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Aye Finance Limited Q2 FY27 earnings call summary

NSE: AYE · BSE: 544699

Earnings call of 22 Oct 2026, summarised by AI from the filing.

Aye Finance's Q2 FY27 profit after tax rose 151% year-on-year to ₹87 cr, with credit cost at 3.82% within its FY27 guidance of 3.5% to 4%.

Key takeaways

  1. Guidance FY27 guidance maintained: AUM growth 25% to 30%, credit cost 3.5% to 4%, NIM 14.25% to 14.75%, opex 8.25% to 8.75%, ROA 4% to 4.5%.
  2. Credit cost Credit cost fell to 3.82% from 4.03% in Q1 FY27, the seventh consecutive quarterly improvement, now within the guided range.
  3. Drought Drought in parts of Maharashtra, Karnataka and Madhya Pradesh, about 18% of AUM, led to slower disbursements in some districts.
  4. Insurance Prospective insurance commission recommendations could hit margins; management plans opex, funding and credit cost levers to absorb it.

Original filing on BSE

Aye Finance Limited Q2 FY27 results

As filed: Revenue ₹514 cr, EBITDA ₹254 cr, PAT ₹86.7 cr, EBITDA margin 49.4%.

Not scored. No result for the same quarter last year.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹477 cr, EBITDA ₹222 cr, PAT ₹74.5 cr, EBITDA margin 46.4%. Not scored. No result for the same quarter last year. Share price after the results: −10.1% in 30 days (Nifty 500: +0.8%).
  • Q4 FY26: Revenue ₹528 cr, EBITDA ₹237 cr, PAT ₹85.9 cr, EBITDA margin 44.8%. Not scored. No result for the same quarter last year. Share price after the results: +7.6% in 30 days (Nifty 500: +1.8%).
  • Q3 FY26: Revenue ₹443 cr, EBITDA ₹189 cr, PAT ₹42.6 cr, EBITDA margin 42.8%. Not scored. No result for the same quarter last year. Share price after the results: −21.0% in 27 days (Nifty 500: −7.8%).

Past price moves after results do not indicate future moves. Not a recommendation.

Aye Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.