Price
Financials
Standalone, Rs crore| Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 361 | 409 | 405 | 437 | 443 | 515 | 477 |
| Interest | 115 | 123 | 126 | 133 | 141 | 135 | 131 |
| Expenses | 219 | 240 | 242 | 266 | 253 | 279 | 256 |
| Financing Profit | 27 | 46 | 37 | 38 | 49 | 102 | 91 |
| Financing Margin % | 7% | 11% | 9% | 9% | 11% | 20% | 19% |
| Other Income | 9 | 11 | 9 | 10 | 12 | 17 | 12 |
| Depreciation | 6 | 6 | 5 | 6 | 7 | 8 | 6 |
| Profit before tax | 30 | 50 | 41 | 42 | 54 | 111 | 97 |
| Tax % | 25% | 19% | 25% | 17% | 21% | 23% | 23% |
| Net Profit | 23 | 41 | 31 | 35 | 43 | 86 | 74 |
| EPS in Rs | 1.19 | 2.12 | 1.60 | 1.80 | 2.22 | 3.48 | 3.02 |
| Gross NPA % | 3.79% | ||||||
| Net NPA % | 1.31% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Revenue | 495 | 432 | 623 | 1,040 | 1,460 | 1,815 | 1,872 |
| Interest | 236 | 160 | 199 | 329 | 472 | 539 | 538 |
| Expenses | 230 | 341 | 361 | 500 | 786 | 1,051 | 1,054 |
| Financing Profit | 28 | -69 | 63 | 211 | 202 | 225 | 279 |
| Financing Margin % | 6% | -16% | 10% | 20% | 14% | 12% | 15% |
| Other Income | 4 | 12 | 20 | 31 | 45 | 48 | 52 |
| Depreciation | 9 | 10 | 11 | 15 | 22 | 26 | 27 |
| Profit before tax | 23 | -67 | 71 | 228 | 225 | 247 | 304 |
| Tax % | 27% | -32% | 25% | 29% | 24% | 22% | |
| Net Profit | 17 | -46 | 54 | 161 | 171 | 194 | 238 |
| EPS in Rs | 34.97 | -94.65 | 111.35 | 333.57 | 8.93 | 7.85 | 10.52 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 30% | 43% | 24% | ||
| Compounded Profit Growth | % | 63% | 53% | 13% | ||
| Stock Price CAGR | % | % | % | % | ||
| Return on Equity | % | 9% | 12% | 9% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 4 | 4 | 4 | 4 | 38 | 49 |
| Reserves | 716 | 676 | 738 | 1,196 | 1,621 | 2,484 |
| Borrowing | 1,363 | 1,570 | 2,347 | 3,558 | 4,555 | 5,065 |
| Other Liabilities | 43 | 66 | 51 | 114 | 125 | 175 |
| Total Liabilities | 2,127 | 2,316 | 3,140 | 4,873 | 6,338 | 7,773 |
| Fixed Assets | 27 | 27 | 27 | 32 | 41 | 62 |
| CWIP | 0 | 0 | 0 | 3 | 4 | 0 |
| Investments | 198 | 155 | 84 | 11 | 42 | 158 |
| Other Assets | 1,902 | 2,134 | 3,028 | 4,828 | 6,252 | 7,553 |
| Total Assets | 2,127 | 2,316 | 3,140 | 4,873 | 6,338 | 7,773 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity | 125 | -279 | -720 | -1,323 | -812 | -1,355 |
| Cash from Investing Activity | -190 | 46 | 78 | 83 | -39 | -125 |
| Cash from Financing Activity | 72 | 207 | 762 | 1,494 | 1,255 | 1,169 |
| Net Cash Flow | 7 | -27 | 120 | 254 | 405 | -311 |
| Free Cash Flow | 122 | -285 | -724 | -1,334 | -829 | -1,366 |
| CFO/OP | 50% | -306% | -271% | -231% | -110% | -171% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 2% | -7% | 8% | 17% | 12% | 9% |
| Mar 2026 | Jun 2026 | |
|---|---|---|
| FIIs | 18.66% | 15.70% |
| DIIs | 18.39% | 19.75% |
| Public | 62.02% | 63.81% |
| Others | 0.93% | 0.73% |
| No. of Shareholders | 25,687 | 21,230 |
Fundamentals
Market Cap₹ 3,937 Cr.
Current Price₹ 160
Stock P/E16.6
Book Value₹ 103
ROCE11.4 %
ROE9.24 %
Dividend Yield0.00 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)24%
Compounded Profit Growth (TTM)13%
Standalone figures.
