What the business is, and whether it's a good one at a fair price.
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.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from AYE FINANCE LIMITED's filed financials and exchange disclosures
AYE FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol AYE.
Not in the latest reported year — AYE FINANCE LIMITED's dividend payout for FY26 was nil.
Effectively yes. It holds ₹620 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, AYE FINANCE LIMITED ranks 112 of 212 in Non Banking Financial Company (NBFC) — cheaper than 47% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session AYE FINANCE LIMITED moves 2.35% — that is the median absolute close-to-close move across its last 140 trading days. Announcement days are routinely larger.
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.
