Aye Finance Limited share price
Aye Finance Limited, a non-banking financial company, provides loans to micro, small, and medium enterprises in India. The company offers a range of business loans for working capital and business expansion needs against hypothecation of working assets or against security of property to customers across manufacturing, trading, service, and allied agriculture sectors. It also provides secured and unsecured hypothecation loan; mortgage and emergency credit line guarantee scheme loans; shakti loans for women-led micro-enterprises; SwitchPe, a supply chain finance platform designed to empower merchants and retailers by providing seamless access to unsecured credit lines through a digital interf…Read more
- Market Cap₹ 3,749 Cr.
- Current Price₹ 153.28
- High / Low₹ 197 / 88
- Stock P/E15.4
- Book Value₹ 115
- Dividend Yield0.00 %
- Price / Book1.34
- ROE9.20 %
- Face Value₹ 2.0
More figures (8)
- EPS (TTM)₹ 9.95
- Net margin12.0 %
- Sales growth (3Y)40.4 %
- Profit growth (3Y)69.3 %
- Promoter holding35.2 %
- EV / EBITDA—
- Beta—
- All-time high₹ 197
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| AYE | -14.90% | -7.75% | +30.86% | — | — | — | — |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Aye Finance Limited is in the Credit Services industry (Financial Services), with a market value of ₹3,749 crore.
- It trades at 15.4 times its last 12 months' earnings and 1.3 times book value.
- Revenue grew 40.4% a year over the last 3 years, profit 69.3% a year.
- Return on equity was 9.2% in the latest year.
- The share price is 22.3% below its 52-week high.
- Promoters and insiders hold about 35.2%; institutions about 47.3%.
Pros
AINo standout strengths in the reported figures.
Cons
AI- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Aye Finance Limited
Aye Finance Limited, a non-banking financial company, provides loans to micro, small, and medium enterprises in India. The company offers a range of business loans for working capital and business expansion needs against hypothecation of working assets or against security of property to customers across manufacturing, trading, service, and allied agriculture sectors. It also provides secured and unsecured hypothecation loan; mortgage and emergency credit line guarantee scheme loans; shakti loans for women-led micro-enterprises; SwitchPe, a supply chain finance platform designed to empower merchants and retailers by providing seamless access to unsecured credit lines through a digital interface; and Saral Property loans, a combination of property collateral and hypothecation of business assets enabling access to credit despite documentation constraints. Aye Finance Limited was incorporat…
- Employees
- 10,346
- Head office
- Gurugram
Peer comparison
Financial ServicesCredit Services
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aye Finance | 153.28 | 15.4 | 3,749 | 0.00 | 75 | — | 477 | — | 7.8 | 9.2 | 1.34 | 36.2 | 2.00 | 35.16 | 1,815 | 40.4 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 5,986 | 27.37 | 14,171 | 21.20 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 49,665 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,547 | 47.13 | 8,404 | 15.31 | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 29,745 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 32 Co. | 328.03 | 15.9 | 31,407 | 0.42 | 2,379 | 38.83 | 7,895 | 21.20 | 3.8 | 13.4 | 1.95 | 33.4 | 4.46 | 56.25 | 26,159 | 17.3 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own past sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
No separate related-party filing among the recent announcements of the company.
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2026 |
|---|---|
| Revenue | 1,815 |
| Interest | 534 |
| 1,082 | |
| Employee Cost % | 27% |
| Credit Cost % | 19% |
| Other Expenses % | 9% |
| Financing Profit | 199 |
| Financing Margin % | 11% |
| Other Income | 49 |
| Depreciation | 26 |
| Profit before tax | 247 |
| 22% | |
| Current tax | 46 |
| Deferred tax | 8 |
| Net Profit | 194 |
| EPS in Rs | 9.73 |
Return on Equity
- 4 Years:
- 11%
- Last Year:
- 9%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 30 | 40 | 38 | 49 |
| Reserves | 724 | 1,193 | 1,621 | 2,484 |
| 2,320 | 3,523 | 4,555 | 5,065 | |
| Long term borrowings | 849 | 1,427 | 2,317 | 2,588 |
| Short term borrowings | 1,448 | 2,072 | 2,209 | 2,430 |
| 51 | 114 | 125 | 175 | |
| Current liabilities | 1,497 | 2,175 | 2,329 | 2,594 |
| Total Liabilities | 3,126 | 4,870 | 6,338 | 7,773 |
| 27 | 30 | 38 | 57 | |
| Gross block | 39 | 47 | 63 | 89 |
| Accumulated depreciation | 13 | 17 | 24 | 31 |
| Goodwill & intangibles | 1 | 4 | 6 | 5 |
| 3,099 | 4,839 | 6,300 | 7,716 | |
| Cash & equivalents | 273 | 527 | 931 | 620 |
| Current assets | 1,876 | 2,718 | 3,622 | 3,956 |
| Total Assets | 3,126 | 4,870 | 6,338 | 7,773 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -720 | -1,323 | -812 | -1,355 | |
| Profit for the year | 40 | 172 | 171 | 194 |
| Working capital changes | -864 | -1,616 | -1,289 | -1,894 |
| Direct taxes paid | -9 | -75 | -71 | -47 |
| 78 | 83 | -39 | -125 | |
| Fixed assets purchased | -4 | -12 | -17 | -12 |
| Fixed assets sold | 0 | 0 | 0 | |
| Investments purchased | -3,744 | -7,189 | -11,174 | -9,489 |
| Investments sold | 3,826 | 7,283 | 11,152 | 9,375 |
| 762 | 1,494 | 1,255 | 1,169 | |
| Proceeds from borrowings | 1,760 | 3,518 | 3,761 | 3,369 |
| Repayment of borrowings | -989 | -2,315 | -2,733 | -2,877 |
| Net Cash Flow | 120 | 254 | 405 | -311 |
