Aye Finance Q2FY27 Profit Surges 151% YoY to ₹87 Crore
Aye Finance reported its highest-ever quarterly profit of ₹87 Crore for Q2FY27, a 151% YoY and 16% QoQ increase. RoAUM stood at 4.7%, with credit cost declining for the seventh consecutive quarter to 3.8%. Operating expense ratio improved to 8.6%. AUM grew 26% YoY to ₹7597 Crore.
The substantial profit growth, record-breaking quarterly performance, and positive operational metrics are highly material and will likely have a significant positive impact on investor sentiment and the company's valuation.
The company reported record profits, significant YoY and QoQ growth in PAT, improved RoAUM, declining credit costs, and a lower operating expense ratio, all indicating strong financial performance.
Aye Finance Limited announced its financial results for the quarter ended September 30, 2026 (Q2FY27), reporting a record quarterly profit after tax of ₹86.7 Crore. This represents a significant increase of 151% year-on-year (YoY) and 16% quarter-on-quarter (QoQ). The company achieved a Return on AUM (RoAUM) of 4.7% for the quarter. Credit cost continued its downward trend for the seventh consecutive quarter, falling to 3.8%, while the operating expense ratio improved to 8.6%, marking an 8-quarter low.
Key financial highlights for Q2FY27 include a Profit After Tax (PAT) of ₹86.7 Crore, up from ₹34.5 Crore in Q2FY26 and ₹74.5 Crore in Q1FY27. RoAUM stood at 4.7%, compared to 2.4% in Q2FY26 and 4.2% in Q1FY27. Net Interest Margin (NIM) was 15.6%, an increase of 173 basis points YoY. The Net Worth as of September 30, 2026, was ₹2695 Crore, with a Book Value Per Share of ₹110.
In terms of business metrics, Assets Under Management (AUM) grew by 26% YoY to ₹7597 Crore. Disbursements increased by 10% YoY to ₹1403 Crore. The number of active customers reached 6.94 lakh, an 18% YoY increase. Gross Non-Performing Asset (GNPA) and Net Non-Performing Asset (NNPA) were reported at 4.2% and 1.6%, respectively.
Sanjay Sharma, Managing Director of Aye Finance, commented on the results, stating, "This quarter’s results show that model at work. Profit after tax rose 151% year-on-year and 16% quarter-on-quarter to INR 87 crore, our highest-ever quarterly profit. Credit costs fell for the seventh consecutive quarter to 3.8%, and our operating expense ratio improved to 8.6%, the best in eight quarters. We remain firmly on track to deliver our FY27 growth and earnings guidance while absorbing the expected effects of increased cost of borrowing. As we increase our leverage against the capital raised in our February 2026 IPO, we expect return on equity to rise steadily through the subsequent quarters."
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Aye Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Aye Finance Limited. Read the original for the full detail.