Aye Finance Ltd
₹ 150
6.87%
12 Jun
- 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 ₹ 3,698 Cr.
- Current Price ₹ 150
- High / Low ₹ 169 / 88.2
- Stock P/E 19.1
- 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.
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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 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Gross stage 3 assets (GNPA) % |
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| Assets Under Management (AUM) INR Crore |
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| Number of Branches Number |
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| Number of Customers Number |
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| 30+ days past due (dpd) % |
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| Average Ticket Size INR Lakh |
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| Collection Efficiency % |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance Officer
1d - Vipul Sharma resigned as Company Secretary and Compliance Officer, effective June 12, 2026.
-
Board Meeting Outcome for Raising Of Funds By Way Of Issuance Of Non-Convertible Debentures Through Private Placement
8 Jun - Board committee approved private placement of NCDs up to USD 15 million; allotment on June 25, 2026.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
4 Jun - Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, an intimation for Institutional Investor meet is attached herewith
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Board Meeting Intimation for Consider And Approve The Offer And Issuance Of Senior, Secured, Listed Non-Convertible Debentures
3 Jun - WALCO meets June 8, 2026 to consider USD 15 million senior secured NCD issue.
- Shareholder Meeting / Postal Ballot-Scrutinizer"s Report 2 Jun
Concalls
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May 2026Transcript PPT REC
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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.