Aye FinanceNSE:AYE +0.63%26 EV-to-FCF is -5.99 as of Jul. 13, 2026. GuruFocus rates NSE:AYE with a GF Score™ of 26/100. The stock has 8 warning signs investors should review. Among 264 Credit Services companies, Aye Finance ranks worse than 378787.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Aye Finance's Enterprise Value is ₹81,826 Mil.
Aye Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-13,663 Mil. Therefore, Aye Finance's EV-to-FCF for today is -5.99.
The historical rank and industry rank for Aye Finance's EV-to-FCF or its related term are showing as below:
NSE:AYE'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.8 Med: -5.19 Max: -4.31
Current: -5.99
During the past 5 years, the highest EV-to-FCF of Aye Finance was -4.31. The lowest was -7.80. And the median was -5.19.
NSE:AYE's EV-to-FCF is ranked worse than 100% of 264
companies
in the Credit Services industry
Industry Median: 13.455
vs NSE:AYE: -5.99
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Aye Finance's PE Ratio (TTM) for today is calculated as:
Aye Finance's share price for today is ₹168.82.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aye Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹9.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Aye Finance EV-to-FCF Related Terms
Aye Finance EV-to-FCF Historical Data
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The historical data trend for Aye Finance's EV-to-FCF 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.
For the Credit Services subindustry, Aye Finance's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aye Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Aye Finance's EV-to-FCF falls into.
Aye Finance's current Enterprise Value is ₹81,826 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Aye Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-13,663 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.
Aye Finance (NSE:AYE) has a EV-to-FCF of -5.99 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aye Finance and its competitors. According to the industry distribution chart, Aye Finance ranks #999999 out of 264 companies in the Credit Services industry.
Is Aye Finance's EV-to-FCF too high?
Aye Finance's current EV-to-FCF is -5.99. Based on the distribution chart, Aye Finance ranks #999999 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Aye Finance has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Aye Finance's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Aye Finance ranks #999999 out of 264 companies for EV-to-FCF. This places Aye Finance in the lower half of its industry. The industry median EV-to-FCF is 13.46. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.46, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aye Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aye Finance's current EV-to-FCF is -5.99. 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 EV-to-FCF of -5.99. The current EV-to-FCF is -5.99. Aye Finance's overall GF Score™ is 26/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Aye Finance (NSE:AYE), the current EV-to-FCF is -5.99 as of Jul. 13, 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 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.
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