Aye Finance Ltd

NSE: AYE BSE: 544699Banking

Incorporated in 1993, Aye Finance Limited is an NBFC offers secured and unsecured small business loans for working capital, including mortgage loans, Property Loans, secured and unsecured hypothecation loans, primarily to micro-scale MSMEs.[1]

₹127

52W: ₹88.2 — ₹162

PE 16.2 · Book ₹103 · +23% vs book

Market Cap₹3,128 Cr

Stock P/E16.2Price to Earnings

ROCE11.3%Return on Capital

ROE9.24%Return on Equity

Div. Yield0%Face Value ₹2

Strengths

+Company has delivered good profit growth of 62.9% CAGR over last 5 years

Weaknesses

−Though the company is reporting repeated profits, it is not paying out dividend
−Company has low interest coverage ratio.
−Company has a low return on equity of 11.7% over last 3 years.

Shareholding Pattern

Promoters0%

FIIs18.66%

DIIs18.39%

Public62.02%

Category	Mar 2026
Promoters	0%
FIIs	18.66%
DIIs	18.39%
Public	62.02%

Financial Statements

Metric	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Sales	0	0	0	0	0	0
Expenses	219	240	244	266	253	292
Operating Profit	0	0	0	0	0	0
OPM %	0%	0%	0%	0%	0%	0%
Net Profit	23	41	31	35	43	86
EPS ₹	1.19	2.12	1.6	1.8	2.22	3.48

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Margin & Efficiency

ROCE improving from 0% (Mar 2021) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 16.2x with 11.3% ROCE. Price is 23% above book value of ₹103. Dividend yield: 0%.