Aye Finance Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Management expects full-year AUM growth of 29-30%, driven by strong Q4 disbursement momentum.
Q3 FY26Three-year vision: 30% CAGR, credit cost 3.25-3.75%, ROA 4-4.5%TrackedOver the next three years, the company targets consistent 30% AUM growth, credit cost between 3.25% and 3.75%, and ROA of 4-4.5%.
Q4 FY26AUM growth of 25-30% in FY27TrackedManagement expects assets under management to grow 25-30% in the current financial year.
Q4 FY26ROA target of 4-4.5% in FY27TrackedReturn on assets is expected to be in the range of 4-4.5% for the current financial year.
Margins
Management expects quarterly annualized credit cost to fall below 4% in Q4 FY26, setting up for FY27.
Q4 FY26Credit cost guidance of 3.5-4% for FY27TrackedCredit cost is expected to normalize to 3.5-4% in FY27, supported by better portfolio quality.
Q4 FY26Operating expense ratio target of 8.25-8.75% in FY27TrackedOperating expense ratio is expected to decline from 9.6% to 8.25-8.75% by leveraging existing capacity.