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Aye Finance Ltd

Aye Finance Ltd

AYE Share Price

NSE
174.520.76% (-1.34)
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With a market cap of ₹4,379 cr, stock is ranked 895

Stock is 5.01x as volatile as Nifty

AYE Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹4,379 cr, stock is ranked 895

Stock is 5.01x as volatile as Nifty

AYE Performance & Key Metrics

AYE Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
18.441.73
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.612.141.29%

AYE Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

AYE Company Profile

Aye Finance Limited is an India-based NBFC focused on providing secured and unsecured business loans to microscale MSMEs across manufacturing, trading, service, and allied agriculture sectors in India, supporting working capital and business expansion needs.

Investor Presentation

View older View older 

Jul 22, 2026

PDF
View Older Presentations
PE Ratio
35.77
35.77
1Y Return
26.47%
26.47%
Buy Reco %
81.82
81.82
PE Ratio
26.52
26.52
1Y Return
82.53%
82.53%
Buy Reco %
87.50
87.50
PE Ratio
106.92
106.92
1Y Return
22.99%
22.99%
Buy Reco %
100.00
100.00
PE Ratio
31.25
31.25
1Y Return
31.16%
31.16%
Buy Reco %
84.38
84.38
PE Ratio
31.95
31.95
1Y Return
10.02%
10.02%
Buy Reco %
84.62
84.62
Compare with Peers

AYE Sentiment Analysis

AYE Sentiment Analysis

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Crisp summary & key insights to decode earnings calls instantly

AYE Stock Summary · May 2026

Management framed the quarter as a capital‑strength milestone that expanded margins while laying out a deliberate growth and risk‑management path. The company completed an INR 1,010 crore IPO and reported Q4 net margin at 16.4%, outcomes management credited with bolstering capital adequacy (42.2%) and enabling NIM uplift from prior quarters. Executives emphasised a disciplined pivot toward more secured mortgage lending to smooth earnings and extend tenures, continued exclusive focus on underserved MSMEs, accelerated deployment of in‑house ML and generative‑AI tools to improve underwriting, and diversification of funding across banks, NBFCs and capital‑market instruments. They acknowledged tensions: the IPO lowered leverage temporarily but roughly INR 2,400 crore of legacy borrowings maturing over 12 months creates a material refinancing need, and capacity builds (headcount and collections) are driving near‑term opex increases even as management targets operating‑expense ratio compression and operating leverage of ~4.0x–4.5x. Near term guidance reiterated growth of 25%–30%, FY27 credit costs of ~3.5%–4% (Q4 run‑rate ~3.0%–3.25%), and medium‑term ROA/ROE aims of 4.0%–4.5% and ~17%–20%, with profits expected H2‑skewed.

AYE Stock Growth Drivers
AYE Stock Growth Drivers
7
  • Strengthened capital and more stable funding profile

    The company materially bolstered its capital base through a February 2026 IPO that raised INR

  • Scale expansion and sustained demand from target segment

    The firm demonstrated clear scale momentum: assets under management reached INR 7,044 crore in Q4

AYE Stock Challenges
AYE Stock Challenges
5
  • Refinancing and interest-rate exposure

    The company faces a material near-term refinancing need—approximately INR2,400 crore of legacy, relatively expensive borrowings

  • Product-mix shift and margin pressure

    A growing share of lower-yielding mortgage loans versus hypothecation loans is exerting downward pressure on

AYE Forecast

AYE Forecasts

Price

Revenue

Earnings

AYE

AYE

Income

Balance Sheet

Cash Flow

AYE Income Statement

AYE Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue319.81350.64366.41370.47420.11414.63446.89454.95531.91489.66
Operating & Other expensessubtract262.08264.67298.51333.94363.34368.64398.96394.10413.07386.34
Depreciation/Amortizationsubtract4.304.505.266.086.325.106.247.017.966.17
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract17.7720.5315.787.689.7510.307.1611.2424.9722.65
EPS9.9817.05109.7810.722.121.601.802.223.893.02

AYE Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 22PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

