Aye Finance (NSE:AYE) EBIT: ₹4,275 Mil (TTM As of Mar. 2026)


NSE:AYE Aye Finance Ltd NSE:AYE
14 GF Score
Price ₹167.92
! 8 Warning Signs
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What is Aye Finance EBIT?

Aye Finance NSE:AYE +1.47% 14 EBIT is ₹4,275 Mil as of Mar. 2026. GuruFocus rates NSE:AYE with a GF Score™ of 14/100. The stock has 8 warning signs investors should review.

Aye Finance's earnings before interest and taxes (EBIT) for the six months ended in Mar. 2026 was ₹2,638 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹4,275 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Aye Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 3.90%. Aye Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 517.65%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Aye Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 5.24%.

Aye Finance  (NSE:AYE) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Aye Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=3098.6 * ( 1 - 21.67% )/( (57015.13 + 67572.9)/ 2 )
=2427.13338/62294.015
=3.90 %

where

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=71160.09 - 150.19 - ( 13994.77 - max(0, 23228.1 - 39704.5+13994.77))
=57015.13

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=77729.4 - 45.8 - ( 10110.7 - max(0, 45.8 - 73749.3+10110.7))
=67572.9

Note: The Operating Income data used here is two times the semi-annual (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Aye Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=5276.74/( ( (539.53 + max(-506.55, 0)) + (570.8 + max(928.4, 0)) )/ 2 )
=5276.74/( ( 539.53 + 1499.2 )/ 2 )
=5276.74/1019.365
=517.65 %

where Working Capital is:

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 597.68) - (150.19 + 0 + 954.04)
=-506.55

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 974.2) - (45.8 + 0 + 0)
=928.4

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Aye Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=4275.3/81596.551
=5.24 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Aye Finance EBIT Related Terms

Aye Finance EBIT Historical Data

* Premium members only.

The historical data trend for Aye Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Aye Finance EBIT Chart

Aye Finance Annual Data
Trend Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
422.58 1,770.26 3,433.07 3,928.50 4,275.30

Aye Finance Semi-Annual Data
Mar22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
EBIT Get a 7-Day Free Trial 1,692.95 2,178.88 1,749.62 1,636.93 2,638.37

NSE:AYE vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Aye Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Aye Finance EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Aye Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Aye Finance's EV-to-EBIT falls into.


NSE:AYE
14GF Score
Aye Finance Ltd NSE:AYE
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Aye Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was ₹4,275 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹4,275 Mil mean?
Aye Finance (NSE:AYE) has a EBIT of ₹4,275 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Aye Finance.
Is Aye Finance's EBIT too high?
Aye Finance's current EBIT is ₹4,275 Mil. Overall, Aye Finance has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Aye Finance's EBIT compare to V and MA?
Aye Finance's EBIT of ₹4,275 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Aye Finance. Aye Finance's current EBIT is ₹4,275 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aye Finance stock overvalued right now?
Aye Finance (NSE:AYE) has a current EBIT of ₹4,275 Mil. The current EBIT is ₹4,275 Mil. Aye Finance's overall GF Score™ is 14/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Aye Finance (NSE:AYE), the current EBIT is ₹4,275 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Aye Finance Business Description

Other Exchanges 544699:India
Address Arya Samaj Road, Unit No. 701-711, 7th Floor, Unitech Commercial Tower-2, Sector-45, Gurgaon, HR, IND, 122 003
Aye Finance Ltd is a non-banking financial company - middle layer (NBFC-ML) focused on providing loans to micro, small and medium enterprises (MSMEs) across India. It offers a range of business loans for working capital and business expansion needs, against hypothecation of working assets or against security of property to customers across manufacturing, trading, service and allied agriculture sectors. The company operates in a single reportable segment i.e. granting loans, which has similar risks and returns. The company's offerings include Mortgage Loans, Property Loans, Secured Hypothecation Loans, and Unsecured Hypothecation Loans. Geographically, it operates across India.
14GF Score

Get the complete analysis for NSE:AYE

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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