Aye Finance Intrinsic Value
Aye Finance intrinsic value. Aye Finance (AYE) median intrinsic value is ₹325.50 from 8 valuation models (range ₹70–₹407), vs current price ₹162.75 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Compare with AYE fair value to assess whether the stock is under or overvalued.
AYE Valuation Methods Summary — DCF, Graham Number & P/E
Aye Finance intrinsic value across 8 models vs current price ₹162.75 — upside/downside and value range per method. Read AYE dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹130.80 | ₹104.64 - ₹156.96 | -19.6% | EPS: ₹10.90, Sector P/E: 12x |
| Book Value Method | asset | ₹406.88 | ₹366.19 - ₹447.57 | +150.0% | Book Value/Share: ₹516.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹325.50 | ₹292.95 - ₹358.05 | +100.0% | Revenue/Share: ₹392.65, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹325.50 | ₹292.95 - ₹358.05 | +100.0% | EBITDA: ₹869.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹69.76 | ₹62.78 - ₹76.74 | -57.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹93.74 | ₹84.37 - ₹103.11 | -42.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹325.50 | ₹292.95 - ₹358.05 | +100.0% | ROE: 9.4%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹356.06 | ₹320.45 - ₹391.67 | +118.8% | EPS: ₹10.90, BVPS: ₹516.94 |
AYE Intrinsic Value vs Market Price — All Valuation Models
Aye Finance fair value range ₹70–₹407 vs current market price ₹162.75 across 8 valuation models. For current market price and key ratios, visit AYE stock price BSE.
AYE Intrinsic Value Analysis — Undervalued or Overvalued?
Aye Finance median intrinsic value ₹325.50, current price ₹162.75 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of AYE?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Aye Finance (AYE) is ₹325.50 (median value). With the current market price of ₹162.75, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹69.76 to ₹406.88, indicating ₹69.76 - ₹406.88.
Is AYE undervalued or overvalued?
Based on our multi-method analysis, Aye Finance (AYE) appears to be trading below calculated value by approximately 100.0%.
AYE Financial Health — Key Ratios vs Industry Benchmarks
Aye Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.26 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 44.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.25x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
AYE Cash Flow Quality — Operating & Free Cash Flow
Aye Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,355 Cr | ₹-1,418 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-812 Cr | ₹-832 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1,323 Cr | ₹-1,323 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-720 Cr | ₹-720 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-279 Cr | ₹-279 Cr | Negative Cash Flow | 3/10 |