AY
Aye Finance Ltd (AYE)
₹172.03
Mkt cap
₹4,144 Cr
P/E ratio
21.40
P/B
1.67
Div yield
0.00%
ROE
9.24%
ROCE
11.30%
EPS (TTM)
₹8.04
Book value
₹103
52W range
90–189
Sector
Financial Services
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]
Health check
Mixed
ValuationFair
ProfitabilityAverage
TechnicalsNeutral
52-week range
−9.04% from high₹172
₹90+91.00% from low₹189
Current
₹172.03
Prev close
₹172.30
Day
−0.16%
Price performance
1D
−0.16%
1W
+0.33%
1M
+2.45%
3M
+27.55%
6M
—
1Y
—
YTD
+33.45%
Financials
FRevenue, profit & margin
P/E ratio
21.4×
AYE is 3% below the sector median of 22.0×
AYE21.4×
Sector median22.0×
| Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|
| Revenue | 361 | 409 | 407 | 437 | 443 | 528 | |
| Interest | 115 | 123 | 126 | 133 | 141 | 135 | |
| Expenses | 219 | 240 | 244 | 266 | 253 | 292 | |
| Financing Profit | 27 | 46 | 37 | 38 | 49 | 102 | |
| Financing Margin % | 7% | 11% | 9% | 9% | 11% | 19% | |
| Other Income | 9 | 11 | 9 | 10 | 12 | 17 | |
| Depreciation | 6 | 6 | 5 | 6 | 7 | 8 | |
| Profit before tax | 30 | 50 | 41 | 42 | 54 | 111 | |
| Tax % | 25% | 19% | 25% | 17% | 21% | 23% | |
| Net Profit | 23 | 41 | 31 | 35 | 43 | 86 | |
| EPS in Rs | 1.19 | 2.12 | 1.60 | 1.80 | 2.22 | 3.48 | |
| Gross NPA % | 3.79% | ||||||
| Net NPA % | 1.31% | ||||||
| Raw PDF |
Earnings
EResults dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
No reaction history yet.
No quarterly filings ingested yet.
Corporate actions
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Mar 2026FIIs18.66%
DIIs18.39%
Public62.02%
Ownership trend
Peers
P8 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 | ₹980.40 | 31.78 | 6,10,393 | 0.55% | 5,553 | +21.99% | 21,606 | +18.10% | 10.82% |
| Shriram Finance | ₹1,031.80 | 24.21 | 2,42,774 | 1.05% | 3,021 | +40.94% | 12,513 | +9.25% | 11.49% |
| Tata Capital | ₹363.65 | 31.64 | 1,54,365 | 0.00% | 1,466 | +42.82% | 8,160 | +9.12% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,799.20 | 29.32 | 1,53,397 | 0.11% | 1,645 | +30.62% | 8,417 | +19.46% | 9.70% |
| Muthoot Finance | ₹3,025.60 | 11.47 | 1,21,468 | 0.99% | 3,397 | +126.67% | 9,289 | +65.23% | 15.77% |
| L&T Finance Ltd | ₹299.00 | 24.95 | 74,915 | 0.92% | 809 | +26.79% | 4,771 | +18.60% | 8.40% |
| HDB FINANC SER | ₹743.55 | 24.28 | 61,743 | 0.54% | 751 | +41.38% | 4,745 | +11.24% | 9.09% |
| Aye Finance | ₹167.92 | 21.40 | 4,144 | 0.00% | 86 | +111.08% | 528 | +29.16% | 11.32% |
| Median: 95 Co. | ₹132.40 | 22.04 | 518 | 0.00% | 5 | +26.24% | 45 | +18.10% | 9.71% |
Filings
DAnnual reports1
Concall transcripts6
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment 2d - Allotted 14,000 NCDs worth ₹140 crore to FMO on June 25, 2026.Announcement under Regulation 30 (LODR)-Credit Rating 24 Jun - Ind-Ra upgrades Aye Finance NCDs and bank loans to IND A+/Stable; CP to IND A1+.Announcement under Regulation 30 (LODR)-Press Release / Media Release 24 Jun - India Ratings upgraded Aye Finance to IND A+; CP to IND A1+, citing strong fundamentals and liquidity.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 17 Jun - Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, an intimation for Institutional Investor meet is attached herewithIntimation Under Regulation 30(5) Of SEBI (LODR) Regulations, 2015 15 Jun - Aye Finance updates authorized KMPs under Regulation 30(5) after Vipul Sharma's resignation.