Aye Finance Ltd
₹ 167
-2.82%
27 Jul
3:40 p.m.
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 ₹ 4,123 Cr.
- Current Price ₹ 167
- High / Low ₹ 198 / 88.2
- Stock P/E 17.3
- 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 | TTM | |
|---|---|---|---|---|---|---|---|
| 495 | 432 | 623 | 1,040 | 1,460 | 1,796 | 1,872 | |
| Interest | 236 | 160 | 199 | 329 | 472 | 534 | 538 |
| 230 | 341 | 361 | 500 | 786 | 1,037 | 1,054 | |
| Financing Profit | 28 | -69 | 63 | 211 | 202 | 225 | 279 |
| Financing Margin % | 6% | -16% | 10% | 20% | 14% | 13% | 15% |
| 4 | 12 | 20 | 31 | 45 | 49 | 52 | |
| Depreciation | 9 | 10 | 11 | 15 | 22 | 26 | 27 |
| Profit before tax | 23 | -67 | 71 | 228 | 225 | 247 | 304 |
| Tax % | 27% | -32% | 25% | 29% | 24% | 22% | |
| 17 | -46 | 54 | 161 | 171 | 194 | 238 | |
| EPS in Rs | 34.97 | -94.65 | 111.35 | 333.57 | 8.93 | 7.85 | 10.52 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 42% |
| TTM: | 23% |
| 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 |
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| PAR X (0+ DPD, Portfolio at Risk) % of AUM |
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| Average Ticket Size on Disbursement Rs. Lakhs |
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| Disbursements Rs. Crores |
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| Number of Active Customers (Unique Borrowers) Count |
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| Collection Efficiency (Non-OD) % |
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| Mortgage Loans share of AUM % of AUM |
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| Number of Employees Count |
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Documents
Announcements
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Board Meeting Outcome for Raising Of Funds By Way Of Issuance Of Non-Convertible Debentures Through Private Placement
23 Jul - Approved private placement of NCDs up to ₹220 crore at 9.75% for 24 months.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
23 Jul - Audio recording of July 23, 2026 earnings conference call on business strategy and outlook uploaded.
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Announcement under Regulation 30 (LODR)-Monitoring Agency Report
23 Jul - Crisil report for quarter ended June 30, 2026 shows IPO proceeds fully utilized; no deviation.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
23 Jul - Pursuant to Regulation 47 of SEBI (LODR) Regulations, 2015, copies of the Newspaper Publication of unaudited financial results for the quarter ....
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Announcement under Regulation 30 (LODR)-Investor Presentation
22 Jul - Pursuant to Regulation 30 of SEBI Listing Regulations, 2015, Investor Presentation for the quarter ended June 30, 2026 is attached herewith
Concalls
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Jul 2026TranscriptPPT REC
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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.