AY
Aye Finance Ltd (AYE)
₹128.95
Mkt cap
₹3,182 Cr
P/E ratio
11.00
P/B
1.18
Div yield
0.00%
ROE
9.24%
ROCE
11.40%
EPS (TTM)
₹11.72
Book value
₹109
52W range
88–197
Sector
Financial Services
Price history
Previous close
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]
NSE AYEBSE 544699
Health check
Constructive
ValuationCheap
ProfitabilityAverage
TechnicalsNeutral
52-week range
−34.64% from high₹129
₹88+46.17% from low₹197
Current
₹128.95
Prev close
₹134.36
Day
−4.03%
Price performance
1D
−4.70%
1W
−4.38%
1M
−19.82%
3M
−20.52%
6M
−8.24%
1Y
—
YTD
+0.03%
Financials
Revenue, profit & margin
P/E ratio
11.0×
AYE is 40% below the sector median of 18.4×
AYE11.0×
Sector median18.4×
| Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 409 | 405 | 437 | 443 | 515 | 477 | 514 | |
| Interest | 115 | 123 | 126 | 133 | 141 | 135 | 131 | 145 | |
| Expenses | 219 | 240 | 242 | 266 | 253 | 279 | 256 | 260 | |
| Financing Profit | 27 | 46 | 37 | 38 | 49 | 102 | 91 | 110 | |
| Financing Margin % | 7% | 11% | 9% | 9% | 11% | 20% | 19% | 21% | |
| Other Income | 9 | 11 | 9 | 10 | 12 | 17 | 12 | 13 | |
| Depreciation | 6 | 6 | 5 | 6 | 7 | 8 | 6 | 6 | |
| Profit before tax | 30 | 50 | 41 | 42 | 54 | 111 | 97 | 116 | |
| Tax % | 25% | 19% | 25% | 17% | 21% | 23% | 23% | 25% | |
| Net Profit | 23 | 41 | 31 | 35 | 43 | 86 | 74 | 87 | |
| EPS in Rs | 1.19 | 2.12 | 1.60 | 1.80 | 2.22 | 3.48 | 3.02 | 3.51 | |
| Gross NPA % | 3.79% | ||||||||
| Net NPA % | 1.31% | ||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −4.73% · closed higher next day 0 of last 1
| Q2FY27 | |
|---|---|
| Broadcast | 21 Oct '26 |
| Earnings day | −4.73% |
| +1 day | −4.24% |
| +5 days | −3.93% |
| +15 days | — |
| +30 days | — |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Results analysis
Shareholding
as of Sep 2026FIIs18.55%2.85
DIIs23.34%3.59
Public57.39%6.42
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹939.10 | 26.73 | 5,84,679 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹823.15 | 15.27 | 1,93,694 | 1.31% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹319.90 | 22.64 | 1,35,793 | 0.18% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,586.00 | 21.78 | 1,35,517 | 0.13% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,408.60 | 8.50 | 96,698 | 1.25% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| L&T Finance Ltd | ₹244.40 | 17.79 | 61,256 | 1.13% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹525.00 | 19.16 | 49,962 | 0.48% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| Aye Finance | ₹128.95 | 10.98 | 3,182 | 0.00% | 87 | +151.14% | 514 | +17.83% | 11.38% |
| Median: 104 Co. | ₹130.87 | 18.42 | 496 | 0.00% | 11 | +38.83% | 50 | +27.11% | 9.46% |
Filings
Annual reports1
Concall transcripts12
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Earnings Call Transcript 29 Oct - Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, Transcript of Earnings Conference Call to discuss Company''s business strategy and outlook ....Transfer Of Equity Shares From Trust To Eligible Grantees 28 Oct - Aye Finance transferred 89,501 shares to ESOP grantees on October 28, 2026; paid-up capital unchanged.Announcement under Regulation 30 (LODR)-Monitoring Agency Report 23 Oct - Monitoring agency report for Q2 FY27: no IPO proceeds utilized; no deviation reported.Announcement under Regulation 30 (LODR)-Newspaper Publication 22 Oct - Pursuant to Regulation 47 of SEBI (LODR) Regulations, 2015, copies of the Newspaper Publication of unaudited financial results for the quarter ....Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 22 Oct - Audio recording of Q2 FY27 earnings conference call on business strategy and outlook posted on October 22, 2026.