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Aye Finance share price & results

Aye Finance Limited· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

NBFC lending secured and unsecured business loans to micro-MSMEs across India via 571 in-house branches.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue514 ₹ crore+17.6% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit87.0 ₹ crore+148.6% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity10.76 %−2.7 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)20.91 %−16.1 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

1 of 6 judged targets kept · 15 open · verdicts reflect calls analysed to Q1 FY27.

Aye Finance Limited management guidance track record on Inve: 21 targets tracked across analysed earnings calls (1 achieved, 5 missed, 15 open).

TargetOriginal wordingSaidLatest callVerdict
Hypothecation Approval Ratecoming back to the 55% approval rate
Call transcript, Q3 FY26 · 13 Mar 2026		Q3 FY26Q1 FY27:Not mentioned in the Q1 FY27 earnings call or materials.
Call transcript, Q1 FY27 · 23 Jul 2026		Ghosted
PAR X (PAR 1+)bring down the PAR X to below 6% (5.5% to 6.00%)
Call transcript, Q4 FY26 · 28 Apr 2026		Q4 FY26Q1 FY27:PAR X increased to 7.01%. Management provided a new 'sustainable' target of 6% to 6.5%, which is a dilution of the original FY27 target.
Call transcript, Q1 FY27 · 23 Jul 2026		Revised Down
AUM CAGRconsistent growth of about 30% over next 3 years
Call transcript, Q3 FY26 · 13 Mar 2026		Q3 FY26Q1 FY27:AUM grew 28% YoY, which is within the FY27 guidance of 25-30% and supports the long-term CAGR target.
Call transcript, Q1 FY27 · 23 Jul 2026		On Track

Source: Inve Guidance Tracker for Aye Finance Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

5 of Aye Finance Limited's 21 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 18 more targets are in the full ledger.

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Price

₹133.34 +1.58% · +₹2.08

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance +3.4% YTD

₹100₹120₹140₹160₹180FebMarAprMayJunJulAugSeptOctQ3 FY26 — 13 Mar 2026Q4 FY26 — 28 Apr 2026Q1 FY27 — 23 Jul 2026

YTD: ₹128.91 on 16 Feb 2026 → ₹133.34. High ₹189.13 (21 Jul 2026), low ₹90.07 (7 Apr 2026).

Previous close
₹131.26
Market cap
₹3.2k Cr
52-week range
₹90.07 – ₹189.13
Price to earnings (TTM to Sept 2026)
11.17×
Return on equity (TTM to Sept 2026)
10.76%

Overview

Symbol
NSE:AYE
Exchange
NSE
Currency
INR

What Aye Finance Limited does

Based on the company's own presentations, annual report and earnings calls.

Aye Finance is a Gurugram/New Delhi-headquartered non-banking financial company (NBFC) that provides secured and unsecured business loans to micro, small and medium enterprises (MSMEs) across India, focusing on underserved borrowers such as marginal self-employed workers and unorganised or organised micro-MSMEs in Tier-2 and Tier-3 towns. It earns interest income by originating and holding a book of hypothecation (secured and unsecured) and mortgage/property-backed business loans, all non-consumption in nature. The company sources, underwrites, disburses and collects loans entirely in-house (no direct sales agents), combining AI/ML-based credit scoring with a cluster-based underwriting methodology built on its knowledge of over 70 local business clusters (e.g., grocery, dairy, tailoring, leather goods, power loom).

Segments

  • Secured Hypothecation Loans
  • Unsecured Hypothecation Loans
  • Mortgage Loans
  • Saral Property Loans (SPL)
Branch network
571 branches across 18 states and 3 union territories
Business clusters understood
70+ business clusters (e.g., grocery, dairy, tailoring, leather goods, power loom, jewelry)
Branches by zone
North 180, East 141, West 129, South 121
Customer segments served
4 MSME segments, from marginal wage-earners/self-employed to organised micro-MSMEs
Loan sourcing model
100% in-house origination with no direct sales agents (DSA)
Loan origination process
100% paperless onboarding
Headquarters Gurugram, Haryana (corporate office); registered office in New Delhi Company website

How the price took the results

close before → close after

Q1 FY27
−3.6%
23 Jul
Q4 FY26
−2.3%
28 Apr
Q3 FY26
−5.6%
13 Mar

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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