Aye Finance (AYE) — Announcement

📢 Key Event
AYE reported 22% YoY disbursement growth and 28% AUM growth in Q1 FY27 with improving credit metrics.

🔄 What Changed
Credit cost declined 29 bps sequentially; gross NPA improved 28 bps; capital adequacy ratio at 41.3%

🔮 What's Next
Target 25-30% AUM growth and 3.5-4% credit cost for FY27; 10% annual branch expansion; leverage to reach 4-4.5x

💡 Investor Takeaway
AYE is scaling efficiently with improving asset quality and cost control, positioning for sustainable growth without fresh capital.

Aye Finance Limited reported robust Q1 FY27 growth with disbursements up 22% YoY to INR1,219 crores and AUM rising 28% to INR7,324 crores, driven by 44,000 new borrowers. Gross NPA improved to 4.49% (28 bps better) and credit cost declined to 4.01% (29 bps sequentially), aided by a 10-15 bps rating upgrade benefit. Management targets 25-30% AUM growth and 3.5-4% credit cost for FY27, supported by a 10% annual branch expansion plan and cautious co-lending approach. Operating expenses are guided at 8.25-8.75% of assets, with NIM expected to stabilize near 14.5%. The company emphasized portfolio quality, with mortgage delinquency concentrated in specific states and digital fintech loans contributing 15-20% of volume. Capital adequacy stands at 41.3%, and no fresh capital raise is needed for 2.5 years as leverage will fund growth to INR14,000 crores. Rating upgrades are expected to further reduce borrowing costs, reinforcing confidence in sustainable profitability and asset quality.

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About Aye Finance Limited (AYE)

Financial Services · Finance · Listed on NSE

Market Cap: ₹4,240.99 Cr P/E: 15.7 ROE: 9.4% ROCE: 11.2%

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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