| Management target | Revenue 30.0% FY27 |
|---|
| Revenue growth | Gross total income up 23% YoY; AUM up 26% YoY. |
|---|---|
| Margins | NIM at 15.6%, well above guided range of 14.25-14.75%. |
| Demand visibility | Strong constructive demand for working capital across core micro-MSME segments. |
| Management confidence | Balanced and highly confident in meeting full-year guidance targets. |
Growth
AUM grew 26% YoY to ₹7,597 Cr; PAT jumped 151% YoY to ₹87 Cr. Operating leverage improved with Opex ratio down to 8.6%.
Outlook
Targets 25-30% AUM growth for FY27 and 28-33% CAGR over three years. RoA guided at 4-4.5%.
Risks
Drought conditions in Maharashtra, MP, and Karnataka impacting 18% of AUM; potential regulatory caps on insurance commissions.
Last quarter's promises, checked
Delivered
- AUM Growth 25-30% → delivered 26% (= BEAT)
- Credit Cost 3.5-4% → delivered 4.01% (= BEAT)
- Opex Ratio ~8.9% path to 8.25-8.75% → delivered 8.61% (= BEAT)
Partly delivered
- NIM Guidance 14.25-14.75% → delivered 15.6% (= BEAT/Overshot Guidance)
Earnings Call Transcript filed with NSE, NSE: AYE. Summary written with AI assistance from the document.
Aye Finance Ltd: key numbers
- Share price
- ₹133.24
- Market cap
- ₹3,289 Cr
- Revenue (annual)
- ₹1,815 Cr
- Net profit (annual)
- ₹193.6 Cr
- P/E (TTM)
- 11.3×Sector 19.7×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 18.55%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aye Finance Ltd
All →Aye Finance Employee Stock Options
Aye Finance's employee welfare trust transferred 89,501 equity shares to grantees on exercising ESOP options. The share capital remains unchanged, so no new issuance occurs.
Aye Finance Other Announcement
Aye Finance filed a Crisil monitoring report on IPO proceeds for the quarter ended September 2026. It reports no deviation from objects, a routine compliance filing.
Aye Finance Investor Presentation: Key Takeaways
Aye Finance reported robust Q2FY27 results with 24% YoY revenue growth and 151% YoY PAT growth, driven by improved operational efficiency and expanding customer franchise to 6.9 lakh borrowers.
Aye Finance Results Update
Aye Finance reported record quarterly PAT of ₹86.7 Crore in Q2FY27, up 151% YoY. AUM grew to ₹7,597 Crore with credit costs falling to 3.8%.
Aye Finance Q2 FY27 Results: Net Profit ₹86.7 Cr, Up 151.3% YoY
Aye Finance Ltd reported revenue from operations of ₹514.4 Cr (+18.3% YoY) and net profit of ₹86.7 Cr (+151.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹86.7 Cr · +151.3% YoY
Aye Finance Debt & Borrowing: ₹0.99 Cr
Aye Finance has fulfilled its interest payment obligations for two series of listed NCDs, totaling ₹0.99 Crore. Payments were made on October 19, 2026.
- Value
- ₹0.99 Cr