| Free Cash Flow | -725 | -1,334 | -829 | -1,366 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| ROE | 5.3% | 17.3% | 11.8% | 9.2% |
| Net margin | 6.9% | 17.5% | 12.6% | 12.0% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- FIIs 15.70%
- DIIs 19.75%
- Public 63.81%
| % | Mar 2026 | Jun 2026 |
|---|---|---|
| 18.66% | 15.70% | |
| Foreign portfolio investors (Cat. I) | 18.66% | 15.67% |
| Foreign portfolio investors (Cat. II) | 0.03% | |
| 18.39% | 19.75% | |
| Mutual funds | 4.89% | 5.59% |
| Insurance companies | 1.61% | 1.85% |
| Alternative investment funds | 11.89% | 12.31% |
| 62.02% | 63.81% | |
| Retail (up to ₹2 lakh) | 2.18% | 2.83% |
| HNIs (above ₹2 lakh) | 2.18% | 2.65% |
| NRIs | 0.19% | 0.24% |
| Bodies corporate | 3.78% | 4.35% |
| No. of Shareholders | 25,687 | 21,230 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Mutual funds & institutions holding Aye Finance
| Holder (above 1%) | Stake |
|---|---|
| A91 Emerging Fund I LlpAIF | 7.18% |
| Nippon Life India Trustee Ltd- A/C Nippon India BaMutual fund | 3.75% |
| Hdfc Life Insurance Company LimitedInsurance | 1.85% |
| Airavat Capital Trust - Airavat Capital Trust IiAIF | 1.49% |
| BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUNDMutual fund · see the fund house | 1.20% |
| Abakkus Four2Eight Opportunities FundAIF | 1.10% |
As named in the shareholding pattern for Jun 2026 filed with NSE; mutual funds together hold 5.59% of the company. Shareholders below 1% are not named in the filing.
Documents
Announcements
- Allotment of SecuritiesAye Finance Limited has informed the Exchange regarding allotment of 69894 securities pursuant to ESOP/ESPS at its meeting held on October 16, 202616-Oct-2026
- ESOP/ESOS/ESPSAye Finance Limited has informed the Exchange regarding Grant of 514 Options.16-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Aye Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201815-Oct-2026
- UpdatesAye Finance Limited has informed the Exchange regarding 'Business Update for the quarter ended September 30, 2026'.08-Oct-2026
- Trading WindowAye Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201528-Sep-2026
- Press ReleaseAye Finance Limited has informed the Exchange regarding a press release dated September 16, 2026, titled "Aye Finance Strengthens Leadership Team with Appointment of Nishit Shriva…16-Sep-2026
- Change in ManagementAye Finance Limited has informed the Exchange about change in Senior Management Personnel16-Sep-2026
- Allotment of SecuritiesAye Finance Limited has informed the Exchange regarding allotment of 2513 securities pursuant to ESOP/ESPS on September 16, 202616-Sep-2026
- Shareholders meetingAye Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on September 01, 2026. Further, the company has informed the Exchange regar…03-Sep-2026
- Shareholders meetingAye Finance Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 01, 202601-Sep-2026
- UpdatesAye Finance Limited has informed the Exchange regarding 'transfer of equity shares from Trust to eligible grantees upon exercise of options granted.'.28-Aug-2026
- UpdatesAye Finance Limited has informed the Exchange regarding 'Intimation under Regulation 30(5) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requir…26-Aug-2026
Annual reports
Credit ratings
Concalls & investor meets
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet12-Oct-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet03-Sep-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet07-Aug-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Transcript30-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Link of Recording23-Jul-2026
- Investor PresentationAye Finance Limited has informed the Exchange about Investor Presentation22-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet15-Jul-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet17-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet04-Jun-2026
- Analysts/Institutional Investor Meet/Con. Call UpdatesAye Finance Limited has informed the Exchange about Schedule of meet21-May-2026
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 1 Jan 1970
- Latest quarter
- 30 Jun 2026
- Financial year end
- 31 Mar 2026
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Latest news
From the company (NSE)
- Allotment of SecuritiesAye Finance Limited has informed the Exchange regarding allotment of 69894 securities pursuant to ESOP/ESPS at its meeting held on October 16, 2026NSE filing · 16-Oct-2026
- ESOP/ESOS/ESPSAye Finance Limited has informed the Exchange regarding Grant of 514 Options.NSE filing · 16-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Aye Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 15-Oct-2026
- UpdatesAye Finance Limited has informed the Exchange regarding 'Business Update for the quarter ended September 30, 2026'.NSE filing · 08-Oct-2026
- Trading WindowAye Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015NSE filing · 28-Sep-2026
- Press ReleaseAye Finance Limited has informed the Exchange regarding a press release dated September 16, 2026, titled "Aye Finance Strengthens Leadership Team with Appointment of Nishit Shriva…NSE filing · 16-Sep-2026
- Change in ManagementAye Finance Limited has informed the Exchange about change in Senior Management PersonnelNSE filing · 16-Sep-2026
- Allotment of SecuritiesAye Finance Limited has informed the Exchange regarding allotment of 2513 securities pursuant to ESOP/ESPS on September 16, 2026NSE filing · 16-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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