Aye Finance Intrinsic Value
Aye Finance (AYE) median intrinsic value is ₹352.12 from 8 valuation models (range ₹62–₹414), vs current price ₹176.06 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Analyse Aye Finance shareholding analysis to track promoter, FII and institutional holdings.
AYE Valuation Methods Summary — DCF, Graham Number & P/E
Aye Finance intrinsic value across 8 models vs current price ₹176.06 — 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 | ₹116.76 | ₹93.41 - ₹140.11 | -33.7% | EPS: ₹9.73, Sector P/E: 12x |
| Book Value Method | asset | ₹413.55 | ₹372.19 - ₹454.91 | +134.9% | Book Value/Share: ₹516.94, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹352.12 | ₹316.91 - ₹387.33 | +100.0% | Revenue/Share: ₹370.41, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹352.12 | ₹316.91 - ₹387.33 | +100.0% | EBITDA: ₹759.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹62.27 | ₹56.04 - ₹68.50 | -64.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹83.68 | ₹75.31 - ₹92.05 | -52.5% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹352.12 | ₹316.91 - ₹387.33 | +100.0% | ROE: 7.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹336.41 | ₹302.77 - ₹370.05 | +91.1% | EPS: ₹9.73, BVPS: ₹516.94 |
AYE Intrinsic Value vs Market Price — All Valuation Models
Aye Finance fair value range ₹62–₹414 vs current market price ₹176.06 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 ₹352.12, current price ₹176.06 — 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 ₹352.12 (median value). With the current market price of ₹176.06, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹62.27 to ₹413.55, indicating ₹62.27 - ₹413.55.
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 | 0.24 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 42.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.23x | 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 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 |
| March 2021 | ₹125 Cr | ₹30 Cr | Positive Free Cash Flow | 7/10 |