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Companies›Financial Services›Financial Services›Finance
NSE:AYE

AYE FINANCE LIMITED

Financial Services › Finance
₹133.22
at close · 27 Oct 2026
▲ 2.01 (+1.53%)

Latest filings

  1. IPO proceeds largely deployed; Rs 226.30 million remains idle · Compliance
  2. Aye Finance publishes Q2 FY27 results in newspapers · Compliance
  3. Q2 FY27 earnings call audio recording link shared · Investor Communications
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Aye Finance is an NBFC that lends to micro-enterprises, with Q1 FY27 AUM of ₹7,324 crore and 6.7 lakh active borrowers served through 571 branches across 18 states. Revenue comes from interest on these loans — Q1 FY27 gross total income was ₹490 crore (+22% YoY) and net total income ₹322 crore (+38% YoY). Q1 FY27 disbursements of ₹1,219 crore (+22% YoY) were the strongest ever for a Q1. The portfolio is shifting toward mortgage-backed lending (mortgage share currently 22%, target 30-35% over the medium term) to structurally lower credit costs, with plans to add gold loan and affordable housing products to the offering. Asset quality has improved for six consecutive quarters — GNPA at 4.49% and credit cost at 4.01% — and the India Ratings upgrade to A+ stable is expected to cut incremental borrowing cost by 20-25 bps. The largest cost line itemised in the cost shape is employee expense at 27.3% of revenue, while the company funds itself primarily through NCDs (e.g., ₹220 crore at 9.75% coupon in July 2026) and plans to raise up to ₹4,000 crore via NCDs in FY27.

Operating scale
AUM
₹7,324 croreQ1 FY27
Disbursements
₹1,219 croreQ1 FY27
Branches
571Q1 FY27
Active borrowers
6.7 lakhQ1 FY27
GNPA
4.49%Q1 FY27
NIM
15.9%Q1 FY27
Who pays it
Micro-enterprises and small business borrowers across 18 states
Biggest cost
Borrowing/funding cost, raised mainly via NCDs (e.g., 9.75% coupon) and bank borrowings
Kind of business
Cyclical, asset-light NBFC focused on micro-enterprise lending (capex 0.6% of revenue)
Where it sits
Operates in India's micro-enterprise lending segment, which management views as less than 2-3% penetrated of the addressable market
Market Cap
₹3,288 Cr
P / E (TTM)
—
EV / EBITDA
—
Div Yield
—
Growth
—·
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY26)
ROE 7.6% · margin 44.5%
Leverage
—·
Debt / Equity · not read for a lender
Moves on a normal day
2.33%·
Median daily move
Last 169 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#93/200
P/B#138/253
ROE#78/257
EBITDA margin#124/249

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

AYE · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from AYE FINANCE LIMITED's filed financials and exchange disclosures

What does AYE FINANCE LIMITED do?

AYE FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol AYE.

Does AYE FINANCE LIMITED pay a dividend?

Not in the latest reported year — AYE FINANCE LIMITED's dividend payout for FY26 was nil.

How much does the AYE FINANCE LIMITED share price move in a day?

On a typical session AYE FINANCE LIMITED moves 2.33% — that is the median absolute close-to-close move across its last 169 trading days. MarketPing measures each filing's price reaction against it.

Where can I track AYE FINANCE LIMITED's announcements?

Every NSE and BSE filing by AYE FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.