Apr 27PDF
Mar 6PDF
 

AYE Stock Peers

AYE Past Performance & Peer Comparison

AYE Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Aye Finance Ltd22.621.73
Bajaj Finance Ltd35.775.810.55%
Shriram Finance Limited26.524.030.76%
Jio Financial Services Limited106.921.250.23%

AYE Stock Price Comparison

Compare AYE with any stock or ETF
Compare AYE with any stock or ETF
AYE
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AYE Holdings

AYE Shareholdings

AYE Promoter Holdings Trend

AYE Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

AYE Institutional Holdings Trend

AYE Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Decreased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 2.96%

Tickertape Separator

AYE Shareholding Pattern

AYE Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding0.00%5.59%14.16%15.70%64.55%

Dec 2025

Feb 2026

Mar 2026

Jun 2026

AYE Shareholding History

AYE Shareholding History

Dec '24FebDec '25FebMarJun0.00%19.04%19.04%19.04%18.66%15.70%

Mutual Funds Invested in AYE

Mutual Funds Invested in AYE

No mutual funds holding trends are available

Top 5 Mutual Funds holding Aye Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.3204%0.82%0.33%95/119 (-8)
0.1668%1.15%0.50%26/70 (+28)
0.1486%2.38%1.42%20/36 (+7)

Compare 3-month MF holding change on Screener

AYE Insider Trades & Bulk Stock Deals

AYE Insider Trades & Bulk Stock Deals

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smallcases containing AYE stock

smallcases containing AYE stock

Looks like this stock is not in any smallcase yet.

AYE Events

AYE Events

AYE Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AYE has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

AYE Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AYE has not given any dividends in last 5 years

AYE Dividends

AYE Dividends

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AYE Stock News & Opinions

AYE Stock News & Opinions

Corporate
Corporate
Aye Finance increased share capital after equity share allotments under ESOP plans

Aye Finance Limited has allotted 1,400 equity shares at a face value of Rs 2 each to eligible grantees under its Employee Stock Option Plan 2020, increasing the company’s paid-up share capital to Rs 49,35,71,332. Additionally, the Aye Finance Employees Welfare Trust transferred 8,050 equity shares of face value Rs 2 each to eligible grantees under the Employee Stock Option Plan 2016, with the newly allotted and transferred shares ranking pari passu with existing equity shares.

1 week agoCapital Market - Live
Corporate
Corporate
Aye Finance secures Rs 220 crore through debenture allotment to multiple investors

Aye Finance Limited, formerly known as Aye Finance Private Limited, announced that its Securities Allotment Committee approved the allotment of 22,000 rated, senior, listed, secured, transferable, redeemable, non-convertible debentures with a face value of Rs 100,000 each, totaling an aggregate nominal value of Rs 220 crore, to investors including Saarathi Finance and Credit Private Limited, Namdev Finvest Private Limited, MAS Rural Housing and Mortgage Finance Limited, Incred Financial Services Limited, MAS Financial Services Limited, Muthoot Housing Finance Company Limited, Arman Financial Services Limited, and Northern Arc Capital Limited, on a private placement basis.

2 weeks agoCapital Market - Live
Corporate
Corporate
Aye Finance to hold AGM

Aye Finance announced that the 33th Annual General Meeting(AGM) of the company will be held on 1 September 2026.

3 weeks agoCapital Market - Live
Earnings
Earnings
Aye Finance standalone net profit rises 143.54% in the June 2026 quarter

Net profit of Aye Finance rose 143.54% to Rs 74.50 crore in the quarter ended June 2026 as against Rs 30.59 crore during the previous quarter ended June 2025. Sales rose 17.74% to Rs 477.37 crore in the quarter ended June 2026 as against Rs 405.46 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales477.37405.46 18 OPM %46.4340.24 - PBDT103.3245.99 125 PBT97.1540.89 138 NP74.5030.59 144 Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Corporate
Aye Finance to hold board meeting

Aye Finance will hold a meeting of the Board of Directors of the Company on 23 July 2026.

3 weeks agoCapital Market - Live
Corporate
Corporate
Aye Finance to conduct board meeting

Aye Finance will hold a meeting of the Board of Directors of the Company on 22 July 2026.

