Aye Finance Q2 FY27 Profit Jumps 151% To ₹86.7 Crore, Its Highest-Ever Quarterly Earnings, As Credit Costs Fall

Aye Finance reported its highest-ever quarterly profit after tax (PAT) of ₹86.7 crore for the second quarter of FY27. It is a 151% increase from a year earlier and a 16% rise from the previous quarter. The non-banking financial company (NBFC) also recorded its seventh consecutive quarterly decline in credit costs, while its operating expense ratio fell to an eight-quarter low.

The lender reported a return on assets under management (RoAUM) of 4.7% for the quarter ended 30 September 2026, compared with 2.4% in Q2 FY26 and 4.2% in Q1 FY27.

At 12:19 pm, Aye Finance shares were trading 1.16% lower on the National Stock Exchange (NSE).

Aye Finance Q2 FY27 Results: Other Highlights

Also, in Q2 FY27:

• The company’s return on equity (RoE) rose to 13.1% in Q2 FY27 from 8.1% in Q2 FY26 and 11.6% in Q1 FY27.

• The firm reported a net worth of ₹2,695 crore. Its book value per share stood at ₹110.

• Aye Finance’s operating expense ratio declined to 8.6% from 9.6% in Q2 FY26 and its net interest margin was up 173 basis points (bps) year-on-year (YoY) at 15.6%.

Management Commentary

Managing Director Sanjay Sharma said the company remained on track to meet its FY27 growth and earnings guidance. He also said the lender expected to absorb the anticipated impact of higher borrowing costs.

Sharma added that Aye Finance expected its return on equity to improve over the coming quarters as it increased leverage against the capital raised through its initial public offering (IPO) in February 2026.

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