AYE Finance Ltd.

•

₹ 170.020.19%

2026-08-21

ayefin.comBSE: 544699NSE: AYE

Market Cap₹ 4,208 Cr.

Current Price₹ 170

High / Low₹ 197 / 88

Stock P/E0.0

Book Value₹ 104

Price to Book0.93

Dividend Yield0.00 %

ROCE11.4 %

ROE9.4 %

Face Value₹ 2

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ABOUT

KEY POINTS

PROS

Company has delivered good profit growth of 62.9% CAGR over last 5 years
Comfortable capital adequacy - CAR of 42.2%
Solid return on assets for a lender - ROA of 2.8%
Latest quarter profit grew 83.0% YoY, showing strong momentum
Company has delivered good sales growth of 29.7% CAGR over last 5 years

CONS

Net NPA is elevated at 1.8% - provisioning cushion is thin
Equity base is being diluted - shares outstanding up 1044.9%
Free cash flow has been persistently negative
Operating margins have contracted to 42.1% from 45.2%
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJFINANCE	1078.60	33.07	671531.43	0.56	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1104.90	22.97	259981.15	0.98	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	242.70	77.55	160258.25	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1866.25	27.72	159390.07	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	365.15	28.68	155001.39	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11322.85	14.23	126015.97	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2859.20	10.09	114787.87	1.05	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.75	26.46	108592.29	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.80	78940.44	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	626.30	0.00	59601.37	0.40	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	681.15	26.00	56579.31	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	AYE	170.50	0.00	4207.70	0.00	74.50	83.05	477.37	16.68	11.45	46.43

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026	Jun 2026
	361	409	405	443	528	477
	219	240	374	253	292	393
Operating Profit	—	—	—	—	—	—
OPM %	—	—	—	—	—	—
Other Income	9	11	9	12	17	12
Interest	115	123	126	141	135	131
Depreciation	6	6	5	7	8	6
	30	50	41	54	111	97
Tax %	25.22%	19.33%	25.19%	20.88%	22.52%	23.31%
Net Profit	23	41	31	43	86	74
	1	2	0	2	4	0
Equity Capital	38	38	38	38	49	49
Reserves	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Equity Capital	38	38	38	38	49	49
Reserves	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Dec 2024

: 361
: 219
Operating Profit: —
OPM %: —
Other Income: 9
Interest: 115
Depreciation: 6
: 30
Tax %: 25.22%
Net Profit: 23
: 1
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2025

: 409
: 240
Operating Profit: —
OPM %: —
Other Income: 11
Interest: 123
Depreciation: 6
: 50
Tax %: 19.33%
Net Profit: 41
: 2
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2025

: 405
: 374
Operating Profit: —
OPM %: —
Other Income: 9
Interest: 126
Depreciation: 5
: 41
Tax %: 25.19%
Net Profit: 31
: 0
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2025

: 443
: 253
Operating Profit: —
OPM %: —
Other Income: 12
Interest: 141
Depreciation: 7
: 54
Tax %: 20.88%
Net Profit: 43
: 2
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 38
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2026

: 528
: 292
Operating Profit: —
OPM %: —
Other Income: 17
Interest: 135
Depreciation: 8
: 111
Tax %: 22.52%
Net Profit: 86
: 4
Equity Capital: 49
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 49
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2026

: 477
: 393
Operating Profit: —
OPM %: —
Other Income: 12
Interest: 131
Depreciation: 6
: 97
Tax %: 23.31%
Net Profit: 74
: 0
Equity Capital: 49
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 49
Reserves: 0
Promoter Pledge %: 0.00%

