.97 Cr |
| Net Income | 40.70 Cr | 85.91 Cr |
| Diluted EPS | 1.65 | 3.85 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 581.21 Cr | 980.09 Cr | 1,380.38 Cr | 1,640.97 Cr |
| Cost of Revenue | - | 255.94 Cr | 418.44 Cr | 847.64 Cr | 1,028.82 Cr |
| Gross Profit | - | 325.26 Cr | 561.65 Cr | 532.74 Cr | 612.15 Cr |
| Operating Expenses | - | 118.54 Cr | 152.22 Cr | 139.89 Cr | 184.62 Cr |
| Operating Income | - | 206.73 Cr | 409.43 Cr | 392.85 Cr | 427.53 Cr |
| EBITDA | - | 188.47 Cr | 357.85 Cr | 415.01 Cr | 453.84 Cr |
| Interest Expense | 109.67 Cr | 105.63 Cr | 115.45 Cr | 157.35 Cr | - |
| Pretax Income | - | 71.40 Cr | 227.86 Cr | 225.01 Cr | 247.30 Cr |
| Tax Provision | - | 31.52 Cr | 56.18 Cr | 53.74 Cr | 53.67 Cr |
| Net Income | - | 39.87 Cr | 171.68 Cr | 171.27 Cr | 193.63 Cr |
| Diluted EPS | - | 1.62 | 6.96 | 6.94 | 9.60 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 3,126.00 Cr | 4,869.59 Cr | 6,338.63 Cr | 7,772.94 Cr |
| Current Assets | - | 1,876.24 Cr | 2,717.82 Cr | 3,622.34 Cr | 7,374.93 Cr |
| Cash & Equivalents | - | 272.63 Cr | 526.59 Cr | 931.16 Cr | 620.38 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | - | - | - | - |
| Total Liabilities | - | 2,371.51 Cr | 3,637.05 Cr | 4,679.76 Cr | 5,240.23 Cr |
| Current Liabilities | - | 1,497.47 Cr | 2,174.72 Cr | 2,328.62 Cr | 4.58 Cr |
| Long Term Debt | - | 848.57 Cr | 1,427.39 Cr | 2,317.05 Cr | 5,017.63 Cr |
| Total Debt | - | 2,320.45 Cr | 3,522.62 Cr | 4,554.74 Cr | 5,065.10 Cr |
| Total Equity | - | 754.49 Cr | 1,232.55 Cr | 1,658.87 Cr | 2,532.71 Cr |
| Shares Outstanding | - | 24.45 Cr | 24.45 Cr | 24.45 Cr | 24.68 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -720.39 Cr | -1,322.83 Cr | -811.79 Cr | -1,354.64 Cr |
| Investing Cash Flow | - | 78.21 Cr | 83.04 Cr | -38.59 Cr | -125.36 Cr |
| Financing Cash Flow | - | 761.97 Cr | 1,493.74 Cr | 1,254.95 Cr | 1,169.22 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 Cr | 253.96 Cr | 404.57 Cr | -310.78 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AYE
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 …
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 2026-07-15 09:52 IST, AYE FINANCE LIMITED (AYE) trades at ₹169.13 on NSE. Its 52-week range is ₹90.07 to ₹182.80.
What is the market capitalisation of AYE?
AYE FINANCE LIMITED (AYE) has a market capitalisation of ₹4,173.86 Cr on NSE.
What is the P/E ratio of AYE?
AYE trades at a trailing price-to-earnings (P/E) ratio of 17.62. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.49.
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.