Aye Finance Ltd
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]
- Market Cap ₹ 3,328 Cr.
- Current Price ₹ 135
- High / Low ₹ 150 / 88.2
- Stock P/E 17.4
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 12.7 %
- ROE 12.0 %
- Face Value ₹ 2.00
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.
Quarterly Results
Figures in Rs. Crores
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 |
| Free Cash Flow | 122 | -285 | -724 | -1,334 | -829 |
| CFO/OP | 50% | -306% | -271% | -231% | -110% |
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 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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Extracted by Screener AI
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 16h
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 2d
-
Board Meeting Intimation for Consider And Approve The Financial Results For The Quarter & Year Ended March 31 2026
20 Apr - Board meeting on April 27, 2026 to approve audited FY26 financial results; trading window closed till April 29, 2026.
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 9 Apr
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
6 Apr - Aye Finance reports FY26 AUM 27% higher at ₹7,044 crore; disbursements up 20%, asset quality improved.
Concalls
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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.