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	24	80	210	412	495	432	623	1,040	1,460	1,815	1,854
	22	49	110	224	230	341	361	501	786	1,051	1,312
Operating Profit	4	33	108	189	269	102	282	571	719	812	—
OPM %	17	41	52	46	54	24	45	55	49	45	—
Other Income	2	2	8	1	4	12	20	32	45	49	50
Interest	11	30	73	141	236	160	199	329	472	539	532
Depreciation	0	1	2	8	9	10	11	15	22	26	26
	-7	2	32	40	23	-67	71	228	225	247	303
Tax %	0	0	22	19	27	24	39	25	24	22	23
Net Profit	-7	2	25	32	17	-51	44	172	171	194	234
EPS	0	0	0	12	6	-3	3	402	9	8	—
Dividend Payout %	0	0	0	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	-3	1	12	15	8	-24	21	80	9	8	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	-3	1	12	15	8	-24	21	80	9	8	—

Mar 2017

: 24
: 22
Operating Profit: 4
OPM %: 17
Other Income: 2
Interest: 11
Depreciation: 0
: -7
Tax %: 0
Net Profit: -7
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -3
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -3

Mar 2018

: 80
: 49
Operating Profit: 33
OPM %: 41
Other Income: 2
Interest: 30
Depreciation: 1
: 2
Tax %: 0
Net Profit: 2
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 1
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 1

Mar 2019

: 210
: 110
Operating Profit: 108
OPM %: 52
Other Income: 8
Interest: 73
Depreciation: 2
: 32
Tax %: 22
Net Profit: 25
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 12
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 12

Mar 2020

: 412
: 224
Operating Profit: 189
OPM %: 46
Other Income: 1
Interest: 141
Depreciation: 8
: 40
Tax %: 19
Net Profit: 32
EPS: 12
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 15
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 15

Mar 2021

: 495
: 230
Operating Profit: 269
OPM %: 54
Other Income: 4
Interest: 236
Depreciation: 9
: 23
Tax %: 27
Net Profit: 17
EPS: 6
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8

Mar 2022

: 432
: 341
Operating Profit: 102
OPM %: 24
Other Income: 12
Interest: 160
Depreciation: 10
: -67
Tax %: 24
Net Profit: -51
EPS: -3
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -24
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -24

Mar 2023

: 623
: 361
Operating Profit: 282
OPM %: 45
Other Income: 20
Interest: 199
Depreciation: 11
: 71
Tax %: 39
Net Profit: 44
EPS: 3
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 21
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 21

Mar 2024

: 1,040
: 501
Operating Profit: 571
OPM %: 55
Other Income: 32
Interest: 329
Depreciation: 15
: 228
Tax %: 25
Net Profit: 172
EPS: 402
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 80
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 80

Mar 2025

: 1,460
: 786
Operating Profit: 719
OPM %: 49
Other Income: 45
Interest: 472
Depreciation: 22
: 225
Tax %: 24
Net Profit: 171
EPS: 9
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 9
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 9

Mar 2026

: 1,815
: 1,051
Operating Profit: 812
OPM %: 45
Other Income: 49
Interest: 539
Depreciation: 26
: 247
Tax %: 22
Net Profit: 194
EPS: 8
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8

TTM

: 1,854
: 1,312
Operating Profit: —
OPM %: —
Other Income: 50
Interest: 532
Depreciation: 26
: 303
Tax %: 23
Net Profit: 234
EPS: —
Dividend Payout %: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —

