Aye Finance Ltd

Aye Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aye Finance Ltd

₹ 99.2 -6.64%
13 Mar 3:31 p.m.
Company website BSE: 544699 NSE: AYE
About

Incorporated in 1993, Aye Finance Limited is an NBFC offers secured and unsecured small business loans for working capital, including mortgage loans, Property Loans, secured and unsecured hypothecation loans, primarily to micro-scale MSMEs.[1]

Key Points

Business Profile[1]
Aye Finance Limited is a Delhi-based NBFC–Middle Layer (NBFC-ML) focused on lending to micro-scale MSMEs across India. The company provides small-ticket business loans with an average disbursement size of ~₹1.8 lakh, catering to working capital and business expansion needs.

Website BSE NSE
  • Market Cap ₹ 2,447 Cr.
  • Current Price ₹ 99.2
  • High / Low ₹ 150 / 98.4
  • Stock P/E 12.8
  • Book Value ₹
  • Dividend Yield 0.00 %
  • ROCE 12.7 %
  • ROE 12.0 %
  • Face Value ₹ 2.00
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.4% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE IPO

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Quarterly Results

Figures in Rs. Crores

Dec 2024 Jun 2025 Sep 2025 Dec 2025
361 407 437 443
Interest 115 126 133 141
219 244 266 253
Financing Profit 27 37 38 49
Financing Margin % 7% 9% 9% 11%
9 9 10 12
Depreciation 6 5 6 7
Profit before tax 30 41 42 54
Tax % 25% 25% 17% 21%
23 31 35 43
EPS in Rs 1.19 1.60 1.80 2.22
Gross NPA % 3.79%
Net NPA % 1.31%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
495 432 623 1,040 1,460
Interest 236 160 199 329 472
230 341 361 500 786
Financing Profit 28 -69 63 211 202
Financing Margin % 6% -16% 10% 20% 14%
4 12 20 31 45
Depreciation 9 10 11 15 22
Profit before tax 23 -67 71 228 225
Tax % 27% -32% 25% 29% 24%
17 -46 54 161 171
EPS in Rs 34.97 -94.65 111.35 333.57 8.93
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 50%
TTM: 40%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 79%
TTM: 6%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 8%
3 Years: 12%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 4 4 4 4 38
Reserves 716 676 738 1,196 1,621
Borrowing 1,363 1,570 2,347 3,558 4,555
43 66 51 114 125
Total Liabilities 2,127 2,316 3,140 4,873 6,338
27 27 27 32 41
CWIP 0 0 0 3 4
Investments 198 155 84 11 42
1,902 2,134 3,028 4,828 6,252
Total Assets 2,127 2,316 3,140 4,873 6,338

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
125 -279 -720 -1,323 -812
-190 46 78 83 -39
72 207 762 1,494 1,255
Net Cash Flow 7 -27 120 254 405

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 2% -7% 8% 17% 12%

Insights

In beta
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Gross stage 3 assets (GNPA)
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Assets Under Management (AUM)
INR Crore
Number of Branches
Number
Number of Customers
Number
30+ days past due (dpd)
%
Average Ticket Size
INR Lakh
Collection Efficiency
%

Shareholding Pattern

Numbers in percentages

3 Recently
Feb 2026
19.04%
18.17%
61.86%
0.93%
No. of Shareholders 41,465

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

No data available.

DRHP

Credit ratings

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