Aye Finance
BSE: AYE · Non Banking Financial Company (NBFC)
Snapshot
Unlock Aye Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aye Finance is a Delhi-based NBFC-Middle Layer that provides secured and unsecured small business loans to micro-scale MSMEs. The company focuses on financing working capital and business expansion requirements for small-scale enterprises across India.
Business Model
The company generates revenue primarily through interest income earned on small-ticket business loans provided to micro-enterprises. It leverages a lending model that includes mortgage, property, and hypothecation loans to mitigate credit risk.
- Average disbursement size:₹1.8 lakh
Growth Outlook
Growth is driven by the increasing credit demand from the underserved micro-MSME sector in India. The company continues to expand its reach to provide financial inclusion to small businesses requiring capital for operational growth.
Key Risks
- Credit Risk. The company faces significant exposure to default risks given its focus on the micro-MSME segment, which often lacks formal credit histories.
- Regulatory Risk. As an NBFC-Middle Layer, the company is subject to stringent RBI regulations that may impact its liquidity and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its micro-enterprise borrowers.
- Operational Risk. The high-touch model required to assess and service small-ticket loans across diverse geographies presents significant operational and collection challenges.
Price
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Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aye FinanceAYE | 2,520 | — | — | — | — | — | — | — |
Paisalo Digital LimitedPAISALO | 3,128 | 23.50 | — | 50.7% | — | 17.8% | — | +138.2% |
IndoStar Capital Finance LimitedINDOSTAR | 3,011 | 18.91 | — | -5.9% | — | 3.8% | — | -13.7% |
SG FinserveSGFIN | 2,487 | 28.41 | — | 94.1% | — | 11.3% | — | +57.2% |
Mufin GreenMUFIN | 1,756 | 78.57 | — | 23.0% | — | 7.8% | — | +36.2% |
PTC India FinPFS | 1,738 | 6.04 | — | -18.8% | — | 11.3% | — | -30.0% |
Financials
Aye Finance
BSE: AYE · Non Banking Financial Company (NBFC)
Snapshot
Unlock Aye Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aye Finance is a Delhi-based NBFC-Middle Layer that provides secured and unsecured small business loans to micro-scale MSMEs. The company focuses on financing working capital and business expansion requirements for small-scale enterprises across India.
Business Model
The company generates revenue primarily through interest income earned on small-ticket business loans provided to micro-enterprises. It leverages a lending model that includes mortgage, property, and hypothecation loans to mitigate credit risk.
- Average disbursement size:₹1.8 lakh
Growth Outlook
Growth is driven by the increasing credit demand from the underserved micro-MSME sector in India. The company continues to expand its reach to provide financial inclusion to small businesses requiring capital for operational growth.
Key Risks
- Credit Risk. The company faces significant exposure to default risks given its focus on the micro-MSME segment, which often lacks formal credit histories.
- Regulatory Risk. As an NBFC-Middle Layer, the company is subject to stringent RBI regulations that may impact its liquidity and capital adequacy requirements.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its micro-enterprise borrowers.
- Operational Risk. The high-touch model required to assess and service small-ticket loans across diverse geographies presents significant operational and collection challenges.
Price
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Unlock AI insights, financials, peers and live data on Aye Finance and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
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