COMPOUNDED SALES GROWTH

10 Years:: 80%
5 Years:: 30%
3 Years:: 43%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 63%
3 Years:: 64%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 4%
5 Years:: 8%
3 Years:: 13%
Last Year:: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
	4	4	4	4	4	4	4	4	38	49
	71	73	468	485	709	663	710	1,174	1,589	2,447
	0	6	16	14	0	15	43	5	2,209	2,430
Trade Payables	2	4	10	16	0	0	0	0	0	0
	85	427	774	1,486	1,382	1,586	2,343	3,646	2,441	2,794
Total Liabilities	163	515	1,272	2,006	2,095	2,268	3,100	4,829	6,277	7,720
ASSETS	-	-	-	-	-	-	-	-	-	-
	1	2	4	18	27	27	27	32	41	62
Capital Work in Progress	1	1	0	1	0	0	0	0	0	0
	11	41	68	0	198	155	84	11	42	158
Cash & Bank	14	25	156	228	347	377	394	730	1,108	965
	137	446	1,044	1,759	1,523	1,709	2,594	4,057	5,087	6,535
Total Assets	163	515	1,272	2,006	2,095	2,268	3,100	4,829	6,277	7,720
Total Debt	71	399	708	1,389	1,314	1,521	2,296	3,499	4,526	5,018
Net Working Capital	68	182	558	1,855	2,046	2,172	2,990	4,690	-1,133	-1,336
Contingent Liabilities	0	9	17	0	0	2	2	2	13	16
Book Value per Share	175.90	181.02	1104.85	1146.89	1669.95	1563.39	1673.06	2759.18	86.12	102.07
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	2.00	2.00
Total Debt	71	399	708	1,389	1,314	1,521	2,296	3,499	4,526	5,018
Net Working Capital	68	182	558	1,855	2,046	2,172	2,990	4,690	-1,133	-1,336
Contingent Liabilities	0	9	17	0	0	2	2	2	13	16
Book Value per Share	175.90	181.02	1104.85	1146.89	1669.95	1563.39	1673.06	2759.18	86.12	102.07
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	2.00	2.00

Mar 2017

: 4
: 71
: 0
Trade Payables: 2
: 85
Total Liabilities: 163
: 1
Capital Work in Progress: 1
: 11
Cash & Bank: 14
: 137
Total Assets: 163
Total Debt: 71
Net Working Capital: 68
Contingent Liabilities: 0
Book Value per Share: 175.90
Face Value: 10.00
Total Debt: 71
Net Working Capital: 68
Contingent Liabilities: 0
Book Value per Share: 175.90
Face Value: 10.00

Mar 2018

: 4
: 73
: 6
Trade Payables: 4
: 427
Total Liabilities: 515
: 2
Capital Work in Progress: 1
: 41
Cash & Bank: 25
: 446
Total Assets: 515
Total Debt: 399
Net Working Capital: 182
Contingent Liabilities: 9
Book Value per Share: 181.02
Face Value: 10.00
Total Debt: 399
Net Working Capital: 182
Contingent Liabilities: 9
Book Value per Share: 181.02
Face Value: 10.00

Mar 2019

: 4
: 468
: 16
Trade Payables: 10
: 774
Total Liabilities: 1,272
: 4
Capital Work in Progress: 0
: 68
Cash & Bank: 156
: 1,044
Total Assets: 1,272
Total Debt: 708
Net Working Capital: 558
Contingent Liabilities: 17
Book Value per Share: 1104.85
Face Value: 10.00
Total Debt: 708
Net Working Capital: 558
Contingent Liabilities: 17
Book Value per Share: 1104.85
Face Value: 10.00

Mar 2020

: 4
: 485
: 14
Trade Payables: 16
: 1,486
Total Liabilities: 2,006
: 18
Capital Work in Progress: 1
: 0
Cash & Bank: 228
: 1,759
Total Assets: 2,006
Total Debt: 1,389
Net Working Capital: 1,855
Contingent Liabilities: 0
Book Value per Share: 1146.89
Face Value: 10.00
Total Debt: 1,389
Net Working Capital: 1,855
Contingent Liabilities: 0
Book Value per Share: 1146.89
Face Value: 10.00

Mar 2021

: 4
: 709
: 0
Trade Payables: 0
: 1,382
Total Liabilities: 2,095
: 27
Capital Work in Progress: 0
: 198
Cash & Bank: 347
: 1,523
Total Assets: 2,095
Total Debt: 1,314
Net Working Capital: 2,046
Contingent Liabilities: 0
Book Value per Share: 1669.95
Face Value: 10.00
Total Debt: 1,314
Net Working Capital: 2,046
Contingent Liabilities: 0
Book Value per Share: 1669.95
Face Value: 10.00

