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Aye Finance Q1 FY27 Share Price & Earnings Call Analysis

₹134.36+0.84% today
Market cap
₹3,316 Cr
P/E
13.95
ROE
9.24%
PEG
0.25
Price to sales
1.77
Debt to equity
2.00
52W high / low
₹198 / ₹88.2
Sales growth (5Y)
29.66%
EBITDA margin
43.68%
Net profit margin
10.67%
Sales (last year)
₹1,872 Cr

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]

Guidance scorecard · Q1 FY27 call

What Aye Finance's management guided
and where it ranks in Finance

#28of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookWhat management said

RevenueQ1 FY27 call

20–40%
  • Targeting Asset Under Management (AUM) growth of 25% to 30% for FY27 and the medium term.
  • Plans to add roughly 10% new branches annually, supplementing growth by splitting high-AUM branches to deepen market penetration.
  • Current book size INR7,384 crores; with leverage of 4 to 4.5 times, can grow AUM to INR14,000 crores, allowing 2 to 2.5 years before needing additional capital.
  • Expanding presence across 18 states and 3 union territories with robust customer acquisition (44,000 new borrowers added in Q1 FY27, 38% growth YoY).
  • Strong opportunities in under-penetrated micro-enterprise segments (penetration estimated below 2%-3%), plus plans to enter affordable and gold loan segments.

2 more points from Aye Finance's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

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

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • The company plans branch expansion focused on deepening presence in existing markets rather than entering new geographies, expecting to add around 40 to 50 branches this year.
  • Branch expansion includes splitting large branches and adding new ones, with a target of approximately 10% branch addition annually to support 25%-30% growth.
  • New branch investment is not expected to significantly increase opex due to limited manpower addition (~13%-15%) associated with 40 new branches, mainly in Q2 and Q3.
  • Continued investment in technology, analytics, and AI models to enhance underwriting, customer acquisition, and operational efficiency.

2 more points from Aye Finance's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what Aye Finance said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what Aye Finance said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Aye Finance rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Aye Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Aye Finance

Shareholding breakup across reporting periods.

Mar 2026Jun 2026Sep 2026
FIIs +18.66%15.70%18.55%
DIIs +18.39%19.75%23.34%
Public +62.02%63.81%57.39%
Others +0.93%0.73%0.72%
No. of Shareholders25,68721,23021,889

Financials of Aye Finance

Quarterly Results

Quarter-by-quarter operating performance

Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +361409405437443515477514
Interest115123126133141135131145
Expenses +219240242266253279256260
Financing Profit274637384910291110
Financing Margin %7%11%9%9%11%20%19%21%
Other Income +91191012171213
Depreciation66567866
Profit before tax305041425411197116
Tax %25%19%25%17%21%23%23%25%
Net Profit +2341313543867487
EPS in Rs1.192.121.601.802.223.483.023.51
Gross NPA %3.79%
Net NPA %1.31%

Financials of Aye Finance

Profit & Loss

Annual income statement trend

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +4954326231,0401,4601,8151,950
Interest236160199329472539550
Expenses +2303413615007861,0511,048
Financing Profit28-6963211202225351
Financing Margin %6%-16%10%20%14%12%18%
Other Income +4122031454854
Depreciation9101115222628
Profit before tax23-6771228225247378
Tax %27%-32%25%29%24%22%
Net Profit +17-4654161171194290
EPS in Rs6.98-18.8922.2366.588.937.8512.23
Dividend Payout %0%0%0%0%0%0%

Financials of Aye Finance

Balance Sheet

Capital structure and asset base

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital4444384949
Reserves7166767381,1961,6212,4842,646
Borrowing1,3631,5702,3473,5584,5555,0655,905
Other Liabilities +436651114125175174
Total Liabilities2,1272,3163,1404,8736,3387,7738,774
Fixed Assets +27272732416261
CWIP0003400
Investments198155841142158223
Other Assets +1,9022,1343,0284,8286,2527,5538,489
Total Assets2,1272,3163,1404,8736,3387,7738,774

Financials of Aye Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +125-279-720-1,323-812-1,355
Cash from Investing Activity +-190467883-39-125
Cash from Financing Activity +722077621,4941,2551,169
Net Cash Flow7-27120254405-311
Free Cash Flow122-285-724-1,334-829-1,366

Financials of Aye Finance

Ratios

Working capital efficiency and return ratios

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2%-7%8%17%12%9%

Guidance history

How Aye Finance's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlannedPlanned—
Q4 FY26 call →20–40%FlatPlanned——
Q3 FY26 call →20–40%Up 0–2%PlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What Aye Finance's management said in earlier quarters

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