AI Summary
✦ ClarthaValuation Metrics
Trading 21.4% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +1.24). Confidence: 81%.
Live forward EPS implies next-12-month EPS of ₹18.90. Applying the stock's normalized valuation corridor produces a fair range of ₹229.82 to ₹320.35, with base value near ₹273.10 (+53.5% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹18.90
Forward P/E
9.4x
Base Fair Value
₹273.10
Fair Range
₹229.82 - ₹320.35
Upside To Base
+53.5%
Estimate Source
Live forward EPS
Growth Estimate
+91.1%
5Y Average
1.51
Current
1.55
Overvalued
1.73
Undervalued
1.28
5Y Average
15.27
Current
17.54
Overvalued
16.95
Undervalued
12.16
5Y Average
3.39
Current
4.07
Overvalued
3.90
Undervalued
2.89
Peers & Comparison
Sector: Financials · Theme: Consumer Finance
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
PAISALO DIGITAL LIMITED PAISALOConsumer Finance | +20.7% | 45.8% | 26.1x Undervalued | -47% vs avg | +132.3% |
FIVE-STAR BUS FIN LTD FIVESTARConsumer Finance | +8.0% | 47.8% | 14.5x Undervalued | -70% vs avg | -4.4% |
IFCI LTD IFCISpecialized Finance | — | 0.0% | 106.7x Premium | +117% vs avg | +42.9% |
AYE FINANCE LIMITED trades at a discount (18.4x vs peer avg 49.1x), suggesting potential undervaluation relative to the Consumer Finance cohort. Peers include PAISALO DIGITAL LIMITED, FIVE-STAR BUS FIN LTD, IFCI LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹477 CrJun 2026Latest net profit
₹74 CrJun 2026Free cash flow
₹-1.37K CrMar 2026Net Profit
₹74 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue + | 361 | 409 | 405 | 437 | 443 | 515 | 477 |
| Interest | 115 | 123 | 126 | 133 | 141 | 135 | 131 |
| Expenses + | 219 | 240 | 242 | 266 | 253 | 279 | 256 |
| Financing Profit | 27 | 46 | 37 | 38 | 49 | 102 | 91 |
| Financing Margin % | 7% | 11% | 9% | 9% | 11% | 20% | 19% |
| Other Income + | 9 | 11 | 9 | 10 | 12 | 17 | 12 |
| Depreciation | 6 | 6 | 5 | 6 | 7 | 8 | 6 |
| Profit before tax | 30 | 50 | 41 | 42 | 54 | 111 | 97 |
| Tax % | 25% | 19% | 25% | 17% | 21% | 23% | 23% |
| Net Profit + | 23 | 41 | 31 | 35 | 43 | 86 | 74 |
| EPS in Rs | 1.19 | 2.12 | 1.60 | 1.80 | 2.22 | 3.48 | 3.02 |
| Gross NPA % | 3.79% | ||||||
| Net NPA % | 1.31% | ||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS