Aye Finance Limited has submitted to the Exchange, the financial results for the period ended December 31, 2025.
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On the reaction day the stock moved 1.1 pts less than Nifty Microcap 250 and 1.0 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Aye Finance, a Middle Layer NBFC, reported its first quarterly results as a listed entity after its February 2026 IPO. Total revenue from operations grew ~22.3% YoY to ₹1,286.29 cr for 9M FY26, while Q3 revenue rose 22.6% to ₹442.78 cr. However, 9M profit after tax fell ~17.5% to ₹107.72 cr (from ₹130.57 cr) due to higher finance costs (up 16%) and a sharp 32% jump in impairment on financial instruments to ₹256.07 cr. Q3 PAT, however, rebounded strongly to ₹42.60 cr (up ~87% YoY) from ₹22.77 cr. Asset quality weakened with Gross Stage 3 ratio at 4.94% and Net Stage 3 at 1.98%. The company reported non-compliance with certain NCD covenants linked to PAR 90 and write-off ratios due to higher delinquencies in micro business and MFI loans, though waivers were obtained from some debenture holders.
Strong revenue growth is positive, but declining 9M profits and rising credit costs raise concerns about near-term profitability. NCD covenant breaches tied to higher delinquencies signal asset quality stress, though the recent IPO proceeds of ~₹672 cr (received post-period) should strengthen the capital position (CRAR already healthy at 31.45%).