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    Finance/Rental/Leasing
Aye Finance Limited

Aye Finance Limited

133.20
INR
-6.75
(-4.82%)
6.80EPS
25.15P/E
42.59BMarket Cap
Mar 03Next Earn
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
16.65
23.55
39.71
54.99
80.83
39.86
Basic EPS, GAAP
-2.08
1.62
6.96
6.94
9.73
6.86
Free Cash Flow per Basic Share
-11.24
-29.37
-54.07
-33.58
-68.66
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
Book Value per Share
28.85
30.86
50.41
67.83
103.58
- -
Tangible Book Value per Share
28.79
30.82
50.24
67.57
103.39
- -
Basic Weighted Avg Shares
247
247
247
247
199
234
Sales/Revenue/Turnover
4,109
5,812
9,801
13,571
16,084
9,319
Operating Margin (%)
34.11
35.57
41.77
40.88
36.23
31.83
Depreciation Expense
100
114
145
222
263
141
Net Income, GAAP
-513
399
1,717
1,713
1,936
1,604
Effective Tax Rate (%)
- -
44.15
24.65
23.88
21.7
22.89
Profit Margin (%)
-12.5
6.86
17.52
12.62
12.04
17.21
Working Capital
6,309
3,788
5,431
12,932
13,623
- -
LT Debt
7,799
8,659
14,441
23,360
26,236
- -
Total Equity
7,054
7,545
12,325
16,584
25,326
- -
Return on Invested Capital (%)
- -
3.06
5.72
4.22
3.57
- -
Return on Capital (%)
- -
3.71
6.61
5.31
4.59
- -
Return on Common Equity (%)
- -
5.46
17.28
11.85
9.24
- -

Capital Structure

INR

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
22,124
24,415
- -
LT Borrowings
30,167
25,881
- -
LT Finance Leases
296
355
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
244
244
247
Market Capitalization
- -
23,325
42,595

Working Capital

INR

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
39,705
39,562
- -
Cash, Cash Equivalents & STI
13,995
11,007
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
23,228
25,939
- -
Payables & Accruals
- -
- -
- -
ST Debt
22,124
24,415
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
52.72%
Free Cash Flow
- -
- -
64.88%
Net Income, GAAP
- -
- -
13.06%
Sales/Revenue/Turnover
- -
- -
18.52%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
3,649
13,571
2026
3,739
3,795
- -
4,597
16,084
2027
4,722
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
1.65
6.94
2026
1.24
1.39
- -
3.89
9.73
2027
3.02
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sanjay Sharma
Full Time Employees
10,346
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Gurugram India
Website
ayefin.com
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Business
Aye Finance Limited is an Indian non-banking financial company (NBFC) providing tailored debt financing solutions and credit facilities to underserved micro, small, and medium enterprises (MSMEs). The company specializes in lending to informal and unorganized micro-enterprises across manufacturing, trading, retail, and service sectors that lack traditional financial documentation. Aye Finance's core product and service offerings comprise hypothecation loans for working capital requirements and inventory financing; mortgage loans and loans against property for long-term business expansion, machinery acquisition, and premises construction; quasi-mortgage credit facilities secured by non-standard or informal property documentation; top-up and add-on business loans for established borrowers; dairy and livestock financing for rural and allied agricultural enterprises; and integrated digital credit management and repayment services. The company employs a proprietary cluster-based underwriting methodology combined with artificial intelligence-driven risk assessment models and behavioural data analytics to evaluate cash flows and creditworthiness at the regional cluster level. Founded in 2014 and headquartered in Gurugram, Haryana, India, Aye Finance operates an extensive branch network across northern, central, western, and southern India, serving hundreds of thousands of micro-enterprises in tier-2, tier-3, and rural markets. In recent operational developments, the company converted to a public limited entity, secured over INR 310 crore (USD 37 million) in Series F equity funding led by British International Investment with participation from existing investors, raised substantial debt capital from international impact financiers including ResponsAbility Investments and BlueOrchard, expanded its branch footprint across regional enterprise clusters, and deployed enhanced digital onboarding and loan origination platforms to optimize credit delivery.