Mar 2022

: 4
: 663
: 15
Trade Payables: 0
: 1,586
Total Liabilities: 2,268
: 27
Capital Work in Progress: 0
: 155
Cash & Bank: 377
: 1,709
Total Assets: 2,268
Total Debt: 1,521
Net Working Capital: 2,172
Contingent Liabilities: 2
Book Value per Share: 1563.39
Face Value: 10.00
Total Debt: 1,521
Net Working Capital: 2,172
Contingent Liabilities: 2
Book Value per Share: 1563.39
Face Value: 10.00

Mar 2023

: 4
: 710
: 43
Trade Payables: 0
: 2,343
Total Liabilities: 3,100
: 27
Capital Work in Progress: 0
: 84
Cash & Bank: 394
: 2,594
Total Assets: 3,100
Total Debt: 2,296
Net Working Capital: 2,990
Contingent Liabilities: 2
Book Value per Share: 1673.06
Face Value: 10.00
Total Debt: 2,296
Net Working Capital: 2,990
Contingent Liabilities: 2
Book Value per Share: 1673.06
Face Value: 10.00

Mar 2024

: 4
: 1,174
: 5
Trade Payables: 0
: 3,646
Total Liabilities: 4,829
: 32
Capital Work in Progress: 0
: 11
Cash & Bank: 730
: 4,057
Total Assets: 4,829
Total Debt: 3,499
Net Working Capital: 4,690
Contingent Liabilities: 2
Book Value per Share: 2759.18
Face Value: 10.00
Total Debt: 3,499
Net Working Capital: 4,690
Contingent Liabilities: 2
Book Value per Share: 2759.18
Face Value: 10.00

Mar 2025

: 38
: 1,589
: 2,209
Trade Payables: 0
: 2,441
Total Liabilities: 6,277
: 41
Capital Work in Progress: 0
: 42
Cash & Bank: 1,108
: 5,087
Total Assets: 6,277
Total Debt: 4,526
Net Working Capital: -1,133
Contingent Liabilities: 13
Book Value per Share: 86.12
Face Value: 2.00
Total Debt: 4,526
Net Working Capital: -1,133
Contingent Liabilities: 13
Book Value per Share: 86.12
Face Value: 2.00

Mar 2026

: 49
: 2,447
: 2,430
Trade Payables: 0
: 2,794
Total Liabilities: 7,720
: 62
Capital Work in Progress: 0
: 158
Cash & Bank: 965
: 6,535
Total Assets: 7,720
Total Debt: 5,018
Net Working Capital: -1,336
Contingent Liabilities: 16
Book Value per Share: 102.07
Face Value: 2.00
Total Debt: 5,018
Net Working Capital: -1,336
Contingent Liabilities: 16
Book Value per Share: 102.07
Face Value: 2.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-110	-262	-472	-520	125	-272	-720	-1,323	-812	-1,355
Cash from Investing	-5	-41	-26	42	-190	46	78	83	-39	-125
Cash from Financing	106	304	627	510	72	200	762	1,494	1,255	1,169
	-9	0	129	32	7	-27	120	254	405	-311
Free Cash Flow	-112	-265	-475	-537	113	-281	-732	-1,342	-812	-1,399
OCF / Net Profit	15.34	-114.05	-18.81	-16.06	7.41	5.29	-16.43	-7.71	-4.74	-7.00
Cumulative 5-Year FCF	0	0	0	0	-1,276	-1,445	-1,912	-2,778	-3,053	-4,565
OCF / Net Profit	15.34	-114.05	-18.81	-16.06	7.41	5.29	-16.43	-7.71	-4.74	-7.00
Cumulative 5-Year FCF	0	0	0	0	-1,276	-1,445	-1,912	-2,778	-3,053	-4,565

Mar 2017

: -110
Cash from Investing: -5
Cash from Financing: 106
: -9
Free Cash Flow: -112
OCF / Net Profit: 15.34
Cumulative 5-Year FCF: 0
OCF / Net Profit: 15.34
Cumulative 5-Year FCF: 0

Mar 2018

: -262
Cash from Investing: -41
Cash from Financing: 304
: 0
Free Cash Flow: -265
OCF / Net Profit: -114.05
Cumulative 5-Year FCF: 0
OCF / Net Profit: -114.05
Cumulative 5-Year FCF: 0

