Aye FinanceNSE:AYE +1.47%14 Operating Margin % is 17.46% as of Mar. 2026, which is 49% below its 10-year median of 34.11. GuruFocus rates NSE:AYE with a GF Score™ of 14/100. The stock has 8 warning signs investors should review. Among 412 Credit Services companies, Aye Finance ranks better than 60.92% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Aye Finance's Operating Income for the
six
months ended in Mar. 2026 was ₹1,549 Mil. Aye Finance's Revenue for the
six
months ended in Mar. 2026 was ₹8,876 Mil. Therefore, Aye Finance's Operating Margin % for the quarter that ended in Mar. 2026 was 17.46%.
The historical rank and industry rank for Aye Finance's Operating Margin % or its related term are showing as below:
NSE:AYE'
s Operating Margin % Range Over the Past 10 Years
Min: 26.05 Med: 34.11 Max: 41.77
Current: 26.05
NSE:AYE's Operating Margin % is ranked better than 60.92% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs NSE:AYE: 26.05
Aye Finance's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
Aye Finance's Operating Income for the
six
months ended in Mar. 2026 was ₹1,549 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹4,275 Mil.
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Aye Finance Operating Margin % Related Terms
Aye Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for Aye Finance's Operating Margin % 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.
NSE:AYE vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Aye Finance's Operating Margin %, along with its competitors' market caps and Operating Margin % 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aye Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Aye Finance's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Aye Finance's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Operating Margin % of 17.46% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Aye Finance and its competitors. This is 49% below median its historical median of 34.11. Over the past decade, Aye Finance's Operating Margin % has ranged from 26.05 to 41.77. According to the industry distribution chart, Aye Finance ranks #161 out of 412 companies in the Credit Services industry, placing it in the top 39.1%.
Is Aye Finance's Operating Margin % too high?
Aye Finance's current Operating Margin % of 17.46% is 49% below median its 10-year median of 34.11. Over the past 10 years, this metric has ranged from a low of 26.05 to a high of 41.77. The Credit Services industry median Operating Margin % is 17.33. Aye Finance's value of 17.46% is 0.8% above this industry median. Based on the distribution chart, Aye Finance ranks #161 out of 412 companies in the Credit Services industry, which is above the industry midpoint. 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aye Finance ranks #161 out of 412 companies for Operating Margin %. This puts Aye Finance in the upper half of its industry. The industry median Operating Margin % is 17.33. Aye Finance's value of 17.46% is 0.8% above this benchmark. Historically, Aye Finance's own Operating Margin % has ranged from 26.05 to 41.77 over the past decade. While the company's 10-year median is 34.11 vs. the industry median of 17.33, Aye Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aye Finance's current Operating Margin % of 17.46% is 0.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Aye Finance and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aye Finance's current Operating Margin % is 17.46%, which is 49% below median its own 10-year median of 34.11. 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 Operating Margin % of 17.46%. The current Operating Margin % is 17.46%, which is 49% below median its 10-year median of 34.11 and 0.8% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Aye Finance (NSE:AYE), the current Operating Margin % is 17.46% 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 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
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:AYE has been successfully added to your 