Aye Finance Ltd (AYE) — shareholding pattern, promoter holding, financials and share price
About Aye Finance Ltd (AYE)
Aye Finance Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as AYE and on the BSE under scrip code 544699. Its ISIN is INE501X01029.
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]
Aye Finance is a listed Indian NBFC that provides small-ticket business loans to micro-scale MSMEs across manufacturing, trading, services and allied agriculture, operating a phygital model with a branch network (571 branches) and technology-driven underwriting and collections to serve over 5 lakh loans and an AUM of INR 6,356 crore as of Q3 FY26.
Recent operating momentum is visible: Q3 FY26 disbursements grew 35% YoY to INR 1,310 crore, AUM rose 23.5% YoY to INR 6,356 crore, and 41,015 new borrowers were added in the quarter, demonstrating strong client acquisition and sustained demand in the underserved micro-MSME segment.
Listed peers in Non Banking Financial Company (NBFC): Northern Arc Capital Ltd, Mrugesh Trading Ltd, Indostar Capital Finance Ltd, SG Finserve Ltd, Ashika Credit Capital Ltd, Mufin Green Finance Ltd.
Valuation & Returns
10 Jul 2026At ₹169.05 a share on 10 Jul 2026, Aye Finance Ltd (AYE) was valued at a price-to-earnings ratio of 21.55x against an industry P/E of 19.5x and a price-to-book of 2.52x on a book value of ₹67.2 per share as of Mar 2025. Solomo computes return on equity of 11.68% and return on capital employed of 10.24% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 21.55x
- Industry P/E
- 19.5x
- P/B
- 2.52x
- EPS (TTM)
- ₹7.85
- Book value / share
- ₹67.2
- ROE
- 11.68%
- ROCE
- 10.24%
- ROA
- 3.06%
- Debt / equity
- 2.73x
- Dividend yield
- 0%
- EBITDA margin
- 44.51%
- 52-week range
- ₹88.4 – ₹184.6
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Aye Finance Ltd (AYE) reported revenue of ₹1,815 crore, net profit of ₹194 crore and earnings per share of ₹7.85. That compares with revenue of ₹1,460 crore and net profit of ₹171 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹528 crore and net profit ₹86 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 432 | 623 | 1,040 | 1,460 | 1,815 |
| Net profit (₹ cr) | -46 | 54 | 161 | 171 | 194 |
| EPS (₹) | -94.65 | 111.35 | 333.57 | 8.93 | 7.85 |
| Measure | 5Y | 3Y | 1Y |
|---|---|---|---|
| Sales growth | 28.81% | 50.07% | 40.33% |
| Profit growth | 39.51% | - | 6.29% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 0% of Aye Finance Ltd (AYE) (unchanged from the previous quarter), foreign institutional investors (FII) hold 15.7% and domestic institutional investors (DII) hold 19.75%. Market capitalisation was ₹4,172 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2026.
Largest disclosed public shareholders in Jun 2026: ELEVATION CAPITAL V LIMITED 12.59%, LGT CAPITAL INVEST MAURITIUS PCC 10.05%, ALPHA WAVE INDIA I LP 7.78%, BRITISH INTERNATIONAL INVESTMENT PLC 7.4%, A91 EMERGING FUND I LLP 7.18%, IMP2 ASSETS PTE. LTD. 5.53%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 0% | - | 15.7% | 19.75% | 99.27% |
| Mar 2026 | 0% | - | 18.66% | 18.39% | 99.07% |