Mar 2019

: -472
Cash from Investing: -26
Cash from Financing: 627
: 129
Free Cash Flow: -475
OCF / Net Profit: -18.81
Cumulative 5-Year FCF: 0
OCF / Net Profit: -18.81
Cumulative 5-Year FCF: 0

Mar 2020

: -520
Cash from Investing: 42
Cash from Financing: 510
: 32
Free Cash Flow: -537
OCF / Net Profit: -16.06
Cumulative 5-Year FCF: 0
OCF / Net Profit: -16.06
Cumulative 5-Year FCF: 0

Mar 2021

: 125
Cash from Investing: -190
Cash from Financing: 72
: 7
Free Cash Flow: 113
OCF / Net Profit: 7.41
Cumulative 5-Year FCF: -1,276
OCF / Net Profit: 7.41
Cumulative 5-Year FCF: -1,276

Mar 2022

: -272
Cash from Investing: 46
Cash from Financing: 200
: -27
Free Cash Flow: -281
OCF / Net Profit: 5.29
Cumulative 5-Year FCF: -1,445
OCF / Net Profit: 5.29
Cumulative 5-Year FCF: -1,445

Mar 2023

: -720
Cash from Investing: 78
Cash from Financing: 762
: 120
Free Cash Flow: -732
OCF / Net Profit: -16.43
Cumulative 5-Year FCF: -1,912
OCF / Net Profit: -16.43
Cumulative 5-Year FCF: -1,912

Mar 2024

: -1,323
Cash from Investing: 83
Cash from Financing: 1,494
: 254
Free Cash Flow: -1,342
OCF / Net Profit: -7.71
Cumulative 5-Year FCF: -2,778
OCF / Net Profit: -7.71
Cumulative 5-Year FCF: -2,778

Mar 2025

: -812
Cash from Investing: -39
Cash from Financing: 1,255
: 405
Free Cash Flow: -812
OCF / Net Profit: -4.74
Cumulative 5-Year FCF: -3,053
OCF / Net Profit: -4.74
Cumulative 5-Year FCF: -3,053

Mar 2026

: -1,355
Cash from Investing: -125
Cash from Financing: 1,169
: -311
Free Cash Flow: -1,399
OCF / Net Profit: -7.00
Cumulative 5-Year FCF: -4,565
OCF / Net Profit: -7.00
Cumulative 5-Year FCF: -4,565

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	-16.84	5.39	58.74	75.90	39.56	-120.23	102.68	401.96	9.06	7.92
Book Value (₹)	175.90	181.02	1104.85	1146.89	1669.95	1563.39	1673.06	2759.18	86.12	102.07
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	-3.14	1.48	12.84	18.87	12.26	-19.38	25.90	87.20	10.24	9.00
PROFITABILITY	-	-	-	-	-	-	-	-	-	-
Operating Margin %	16.54%	41.47%	51.53%	45.95%	54.31%	23.64%	45.23%	51.88%	46.14%	42.09%
Net Margin %	-29.37%	2.89%	11.97%	7.87%	3.41%	-11.89%	7.03%	16.50%	11.73%	10.67%
ROE %	-15.75%	3.02%	9.14%	6.74%	2.81%	-7.44%	6.34%	18.14%	12.21%	9.39%
ROCE %	3.25%	9.99%	12.50%	11.66%	13.09%	4.30%	10.25%	14.29%	12.76%	11.45%
	-6.34%	0.68%	2.81%	1.98%	0.82%	-2.35%	1.63%	4.33%	3.08%	2.77%
EFFICIENCY	-	-	-	-	-	-	-	-	-	-
Debtor Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0
FINANCIAL HEALTH	-	-	-	-	-	-	-	-	-	-
Debt to Equity (x)	0.81x	4.49x	1.43x	2.71x	1.78x	2.19x	3.10x	2.88x	2.78x	2.01x
Interest Coverage (x)	0.33x	1.08x	1.44x	1.28x	1.10x	0.58x	1.36x	1.69x	1.48x	1.46x
	2.68x	2.90x	3.86x	15.89x	101.62x	38.45x	42.89x	53.68x	0.51x	0.48x
GROWTH	-	-	-	-	-	-	-	-	-	-
Revenue Growth %	385.91%	225.76%	162.85%	96.43%	20.29%	-12.79%	44.34%	66.86%	40.33%	24.32%
Operating Profit Growth %	476.01%	716.78%	226.66%	75.12%	42.20%	-62.04%	176.15%	102.58%	25.82%	13.02%
Net Profit Growth %	-76.07%	132.01%	989.93%	29.20%	-47.89%	-404.03%	185.40%	291.49%	-0.24%	13.06%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	291.49%	-97.75%	-12.63%
VALUATION	-	-	-	-	-	-	-	-	-	-
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	12.05x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.93x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	4.92x	4.81x	7.86x

