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Aye Finance Ltd

Aye Finance Ltd

AYE Share Price

NSE
185.723.43% (+6.16)
High
Low
Returns
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1Y
5Y
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1W
1M
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With a market cap of ₹4,549 cr, stock is ranked 911

Stock is 4.70x 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 ₹4,549 cr, stock is ranked 911

Stock is 4.70x as volatile as Nifty

AYE Performance & Key Metrics

AYE Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
19.151.80
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.182.081.19%

AYE Analyst Ratings & Forecast

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

from 3 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
34.03
34.03
1Y Return
4.40%
4.40%
Buy Reco %
81.25
81.25
PE Ratio
23.71
23.71
1Y Return
61.11%
61.11%
Buy Reco %
87.50
87.50
PE Ratio
29.39
29.39
1Y Return
13.45%
13.45%
Buy Reco %
84.38
84.38
PE Ratio
97.25
97.25
1Y Return
27.56%
27.56%
Buy Reco %
100.00
100.00
PE Ratio
30.57
30.57
1Y Return
6.31%
6.31%
Buy Reco %
84.62
84.62
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AYE Sentiment Analysis

AYE Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

AYE Stock Summary · July 2026

Management struck an upbeat but disciplined tone, saying the quarter marked its strongest first-quarter disbursement performance as disbursements rose 22% year on year to INR1,219 crores and AUM increased 28% to INR7,324 crores. It said operating plans were largely met and demand stayed constructive despite seasonal softness, while the micro-MSME opportunity remained under-penetrated and supported by a scaled franchise of 571 branches and more than 6.7 lakh active borrowers. Management emphasised controlled expansion through deeper penetration in existing markets, with only 40 to 50 new branches planned this year, alongside a strong balance sheet and no near-term need for capital. Asset quality continued to improve, with gross NPA falling to 4.49% and collection efficiency remaining high, helping credit cost move down to 4.01% and closer to the 3.5% to 4% full-year range. Funding also improved after a rating upgrade, supporting margin resilience. Management kept its AUM growth guidance at 25% to 30%, expects NIM to stay broadly flat, and said guidance will be refined by the end of Q2.

AYE Stock Growth Drivers
AYE Stock Growth Drivers
10
  • Scaled Micro-Enterprise Lending Franchise

    The company has built a substantial position in India’s micro-enterprise lending market, operating 571 branches

  • Strong Operating Momentum and Customer Acquisition

    Recent performance indicates that demand remains resilient despite seasonal softness and external uncertainty. The company

AYE Stock Challenges
AYE Stock Challenges
5
  • Decline in fee and other income from non-core revenue normalization

    Fee and other income weakened because a direct assignment transaction was not completed after the

  • Weakness and stress in the hypothecation book relative to mortgage lending

    Credit performance is materially weaker in hypothecation than in mortgage, with higher delinquency metrics across

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 Ltd23.501.80
Bajaj Finance Ltd34.035.530.58%
Shriram Finance Limited23.713.610.86%
Cholamandalam Investment and Finance Company Ltd29.395.050.11%

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)
4.2830%2.46%0.40%10/43 (+4)
0.5426%0.26%0.21%139/178 (+11)
0.4166%0.25%0.21%130/163 (-4)

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 allotted equity shares, raising paid-up capital to Rs 49,35,76,358

Aye Finance Limited has allotted 2,513 equity shares at a face value of Rs 2 each to eligible grantees under its Employee Stock Option Plan 2020, according to a filing with the BSE Limited and National Stock Exchange of India Limited on September 16, 2026, increasing the company’s paid-up share capital to Rs 49,35,76,358.

4 days agoCapital Market - Live
Corporate
Corporate
Aye Finance appoints Anuj Jain as Company Secretary, effective August 2026

Aye Finance Limited, formerly Aye Finance Private Limited, announced the appointment of Mr. Anuj Jain as Company Secretary, Compliance Officer, and Chief Compliance Officer, effective August 26, 2026. The Board of Directors designated Mr. Jain as a Key Managerial Personnel and Senior Management Personnel, following a recommendation from the Nomination and Remuneration Committee.

3 weeks agoCapital Market - Live
Corporate
Corporate
Aye Finance appoints Anuj Jain as Company Secretary, effective August 2026

Aye Finance Limited, formerly Aye Finance Private Limited, announced the appointment of Anuj Jain as Company Secretary, Compliance Officer, and Chief Compliance Officer, effective August 26, 2026. The Board of Directors designated Jain as a Key Managerial Personnel and Senior Management Personnel, following a recommendation from the Nomination and Remuneration Committee.

3 weeks agoCapital Market - Live
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 month 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.

1 month 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.

1 month 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

1 month 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.

2 months 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.

2 months 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.

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. The share price of AYE as on 18th September 2026 is ₹185.72. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Aye Finance Ltd (AYE) share are
    • Past 1 week: 5.12%
    • Past 1 month: 8.63%
    • Past 3 months: 13.90%
    • Past 6 months: 69.55%
    • Past 1 year: 44.07%
    • Past 3 years: N/A%
    • Past 5 years: 44.07%

  3. 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 ₹4549.70 Cr as of 18th September 2026.

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

  5. The P/E (price-to-earnings) ratio of Aye Finance Ltd (AYE) is 23.50. The P/B (price-to-book) ratio is 1.80.

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

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