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Aye FinanceNSE:AYE -2.99%14 3-Year ROIIC % is 5.44 as of Mar. 2026, which is 3% below its 10-year median of 5.59. GuruFocus rates NSE:AYE with a GF Score™ of 14/100. The stock has 9 warning signs investors should review. Among 393 Credit Services companies, Aye Finance ranks better than 60.31% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Aye Finance's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 5.44%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Aye Finance's 3-Year ROIIC % or its related term are showing as below:
NSE:AYE's 3-Year ROIIC % is ranked better than 60.31% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs NSE:AYE: 5.44
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Aye Finance 3-Year ROIIC % Related Terms
Aye Finance 3-Year ROIIC % Historical Data
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The historical data trend for Aye Finance's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aye Finance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Aye Finance's 3-Year ROIIC % falls into.
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Aye Finance (NSE:AYE) has a 3-Year ROIIC % of 5.44 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Aye Finance and its competitors. This is near median its historical median of 5.59. Over the past decade, Aye Finance's 3-Year ROIIC % has ranged from 5.44 to 5.74. According to the industry distribution chart, Aye Finance ranks #156 out of 393 companies in the Credit Services industry, placing it in the top 39.7%.
Is Aye Finance's 3-Year ROIIC % too high?
Aye Finance's current 3-Year ROIIC % of 5.44 is near median its 10-year median of 5.59. Over the past 10 years, this metric has ranged from a low of 5.44 to a high of 5.74. The Credit Services industry median 3-Year ROIIC % is 2.85. Aye Finance's value of 5.44 is 90.9% above this industry median. Based on the distribution chart, Aye Finance ranks #156 out of 393 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Aye Finance ranks #156 out of 393 companies for 3-Year ROIIC %. This puts Aye Finance in the upper half of its industry. The industry median 3-Year ROIIC % is 2.85. Aye Finance's value of 5.44 is 90.9% above this benchmark. Historically, Aye Finance's own 3-Year ROIIC % has ranged from 5.44 to 5.74 over the past decade. While the company's 10-year median is 5.59 vs. the industry median of 2.85, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aye Finance's current 3-Year ROIIC % of 5.44 is 90.9% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Aye Finance and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aye Finance's current 3-Year ROIIC % is 5.44, which is near median its own 10-year median of 5.59. 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 3-Year ROIIC % of 5.44. The current 3-Year ROIIC % is 5.44, which is near median its 10-year median of 5.59 and 90.9% above the Credit Services industry median of 2.85. Aye Finance's overall GF Score™ is 14/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Aye Finance (NSE:AYE), the current 3-Year ROIIC % is 5.44 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.
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