Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AYE.NS
HoldHot AirAye Finance Limited · Financial Services · India · $477M · Avg Vol: $3M/d
43
StockRankGet insider-trade alerts
Q
43
V
29
M
64
P/E (TTM)
18.4x
ROE
7.6%
D/E
2.0x
Dividend %
—
COMPANY DESCRIPTION
Aye Finance Limited, a non-banking financial company, provides loans to micro, small, and medium enterprises in India.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.8B | 9.8B | 13.6B | 16.1B | 40.4% | 10.7B | 16.0B | 19.4B | 9.8% |
| EPS (INR) | 1.62 | 6.96 | 6.94 | 9.73 | 81.9% | 9.76 | 14.20 | 18.90 | 39.4% |
| Shares | 244.5M | 244.5M | 244.5M | 244.5M | 0.0% | 244.6M | — | — | — |
| Debt | 23.2B | 35.2B | 45.5B | 50.7B | 29.7% | 50.9B | — | — | — |
| Equity | 7.5B | 12.3B | 16.6B | 25.3B | 49.7% | — | — | — | — |
| Op CF | -7.2B | -13.2B | -8.1B | -13.5B | — | -13.6B | — | — | — |
| Inv CF | 782.1M | 830.4M | -385.9M | -1.3B | — | — | — | — | — |
| Fin CF | 7.6B | 14.9B | 12.5B | 11.7B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+7.0%
SMA 50SMA 200
Close
$1.86
RSI (14)
57.5
SCORE BREAKDOWN
Quality
43
ROIC
7.8%81.7
ROE
7.6%38.1
GP/Assets
13.8%80.5
Op. Margin
35.0%51.9
FCF/Assets
-17.6%3.2
Piotroski
311.8
Int. Cover
2.6x26.8
D/E Ratio
2.00x16.2
Current Ratio
1.53x47.2
Value
29
P/E (TTM)
18.4x28.5
EV/EBITDA
20.5x22.2
P/FCF
—N/A
P/B
1.6x35.6
P/S
4.1x43.8
Div Yield
—N/A
Momentum
64
52W High %
—N/A
RS 6M
73%98.7
SMA 50/200
—N/A
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+94%82.4
Q Growth
144%88.6
FUNDAMENTALS
Market Cap
$477M
P/E (Forward)
9.5x
Gross Margin
53.3%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AYE.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AYE.NS | Aye Finance Limited(you) | $477M | 43 | Hold |
| FEDFINA.NS | Fedbank Financial Services Limited | $642M | 47 | Hold |
| MUFIN.NS | Mufin Green Finance Limited | $283M | 44 | Hold |
| MUTHOOTMF.NS | Muthoot Microfin Limited | $357M | 49 | Hold |
| MASFIN.NS | MAS Financial Services Limited | $555M | 32 | Sell |
| TFCILTD.NS | Tourism Finance Corporation of India Limited | $688M | 50 | Hold |
| FUSION.NS | Fusion Finance Limited | $345M | 51 | Hold |
| INDOSTAR.NS | IndoStar Capital Finance Limited | $429M | 27 | Sell |
| KISSHT.NS | OnEMI Technology Solutions Limited | $619M | 30 | Sell |
| NORTHARC.NS | Northern Arc Capital Limited | $530M | 60 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%