Aye Finance Listed
Non-banking financial company (NBFC) founded in 2014, providing secured and unsecured business loans to micro, small and medium enterprises (MSMEs) in India. Uses a proprietary cluster-based underwriting methodology that assesses borrowers' cash flows by analyzing business-cluster economics (raw material costs, labor rates, cash conversion cycles) rather than relying on traditional bank statements or tax filings.
Valuation
Returns
Per share
Growth · year on year
Ownership
Price and ratios are compiled from the exchange and third-party market data, cached and refreshed through the day — they are not Atlas facts and are not investment advice. Where a ratio is computed on more than one basis (for example standalone versus trailing-twelve-month), each is shown separately rather than averaged into a single number.
How this score is calculated
| Measure | Value | Scores | Source |
|---|---|---|---|
| P/E What the market pays for each rupee of earnings. Lower is cheaper — but a low P/E can also mean the market expects earnings to fall. |
23.55 | 75/100 | Market data |
| P/B Price against book value. Most meaningful for banks and asset-heavy businesses; software and consumer brands trade high here for good reasons. |
1.77 | 75/100 | Market data |
| ROE Return on equity — profit generated per rupee of shareholder capital. Sustained high ROE is the clearest single marker of a good business. |
9.39 | 25/100 | Market data |
| ROCE Return on capital employed — the same idea including debt, so it is harder to flatter with leverage. |
11.45 | 50/100 | Market data |
| Profit growth Year-on-year growth in profit. Weighted above sales growth because profitable growth is the harder thing to do. |
13.06 | 50/100 | Market data |
| Sales growth Year-on-year growth in revenue. |
24.32 | 100/100 | Market data |
| Revenue growth · filed Year-on-year revenue growth computed from the fiscal-year figures we filed ourselves and cited to a real disclosure, not a market data feed. |
22.10 | 100/100 | Atlas |
| Profit trend · filed Whether profit is improving, from the same filed figures. A swing from loss to profit scores highest; a swing from profit into loss scores lowest; a narrowing loss still scores better than a widening one. |
11.50 | 50/100 | Atlas |
| Promoter holding How much of the company its founders and controlling group still own. Higher usually means their money moves with yours. |
0.00 | 0/100 | Market data |
The Atlas Score is our own arithmetic on the published figures above — nothing is hidden and nothing is bought in. It weighs quality and growth at 30% each, valuation at 25% and ownership at 15%, scoring each measure against fixed bands. Growth blends third-party market data with the fiscal-year figures we file and cite ourselves, so a company we have researched more deeply scores on richer evidence. A measure we could not fetch is left out of the average rather than counted as a zero. It is a summary of the numbers, not a recommendation, not a price target, and not advice about your circumstances.
Aye Finance: Funding Rounds
| Date | Round | Amount | Investors | Source |
|---|---|---|---|---|
| 20 Sep 2024 | Series G | $30 Mn | ABC Impact British International Investment | source |
| 13 Dec 2023 | Series F | $37 Mn | British International Investment A91 Partners Waterfield Fund | source |
| 24 Jun 2020 | Series E | $27.5 Mn | CapitalG A91 Partners Falcon Edge Capital LGT Lightstone MAJ Invest | source |
| 8 Mar 2019 | Series D | $33.34 Mn | Falcon Edge Capital CapitalG LGT MAJ Invest | source |
| 11 Jun 2018 | Series C | $21.5 Mn | CapitalG Elevation Capital LGT | source |
| 1 Nov 2016 | Series B | $10 Mn | Accion Elevation Capital LGT Impact Ventures | source |
| 11 Dec 2015 | Seed | $3 Mn | Accion Elevation Capital | source |
| 23 Feb 2015 | Seed | $1 Mn | Accion Elevation Capital | source |
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Who founded Aye Finance?
Aye Finance was founded by Sanjay Sharma, Vikram Jetley in 2014.
How much funding has Aye Finance raised?
Aye Finance has raised $163.34 Mn across 8 tracked funding round(s), most recently on 2024-09-20. Figures are compiled from cited public sources.
Who are the investors in Aye Finance?
Investors in Aye Finance include ABC Impact, British International Investment, A91 Partners, Waterfield Fund, CapitalG, Falcon Edge Capital, LGT Lightstone, MAJ Invest.
What does Aye Finance do?
Non-banking financial company (NBFC) founded in 2014, providing secured and unsecured business loans to micro, small and medium enterprises (MSMEs) in India. Uses a proprietary cluster-based underwriting methodology that assesses borrowers' cash flows by analyzing business-cluster economics (raw material costs, labor rates, cash conversion cycles)…
Where is Aye Finance headquartered?
Aye Finance is headquartered in Gurugram, Haryana, India.
What is Aye Finance's business model?
Aye Finance's core value proposition centers on Cluster-based underwriting without traditional documentation.
How does Aye Finance make money?
Aye Finance's cited revenue streams include Interest income on MSME business loans.