4 weeks agoCapital Market - Live
Corporate
Corporate
Aye Finance raises Rs 140 cr via private placement of NCDs

Aye Finance has allotted 14,000 non convertible debentures having face value of Rs 1 lakh each aggregating to Rs 140 crore to Nederlandse Financierings Maatschappij voor Ontwikkelingslanden N.V. (FMO), on private placement basis.

1 month agoCapital Market - Live
Corporate
Corporate
Aye Finance receives upgrade in credit ratings; outlook remains stable

Aye Finance has received upgrade in credit ratings from India Ratings and Research from IND A; Stable / IND A1 to IND A+; Stable / IND A1+ for debt instruments including non-convertible debentures, commercial paper and bank facilities.

1 month agoCapital Market - Live
Spotlight
Spotlight
Aye Finance jumps as board OKs raising $15 mln via NCDs

The company will issue senior, secured, rated, listed, redeemable and transferable NCDs with a face value of Rs 1 lakh each for cash at par. The fundraising amount will be equivalent to up to $15 million in Indian rupee terms. The debentures will have a tenure of five years. Interest will be paid semi-annually at the end of each coupon period, while the principal amount will be redeemed in five equal instalments over the tenure of the instrument. The proposed NCDs are slated to be listed on the Wholesale Debt Market segment of the BSE. Under the terms of the issue, any delay in payment of principal or interest will attract 2% per annum over and above the applicable coupon rate on the outstanding amount until the default is rectified. Aye Finance is an NBFC-middle layer focused on providing loans to micro-scale MSMEs across India. The company operates across 18 states and 3 union territories, offering working capital and expansion loans to businesses in manufacturing, trading, services and allied agriculture sectors. The company's standalone net profit jumped 111.08% to Rs 85.91 crore on a 29.16% increase in revenue from operations to Rs 528.44 crore in Q4 FY26 over Q4 FY25. The AUM grew 27% YoY to Rs 7,044 crore, supported by 25% YoY growth in quarterly disbursements. A total of 70,841 new borrowers were added during the quarter. The credit cost for the quarter was 4.3%, having reduced by 186 bps YoY with consistent reductions in each of the previous five quarters.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Corporate
Aye Finance approves fund raise of USD 15 million via NCD issuance

Aye Finance has approved the issuance of senior, secured, rated, listed, redeemable, transferable, non-convertible debentures for an amount of up to the Indian Rupees (INR) equivalent of USD 15 million each having a face value of Rs 1,00,000 for cash, at par, in dematerialized form on a private placement basis. The deemed date of allotment is 25 June 2026.

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Aye Finance Ltd (AYE) today?

    The share price of AYE as on 14th August 2026 is ₹174.52. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Aye Finance Ltd (AYE) share?

    The past returns of Aye Finance Ltd (AYE) share are
    • Past 1 week: 5.07%
    • Past 1 month: 4.71%
    • Past 3 months: 31.83%
    • Past 6 months: 36.42%
    • Past 1 year: 36.42%
    • Past 3 years: N/A%
    • Past 5 years: 36.42%

  3. What are the peers or stocks similar to Aye Finance Ltd (AYE)?
  4. What is the market cap of Aye Finance Ltd (AYE) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Aye Finance Ltd (AYE) is ₹4379.64 Cr as of 14th August 2026.

  5. What is the 52 week high and low of Aye Finance Ltd (AYE) share?

    The 52-week high of Aye Finance Ltd (AYE) is ₹197.29 and the 52-week low is ₹88.22.

  6. What is the PE and PB ratio of Aye Finance Ltd (AYE) stock?

    The P/E (price-to-earnings) ratio of Aye Finance Ltd (AYE) is 22.62. The P/B (price-to-book) ratio is 1.73.

  7. Which sector does Aye Finance Ltd (AYE) belong to?

    Aye Finance Ltd (AYE) belongs to the Financials sector & Consumer Finance sub-sector.

  8. How to buy Aye Finance Ltd (AYE) shares?

    You can directly buy Aye Finance Ltd (AYE) shares on Tickertape. Simply sign up, connect your demat account and place your order.