Aye Finance Ltd

Aye Finance Limited's investor presentation for Q2FY27 highlights strong financial performance and operational improvements. Management reported a 26% YoY increase in Assets Under Management (AUM) to Rs. 7,597 crore, with disbursements rising 15% QoQ to Rs. 1,403 crore. Gross Total Income grew 24% YoY to Rs. 527 crore, while Profit After Tax (PAT) surged 151% YoY to Rs. 87 crore, marking the highest quarterly profit. Key metrics include a Net Interest Margin (NIM) of 15.6%, a 29 basis point decline in GNPA to 4.20%, and improved collection efficiencies (Non-OD at 99.2%, Bucket 1 at 52.8%). Operational efficiency improved, with Opex ratio at 8.61%, the lowest in eight quarters. The company added 49,000 new borrowers, reaching 6.9 lakh active customers. For H1FY27, AUM grew 26% YoY, PAT rose 148% YoY to Rs. 161 crore, and Return on Equity (RoE) reached 12.34%. Management emphasized disciplined growth, asset quality improvements, and leveraging AI/ML for underwriting and collections. Guidance for FY27 includes AUM growth of 25-30% YoY, Credit Cost between 3.5-4.0%, and Opex between 8.25-8.75%. The company also outlined a three-year vision targeting 28-33% AUM CAGR, maintaining RoA of 4.0-4.5% and RoE of 17-20%.

The presentation emphasizes strong financial performance, operational improvements, and positive guidance, reflecting a confident and optimistic outlook.