AYE

Aye Finance Limited

NBFC providing business loans to micro-scale MSMEs in India

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

ayefin.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹153.28
Market cap
3,781 Cr
Stock P/E
19.4 · FY26
P/B
1.48
ROE (FY26)
7.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Aye Finance is a non-banking financial company that lends small business loans to micro-scale enterprises across India, mostly traders, manufacturers and service businesses that banks and larger lenders find hard to underwrite.

Company snapshot

25thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2025Mar 2026Jun 2026
Net Interest Income253 Cr306 Cr322 Cr
Other income12 Cr17 Cr12 Cr
Net operating income265 Cr322 Cr334 Cr
Employee cost123 Cr135 Cr139 Cr
Other expenses42 Cr47 Cr36 Cr
Provisions & contingencies———
Depreciation7 Cr8 Cr6 Cr
Profit before tax54 Cr111 Cr97 Cr
Tax %20.9%22.5%23.3%
Net profit43 Cr86 Cr75 Cr
EPS (₹)₹2.22₹3.89₹3.02

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———1,033 CrSign in free for the trailing twelve months
Other income20 Cr32 Cr45 Cr49 CrSign in free for the trailing twelve months
Net operating income20 Cr32 Cr45 Cr1,082 CrSign in free for the trailing twelve months
Employee cost212 Cr275 Cr380 Cr495 CrSign in free for the trailing twelve months
Other expenses70 Cr90 Cr118 Cr158 CrSign in free for the trailing twelve months
Provisions & contingencies————Sign in free for the trailing twelve months
Depreciation11 Cr15 Cr22 Cr26 CrSign in free for the trailing twelve months
Profit before tax71 Cr228 Cr225 Cr247 CrSign in free for the trailing twelve months
Tax %44.2%24.7%22.1%21.7%Sign in free for the trailing twelve months
Net profit40 Cr172 Cr175 Cr194 CrSign in free for the trailing twelve months
EPS (₹)₹2.57₹10.62₹9.51₹9.73Sign in free for the trailing twelve months
Dividend payout %———0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2023Mar 2024Mar 2025Mar 2026
Equity capital30 Cr40 Cr38 Cr49 Cr
Reserves724 Cr1,193 Cr1,621 Cr2,484 Cr
Borrowings2,296 Cr3,499 Cr4,526 Cr5,018 Cr
Other liabilities75 Cr138 Cr153 Cr223 Cr
Total liabilities3,126 Cr4,870 Cr6,339 Cr7,773 Cr
Fixed assets (net)5 Cr9 Cr12 Cr12 Cr
CWIP———0 Cr
Investments84 Cr11 Cr42 Cr158 Cr
Loans & advances———6,266 Cr
Cash & bank273 Cr527 Cr931 Cr620 Cr
Other assets2,763 Cr4,323 Cr5,354 Cr716 Cr
Total assets3,126 Cr4,870 Cr6,339 Cr7,773 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-720 Cr-1,323 Cr-812 Cr-1,355 Cr
Cash from investing78 Cr83 Cr-39 Cr-125 Cr
Cash from financing762 Cr1,494 Cr1,255 Cr1,169 Cr
Net cash flow120 Cr254 Cr405 Cr-311 Cr
Free cash flow (OCF − Capex)-725 Cr-1,334 Cr-829 Cr-1,366 Cr

Ratios

MetricMar 2023Mar 2024Mar 2025Mar 2026
ROE %5.3%13.9%10.6%7.6%
Debt / equity3.042.842.731.98