| Metric | Value (₹ Cr) | vs Q3 FY26 |
|---|---|---|
| Revenue | 528.44 | 19.4% |
| Total Income | 545.27 | 19.9% |
| Expenditure | 434.39 | 8.3% |
| PBT | 110.88 | 105.9% |
| Net Profit | 85.91 | 101.7% |
| OPM | 44.77% | 2.01pp |
| NPM | 15.76% | 6.40pp |
| EPS | 3.89 | 75.2% |
Aye Finance: Q4 Profit Up 110% YoY to ₹86 Crores
27 Apr 2026 · 27 Apr, 12:20 pm
Summary
Aye Finance announced robust financial results for Q4 and the full fiscal year ended March 31, 2026, showcasing significant growth across key metrics. The company's Q4FY26 profit after tax surged by 110% year-over-year to ₹86 Crores, contributing to an annual net profit of ₹194 Crores, up 13% year-over-year. Total revenue for FY26 reached ₹1,797 Crores, with Assets Under Management (AUM) growing 27% year-over-year to ₹7,044 Crores. Management emphasized improved profits and credit quality, with reduced credit costs for five consecutive quarters, and expressed commitment to balancing growth with prudent risk management for long-term stakeholder returns.
Key Highlights
- 1
Aye Finance reported a stellar Q4FY26 profit after tax (PAT) of ₹86 Crores, marking a significant 110% increase year-over-year.
- 2
The company achieved an annual net profit of ₹194 Crores for FY26, growing by 13% year-over-year.
- 3
Annual total revenue for FY26 stood at ₹1,797 Crores, indicating strong operational performance.
- 4
Assets Under Management (AUM) expanded by 27% year-over-year to ₹7,044 Crores by the end of Q4FY26, supported by 25% YoY growth in quarterly disbursements.
- 5
Q4FY26 saw a notable improvement in credit quality with the Credit Cost reducing by 186 basis points year-over-year to 4.3%, and NNPA at 1.8%, down 19 bps from the previous quarter.
- 6
The company delivered a quarterly Return on Equity (ROE) of 16% on its enlarged net worth, following a ₹710 Crores equity infusion from its IPO in February 2026.
- 7
A total of 2,06,833 new borrowers were added during FY26, demonstrating continued customer acquisition and market penetration.
Management Comments
Sanjay Sharma
In FY26, Aye Finance improved its profits and credit quality, thereby standing apart in a year defined by industry-wide over-lending and market corrections. We closed Q4 with INR 86 Crores of PAT and ROE of 16% for the quarter. We have reduced our credit costs for 5 consecutive quarters while maintaining a robust credit PCR of 64%. Alongside, we have reached collection efficiencies across our geographies, at levels that herald a good year ahead. Along with delivering top and bottom-line growth, we continue to focus on maintaining the effectiveness of our underwriting of the micro-enterprise sector and ensuring resilience in outcomes through the year. Moving forward, we remain committed to balancing growth with prudent risk management to deliver long- term returns for all our stakeholders.
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