Aye Finance delivered a strong Q3 FY26 with PAT surging 87% YoY to ₹43 crore, driven by improving credit quality and operating leverage.
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A new Bihar ordinance on microfinance could impact collections, though management believes business loans are less affected and similar past state regulations had minimal impact.
medium · analyst_questionCredit cost at 4.69% remains above the target range of 3.25-3.75%; any delay in normalization could pressure profitability.
medium · data_observationThe addition of 1,300-1,400 mortgage staff has increased operating expenses; profitability improvement depends on mortgage book scaling to absorb these costs.
medium · management_commentaryIncreased supply in the mortgage segment could lead to pricing pressure, potentially offsetting benefits from lower credit costs.
low · analyst_question