Pursuant to Regulation 30 of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, Transcript of Earnings Conference Call on Company''s business strategy and outlook is ....
AYE · price
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Aye Finance Limited, an NBFC focused on micro-MSME lending, reported strong Q4 FY26 results with AUM at INR 7,044 crores (27% annual growth) and Q4 profit of INR 86 crores (110% YoY growth). The company completed its IPO in February 2026, raising INR 1,010 crores, which strengthened capital adequacy to 42.2%. Asset quality improved significantly with PAR X declining from 7.6% to 6.9% and GNPA at 4.77%. Credit costs reduced to 4.3% in Q4, marking the fifth consecutive quarter of reduction. The company has strategically increased mortgage loans to 23% of portfolio (from 12% in FY24) and deployed AI tools for credit underwriting. Management guided FY27 for 25-30% AUM growth, 3.5-4% credit costs, and expects borrowing costs to decline by 25-35 basis points due to debt refinancing.
Strong quarter with improving asset quality and disciplined cost management positions the company well for FY27 growth targets. The IPO proceeds provide ample capital buffer while the management's guidance for margin stability and operating expense reduction signals profitability improvement ahead.