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Latest: Aye Finance Q2 FY27 (Jul–Sep 2026) results →This page is Q4 FY26 (Jan–Mar 2026).
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Aye Finance

Q4 FY26

Aye Finance Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Revenue
₹515Cr
+25.9% YoY
Net profit
₹86Cr
+109.8% YoY
Price₹167
Market cap₹4.2K Cr
P/E17.7

The short version

Aye Finance targets a growth range of 25% to 30% for FY27 in assets under management (AUM), indicating robust sales volume expansion. FY27 growth guidance: 25% to 30% AUM growth expected.

From Aye Finance's Q4 FY26 earnings-call transcript · updated 24 Aug 2026.

Revenue & Sales Performance

  • Aye Finance targets a growth range of 25% to 30% for FY27 in assets under management (AUM), indicating robust sales volume expansion.
  • Disbursements grew 20% YoY in FY26, with strong Q4 momentum (26% sequential growth), signaling continued healthy demand for loans.
  • The company aims to gradually increase mortgage loans from 23% to 30-35% of the portfolio in 2-3 years, reflecting strategic product mix growth.
  • Operating expenses are expected to normalize, supporting improved profitability alongside volume growth.
  • Technology and AI-driven underwriting enhancements are expected to better enable scaling and sustained growth.

2 more points from Aye Finance's call on revenue

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Profitability & Margins

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Capital Expenditure Plans

  • The company has made significant investments in its collections team, increasing manpower by almost 70% last financial year to manage slippages.
  • There was a 30% manpower increase in the mortgage vertical to build capacity.
  • These capacity-building investments have now been made, and going forward, manpower growth is expected to normalize to about 10%.
  • Focus in FY27 will be on "sweating these assets" to improve productivity and reduce operating expenses.

2 more points from Aye Finance's call on capex

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Fundraising & Capital Structure

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Order Book & Pipeline

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What Aye Finance's management said in earlier quarters

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Frequently Asked Questions

What were Aye Finance Q4 FY26 results?

Aye Finance targets a growth range of 25% to 30% for FY27 in assets under management (AUM), indicating robust sales volume expansion. FY27 growth guidance: 25% to 30% AUM growth expected.

What is Aye Finance share price analysis?

Aye Finance currently shows a neutral. The stock trades at a P/E of 17.7 with a market cap of ₹4,196 Cr. Investors should review the full earnings analysis for detailed insights.

Is Aye Finance planning capital expenditure?

The company has made significant investments in its collections team, increasing manpower by almost 70% last financial year to manage slippages.

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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.