Mar 2017

EPS (₹): -16.84
Book Value (₹): 175.90
Dividend per Share (₹): 0.00
Cash EPS (₹): -3.14
Operating Margin %: 16.54%
Net Margin %: -29.37%
ROE %: -15.75%
ROCE %: 3.25%
: -6.34%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.81x
Interest Coverage (x): 0.33x
: 2.68x
Revenue Growth %: 385.91%
Operating Profit Growth %: 476.01%
Net Profit Growth %: -76.07%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2018

EPS (₹): 5.39
Book Value (₹): 181.02
Dividend per Share (₹): 0.00
Cash EPS (₹): 1.48
Operating Margin %: 41.47%
Net Margin %: 2.89%
ROE %: 3.02%
ROCE %: 9.99%
: 0.68%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 4.49x
Interest Coverage (x): 1.08x
: 2.90x
Revenue Growth %: 225.76%
Operating Profit Growth %: 716.78%
Net Profit Growth %: 132.01%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 58.74
Book Value (₹): 1104.85
Dividend per Share (₹): 0.00
Cash EPS (₹): 12.84
Operating Margin %: 51.53%
Net Margin %: 11.97%
ROE %: 9.14%
ROCE %: 12.50%
: 2.81%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.43x
Interest Coverage (x): 1.44x
: 3.86x
Revenue Growth %: 162.85%
Operating Profit Growth %: 226.66%
Net Profit Growth %: 989.93%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2020

EPS (₹): 75.90
Book Value (₹): 1146.89
Dividend per Share (₹): 0.00
Cash EPS (₹): 18.87
Operating Margin %: 45.95%
Net Margin %: 7.87%
ROE %: 6.74%
ROCE %: 11.66%
: 1.98%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.71x
Interest Coverage (x): 1.28x
: 15.89x
Revenue Growth %: 96.43%
Operating Profit Growth %: 75.12%
Net Profit Growth %: 29.20%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2021

EPS (₹): 39.56
Book Value (₹): 1669.95
Dividend per Share (₹): 0.00
Cash EPS (₹): 12.26
Operating Margin %: 54.31%
Net Margin %: 3.41%
ROE %: 2.81%
ROCE %: 13.09%
: 0.82%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.78x
Interest Coverage (x): 1.10x
: 101.62x
Revenue Growth %: 20.29%
Operating Profit Growth %: 42.20%
Net Profit Growth %: -47.89%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2022

EPS (₹): -120.23
Book Value (₹): 1563.39
Dividend per Share (₹): 0.00
Cash EPS (₹): -19.38
Operating Margin %: 23.64%
Net Margin %: -11.89%
ROE %: -7.44%
ROCE %: 4.30%
: -2.35%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.19x
Interest Coverage (x): 0.58x
: 38.45x
Revenue Growth %: -12.79%
Operating Profit Growth %: -62.04%
Net Profit Growth %: -404.03%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2023

EPS (₹): 102.68
Book Value (₹): 1673.06
Dividend per Share (₹): 0.00
Cash EPS (₹): 25.90
Operating Margin %: 45.23%
Net Margin %: 7.03%
ROE %: 6.34%
ROCE %: 10.25%
: 1.63%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 3.10x
Interest Coverage (x): 1.36x
: 42.89x
Revenue Growth %: 44.34%
Operating Profit Growth %: 176.15%
Net Profit Growth %: 185.40%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2024

