Arthneeti
AF

Aye Finance Ltd

Q2 FY27Finance

Aye Finance Q2 Results 2026 (FY27): Guides 20–40% Revenue Growth, Steady Margins

Q2 FY27 earnings call: what management said on revenue, margins and capex.

Revenue
₹514Cr
+17.6% YoY
Net profit
₹87Cr
+148.6% YoY

What the Q2 FY27 call signalled

3 of 4 strong

RevenueGood growth
MarginMargins steady
CapexCapex planned
FundraiseFundraise planned
Price₹148
Market cap₹3.6K Cr
P/E12.6

The short version

Aye Finance targets a 25% to 30% AUM growth CAGR over the next 3 years, with potential to reach the higher end depending on how the second half of FY27 unfolds. Aye Finance expects continued strong growth, targeting 28% to 33% AUM CAGR over the next 3 years (Page 7).

From Aye Finance Ltd's Q2 FY27 earnings-call transcript · updated 6 Nov 2026.

How did Aye Finance's revenue grow in the September 2026 quarter?

Good growth
  • Aye Finance targets a 25% to 30% AUM growth CAGR over the next 3 years, with potential to reach the higher end depending on how the second half of FY27 unfolds.
  • Disbursements are historically weighted toward the second half of the year, contributing around 60% of annual disbursements, indicating expected volume acceleration.
  • New branch expansions (~35 new branches/year) plus splitting existing branches will support growth, alongside untapped capacity in existing branches for Rs.4,000-4,500 crore AUM growth without heavy infrastructure spend.
  • Repeat loans and new products like gold loans (currently in pilot) are levers to enhance lending volumes and revenue.

2 more points from Aye Finance Ltd's call on revenue

Create a free account to keep reading this call

What happened to Aye Finance's margins in Q2 FY27?

See what Aye Finance Ltd said on profitability & margins — free account, 30 seconds.

What capex is Aye Finance planning?

Capex planned
  • Aye Finance is planning to add approximately 80 branches in the current financial year, including around 40 new branches and the splitting of existing branches to expand presence across various states (Rajasthan, UP, Bihar, Odisha, Punjab, Tamil Nadu, West Bengal, Jharkhand).
  • The branch expansion will involve infrastructure investments but is designed to optimize existing resources (manpower splitting and tapping newer geographies).
  • Existing branch infrastructure has the capacity to support incremental growth of Rs. 4,000 - 4,500 crore over the next few years, minimizing the need for heavy new capital expenditure.
  • Employee additions aligned with branch growth will be around 5-7% in the second half of the year, supporting scaling without disproportionate opex increase.

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Is Aye Finance raising money or cutting debt?

See what Aye Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

How big is Aye Finance's order book?

See what Aye Finance Ltd said on order book & pipeline — free account, 30 seconds.

Continue your research

What Aye Finance's management said in earlier quarters

Others in Finance this season

  • Moneyboxx Finance (Q2 FY27)

    Total income for Q2 FY27: ₹61.02 crore, up 11% YoY from ₹55.06 crore in Q2 FY26 (Page 22). Key investor presentation takeaways from Moneyboxx Finance Ltd's Q2 F

  • Mufin Green (Q2 FY27)

    Interest income: ₹86.18 Cr (up 80.2% vs ₹47.81 Cr in Q2 FY26) . Key investor presentation takeaways from Mufin Green Finance Ltd's Q2 FY27 investor presentation

  • Ugro Capital (Q2 FY27)

    Interest Income: ₹385.5 Cr (+20% YoY vs ₹322.4 Cr in Q2’FY26) . Key investor presentation takeaways from Ugro Capital Ltd's Q2 FY27 investor presentation — and

  • Finkurve Financial Services (Q2 FY27)

    Q2 FY27 Revenue from Operations:** INR 89.93 crore . Key investor presentation takeaways from Finkurve Financial Services Ltd's Q2 FY27 investor presentation —

Compare:vs Bajaj Financevs Bajaj Finservvs Shriram Finance

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Aye Finance Ltd and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Aye Finance Ltd Q2 FY27 results?

Aye Finance targets a 25% to 30% AUM growth CAGR over the next 3 years, with potential to reach the higher end depending on how the second half of FY27 unfolds. Aye Finance expects continued strong growth, targeting 28% to 33% AUM CAGR over the next 3 years (Page 7).

What is Aye Finance Ltd share price analysis?

Aye Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 12.6 with a market cap of ₹3,649 Cr. Investors should review the full earnings analysis for detailed insights.

Is Aye Finance Ltd planning capital expenditure?

Aye Finance is planning to add approximately 80 branches in the current financial year, including around 40 new branches and the splitting of existing branches to expand presence across various states.

Keep Aye Finance Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.