Aye Finance Ltd
₹ 176
-3.69%
03 Jul
- close price
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
- Market Cap ₹ 4,345 Cr.
- Current Price ₹ 176
- High / Low ₹ 185 / 88.2
- Stock P/E 22.4
- Book Value ₹ 103
- Dividend Yield 0.00 %
- ROCE 11.3 %
- ROE 9.24 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 62.9% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 11.7% 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.
Loading peers table ...
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 495 | 432 | 623 | 1,040 | 1,460 | 1,815 | |
| Interest | 236 | 160 | 199 | 329 | 472 | 534 |
| 230 | 341 | 361 | 500 | 786 | 1,056 | |
| Financing Profit | 28 | -69 | 63 | 211 | 202 | 225 |
| Financing Margin % | 6% | -16% | 10% | 20% | 14% | 12% |
| 4 | 12 | 20 | 31 | 45 | 49 | |
| Depreciation | 9 | 10 | 11 | 15 | 22 | 26 |
| Profit before tax | 23 | -67 | 71 | 228 | 225 | 247 |
| Tax % | 27% | -32% | 25% | 29% | 24% | 22% |
| 17 | -46 | 54 | 161 | 171 | 194 | |
| EPS in Rs | 34.97 | -94.65 | 111.35 | 333.57 | 8.93 | 7.85 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 30% |
| 3 Years: | 43% |
| TTM: | 24% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 63% |
| 3 Years: | 53% |
| TTM: | 13% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 9% |
| 3 Years: | 12% |
| Last Year: | 9% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 4 | 4 | 4 | 4 | 38 | 49 |
| Reserves | 716 | 676 | 738 | 1,196 | 1,621 | 2,484 |
| Borrowing | 1,363 | 1,570 | 2,347 | 3,558 | 4,555 | 5,065 |
| 43 | 66 | 51 | 114 | 125 | 175 | |
| Total Liabilities | 2,127 | 2,316 | 3,140 | 4,873 | 6,338 | 7,773 |
| 27 | 27 | 27 | 32 | 41 | 62 | |
| CWIP | 0 | 0 | 0 | 3 | 4 | 0 |
| Investments | 198 | 155 | 84 | 11 | 42 | 158 |
| 1,902 | 2,134 | 3,028 | 4,828 | 6,252 | 7,553 | |
| Total Assets | 2,127 | 2,316 | 3,140 | 4,873 | 6,338 | 7,773 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 125 | -279 | -720 | -1,323 | -812 | -1,355 | |
| -190 | 46 | 78 | 83 | -39 | -125 | |
| 72 | 207 | 762 | 1,494 | 1,255 | 1,169 | |
| Net Cash Flow | 7 | -27 | 120 | 254 | 405 | -311 |
| Free Cash Flow | 122 | -285 | -724 | -1,334 | -829 | -1,366 |
| CFO/OP | 50% | -306% | -271% | -231% | -110% | -172% |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 2% | -7% | 8% | 17% | 12% | 9% |
Insights
In beta| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Number of Branches Count |
|
|||||||
| PAR X (0+ DPD, Portfolio at Risk) % of AUM |
||||||||
| Average Ticket Size on Disbursement Rs. Lakhs |
||||||||
| Disbursements Rs. Crores |
||||||||
| Number of Active Customers (Unique Borrowers) Count |
||||||||
| Collection Efficiency (Non-OD) % |
||||||||
| Mortgage Loans share of AUM % of AUM |
||||||||
| Number of Employees Count |
||||||||
Requires Premium
Requires Premium
Extracted by Screener AI
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Jun - Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, an intimation for transfer of equity shares from Trust to eligible grantees upon exercise ....
-
Closure of Trading Window
29 Jun - Trading window closed from July 1, 2026 until 48 hours after Q1 FY27 results.
-
Announcement under Regulation 30 (LODR)-Allotment
26 Jun - Allotted 14,000 NCDs worth ₹140 crore to FMO on June 25, 2026.
-
Announcement under Regulation 30 (LODR)-Credit Rating
24 Jun - Ind-Ra upgrades Aye Finance NCDs and bank loans to IND A+/Stable; CP to IND A1+.
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
24 Jun - India Ratings upgraded Aye Finance to IND A+; CP to IND A1+, citing strong fundamentals and liquidity.
Concalls
-
May 2026Transcript PPT REC
-
Mar 2026Transcript PPT REC
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.