EPS (₹): 401.96
Book Value (₹): 2759.18
Dividend per Share (₹): 0.00
Cash EPS (₹): 87.20
Operating Margin %: 51.88%
Net Margin %: 16.50%
ROE %: 18.14%
ROCE %: 14.29%
: 4.33%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.88x
Interest Coverage (x): 1.69x
: 53.68x
Revenue Growth %: 66.86%
Operating Profit Growth %: 102.58%
Net Profit Growth %: 291.49%
: 291.49%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 4.92x

Mar 2025

EPS (₹): 9.06
Book Value (₹): 86.12
Dividend per Share (₹): 0.00
Cash EPS (₹): 10.24
Operating Margin %: 46.14%
Net Margin %: 11.73%
ROE %: 12.21%
ROCE %: 12.76%
: 3.08%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.78x
Interest Coverage (x): 1.48x
: 0.51x
Revenue Growth %: 40.33%
Operating Profit Growth %: 25.82%
Net Profit Growth %: -0.24%
: -97.75%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 4.81x

Mar 2026

EPS (₹): 7.92
Book Value (₹): 102.07
Dividend per Share (₹): 0.00
Cash EPS (₹): 9.00
Operating Margin %: 42.09%
Net Margin %: 10.67%
ROE %: 9.39%
ROCE %: 11.45%
: 2.77%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.01x
Interest Coverage (x): 1.46x
: 0.48x
Revenue Growth %: 24.32%
Operating Profit Growth %: 13.02%
Net Profit Growth %: 13.06%
: -12.63%
P/E (x): 12.05x
P/B (x): 0.93x
Dividend Yield %: 0.00%
: 7.86x

Shareholding Pattern

Numbers in percentages

TRADES

	Sep 2018	Sep 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Feb 2026	Mar 2026	Jun 2026
	0.00	0.00	68.28	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	19.04	18.66	15.70
	0.00	0.00	0.00	0.00	0.00	0.00	18.17	18.39	19.75
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	100.00	100.00	31.72	100.00	100.00	100.00	62.79	62.95	64.55

Sep 2018

: 0.00
: 0.00
: 0.00
Government: 0.00
: 100.00

Sep 2019

: 0.00
: 0.00
: 0.00
Government: 0.00
: 100.00

Mar 2020

: 68.28
: 0.00
: 0.00
Government: 0.00
: 31.72

Mar 2021

: 0.00
: 0.00
: 0.00
Government: 0.00
: 100.00

Mar 2022

: 0.00
: 0.00
: 0.00
Government: 0.00
: 100.00

Mar 2023

: 0.00
: 0.00
: 0.00
Government: 0.00
: 100.00

Feb 2026

: 0.00
: 19.04
: 18.17
Government: 0.00
: 62.79

Mar 2026

: 0.00
: 18.66
: 18.39
Government: 0.00
: 62.95

Jun 2026

: 0.00
: 15.70
: 19.75
Government: 0.00
: 64.55

Documents

Announcements

General Updates
2026-08-18 - Pursuant to Regulations 36(1)(b) and 58(1)(b) of SEBI Listing Regulations, the Company has completed the dispatch of letters providing web link and QR Code for accessing the Annual Report for FY 2025-26 to the Shareholders and other person so entitled whose e-mail Ids are not registered
Copy of Newspaper Publication
2026-08-11 - Aye Finance Limited has informed the Exchange about Copy of Newspaper Publication consequent to completion of dispatch of notice of AGM

Annual Reports

Annual Report FY2026
2026

Credit Ratings

Credit Rating- Revision
2026-06-24 - Aye Finance Limited has informed the Exchange about Credit Rating- Revision

Concalls

Jul 2026
Transcript PPTREC
May 2026
Transcript PPTREC
Mar 2026
Transcript PPTREC