Valuation
Market capRs 4,026 Cr
Enterprise valueRs 5,219 Cr
P/E (TTM)31.31x
Price to book5.92x
Price to sales2.50x
EV / EBITDA7.62x
EV / EBIT7.89x
EV / sales3.24x
Earnings yield3.19%
Profitability
Operating margin (excl. other income)20.97%
Operating margin (incl. other income)23.64%
EBITDA margin42.48%
Pre-tax margin10.14%
Net profit margin7.98%
Net margin, latest quarter7.91%
ROE-6.53%
ROCE4.25%
ROA-2.06%
ROIC (approx.)23.94%
Tax rate32.18%
Other income / net worth1.70%
Growth
Sales growth (latest year)-12.79%
Profit growth (latest year)-370.69%
Sales growth QoQ7.67%
Profit growth QoQ12.88%
Per share
EPS (TTM)Rs 5.22
EPS (latest year)Rs -107.07
EPS (latest quarter)Rs 1.40
Book value per shareRs 27.57
Sales per shareRs 65.39
Cash flow per shareRs -11.33
Free cash flow per shareRs -55.41
Efficiency
Asset turnover0.19x
Fixed asset turnover16.16x
Leverage
Total debtRs 1,570 Cr
Cash and bankRs 377 Cr
Net debtRs 1,193 Cr
Debt to equity2.31x
Net debt / EBITDA1.74x
Interest coverage1.33x
Owners' fund to total sources29.35%
Debt to assets67.79%
Cash flow
Cash from Operating Activity (latest year)Rs -279 Cr
Cash from Investing Activity (latest year)Rs 46 Cr
Cash from Financing Activity (latest year)Rs 207 Cr
Net Cash Flow (latest year)Rs -27 Cr
Free cash flow (latest year)Rs -1,366 Cr
FCFE (approx.: FCF + change in debt)Rs -1,159 Cr
Cash from ops / profit, 5 years-8.41x
Statement figures
Net sales (TTM)Rs 1,612 Cr
Net sales (latest year)Rs 432 Cr
Sales (latest quarter)Rs 437 Cr
Operating profit excl. other income (latest year)Rs 91 Cr
Operating profit (latest quarter)Rs 170 Cr
Other income (TTM)Rs 40 Cr
EBITDA (TTM)Rs 685 Cr
PBDT (TTM)Rs 187 Cr
Profit before tax (TTM)Rs 163 Cr
Tax (latest year)Rs -22 Cr
Net profit (TTM)Rs 129 Cr
Net profit (latest year)Rs -46 Cr
Net profit (latest quarter)Rs 35 Cr
Depreciation (TTM)Rs 24 Cr
Depreciation (latest quarter)Rs 6 Cr
Interest (TTM)Rs 498 Cr
Cost of goods sold (latest year)Rs 5 Cr
Total expenditure (latest year)Rs 341 Cr
Total income (latest year)Rs 443 Cr
Share capitalRs 4 Cr
ReservesRs 676 Cr
Shareholders' fundsRs 680 Cr
Total assetsRs 2,316 Cr
Net blockRs 27 Cr
Capital work in progressRs 0 Cr
InvestmentsRs 155 Cr
Other liabilitiesRs 66 Cr
Shares outstanding (crore)24.65
Computed by MarketFriction from the standalone statements. Returns use average balances.
Not enough history to build valuation bands (needs two years of profits and prices).
| Period | AYE | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -5.1% | -2.8% | -2.3 pts |
| 1 month | -4.9% | -6.8% | +1.9 pts |
| 3 months | -7.3% | -7.6% | +0.4 pts |
| 6 months | +71.6% | +0.4% | +71.2 pts |
13 mutual fund schemes hold about ₹286 Cr.
Over three months 10 bought more and 3 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| Nippon India Banking & Financial Services Fund | 2.46% | 195 | +29% |
| WOC Flexi Cap Fund | 0.26% | 24 | +530% |
| WOC Special Opp Fund | 1.02% | 20 | +39% |
| WOC Mid Cap Fund | 0.25% | 19 | +565% |
| WOC Multi Cap Fund | 0.34% | 14 | +760% |
| WOC Banking & Financial Services Fund | 1.51% | 10 | +76% |
| WOC ELSS Tax Saver Fund | 0.39% | 2 | +975% |
| Groww Banking & Financial Services Fund | 1.69% | 2 | +100% |
| WOC Aggressive Hybrid Fund | 0.24% | 1 | +100% |
| WOC Balanced Hybrid Fund | 0.20% | 1 | +100% |
| Bank of India Small Cap Fund | 0.00% | 0 | -100% |
| Bank of India Banking & Financial Services Fund | 0.00% | 0 | -100% |
| Bank of India Aggressive Hybrid Fund | 0.00% | 0 | -100% |
Red flags
F-score 1 of 8| explain | High accruals Profit exceeded operating cash by 10% of total assets in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹477 Cr +17.8% vs Jun 2025.
Net profit ₹74 Cr +138.7%.
Against our estimate for Jun 2026: sales -5.3%, profit +65.9%. Our estimate for Sep 2026: sales Rs 532 Cr, profit Rs 67 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
High low price variation greater than 100perc in previous 6 months
Quick answers
What is the market cap of Aye Finance Ltd?
Aye Finance Ltd (AYE) has a market capitalisation of Rs 3,937 Cr. at the 2026-10-01 close.
What is the P/E ratio of Aye Finance Ltd?
Aye Finance Ltd trades at a P/E of 16.6 on trailing twelve-month profit, at the 2026-10-01 close.
What were Aye Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, Aye Finance Ltd revenue was Rs 477 Cr (+17.8% vs Jun 2025) and net profit was Rs 74 Cr.
What is the 52-week high and low of Aye Finance Ltd?
The 52-week high is Rs 197.29 and the 52-week low is Rs 88.22.