Star Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Star Housing Finance	Reliance Home Financ	India Home Loan
Operational Metrics
Banks
Net NPA	1.25 %	n/a	n/a
Net Interest Margin	7.69 %	3.8 %	18.67 %
NBFC
Cost To Income Ratio	58.47 %	35.0 %	n/a
Cost of Borrowing	12.78 %	9.0 %	15.88 %
Gross NPA	1.65 %	0.9 %	3.34 %
Net NPA	1.13 %	41.03 %	2.4 %
AUM - NBFC	546.58 Crs	11857.0 Crs	47.61 Crs
Tier I Capital	50.11 %	-3992.56 %	42.02 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	50.55 %	-3992.56 %	81.47 %
Yield On Advances	16.96 %	n/a	n/a
Financials
5 yr Average ROE	5.34 %	-878.44 %	0.24 %
5yr average Equity Multiplier	2.56	-48.31	3.47
5yr Average Asset Turnover Ratio	0.13	1.71	0.15
5yr Avg Net Profit Margin	16.03 %	-132.59 %	-2.66 %
5yr Avg Net Profit Margin	16.03 %	-132.59 %	-2.66 %
5yr CAGR Net Profit	11.99 %	140.45 %	-25.59 %
5yr CAGR Sales	31.13 %	36.36 %	-15.13 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.62	0.0	1.28
P/E	24.63	7.1	342.12
Shareholdings
Promoter Holding	18.36 %	0.74 %	26.66 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-7.26 %	-48.84 %	-9.55 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Star Housing Finance	Reliance Home Financ	India Home Loan
Location Wise Break-Up	Location Wise Break-Up Maharashtra 67.0 Madhya Pradesh 10.0 Rajasthan 8.0 Gujarat 5.0 Tamil Nadu 5.0 India 0 Others 5.0	Location Wise Break-Up Madhya Pradesh 0 Tamil Nadu 0 India 100.0 Rajasthan 0 Gujarat 0 Maharashtra 0	Location Wise Break-Up Madhya Pradesh 0 Tamil Nadu 0 India 0 Rajasthan 1.58 Gujarat 87.88 Maharashtra 10.54
Customer Segment	Customer Segment Self-Employed 85.0 Salaried 15.0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	Customer Segment Home loans 12.62 Self-Employed 0 Corporate Bodies 78.21 Small & Medium Enterprises (SME) loans 9.18 Salaried 0	-
Distribution Channel	Distribution Channel Business Associates 60.0 Direct 40.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 100.0 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 Au Small Finance Bank 0 IDFC First Bank Ltd 0 Car Loan 0 National Housing Bank 0	Borrowings Break-Up Au Small Finance Bank 0 0 Cash Credit 7.09 IDFC First Bank Ltd 0 Car Loan 0 Commercial Papers 10.02 National Housing Bank 0 Loan From Banks 0 Loan From Banks 61.76 Others 21.13	Borrowings Break-Up Au Small Finance Bank 0 0 Cash Credit 0 IDFC First Bank Ltd 0 Car Loan 0 Commercial Paper 0 National Housing Bank 0 Loan From Banks 0 Term Loan 0 Others 100
Ticket Size	Ticket Size 0 to 25 lakhs 93.0 25 to 50 lakhs 7.0 > 50 lakhs 0	-	-
Rural vs Urban	Rural vs Urban Rural 82.0 Urban 18.0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Housing 100.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-
Loan to Value Split	Loan to Value Split Up to 50% 54.46 50-80% 41.58 >80% 3.96	-	-

Star Housing Finance Ltd.

Star Housing Finance Ltd.

Financial

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