Star Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	Star Housing Finance	India Home Loan	Reliance Home Financ
Operational Metrics
Banks
Net NPA	1.25 %	n/a	n/a
Net Interest Margin	7.69 %	12.46 %	3.8 %
NBFC
Cost To Income Ratio	58.47 %	n/a	35.0 %
Cost of Borrowing	12.78 %	17.08 %	9.0 %
Gross NPA	1.84 %	2.71 %	0.9 %
Net NPA	1.49 %	1.94 %	41.03 %
AUM - NBFC	569.86 Crs	48.93 Crs	11857.0 Crs
Tier I Capital	50.11 %	42.02 %	-3992.56 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	50.55 %	79.47 %	-3992.56 %
Yield On Advances	16.96 %	n/a	n/a
Financials
5 yr Average ROE	4.96 %	1.9 %	594.52 %
5yr average Equity Multiplier	2.99	3.47	-48.31
5yr Average Asset Turnover Ratio	0.13	0.15	1.71
5yr Avg Net Profit Margin	12.04 %	-2.66 %	-132.59 %
5yr Avg Net Profit Margin	12.04 %	-2.66 %	-132.59 %
5yr CAGR Net Profit	48.06 %	-25.59 %	140.45 %
5yr CAGR Sales	43.51 %	-15.13 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.47	1.11	0.0
P/E	10.35	452.26	4.03
Shareholdings
Promoter Holding	17.59 %	26.92 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.31 %	-9.46 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Star Housing Finance	India Home Loan	Reliance Home Financ
Location Wise Break-Up	Location Wise Break-Up Maharashtra 70.0 Madhya Pradesh 9.0 Rajasthan 7.0 Gujarat 5.0 Tamil Nadu 4.0 India 0 Others 5.0	Location Wise Break-Up Gujarat 87.68 Madhya Pradesh 0 Maharashtra 10.75 India 0 Rajasthan 1.57 Tamil Nadu 0	Location Wise Break-Up Gujarat 0 Madhya Pradesh 0 Maharashtra 0 India 100.0 Rajasthan 0 Tamil Nadu 0
Distribution Channel	Distribution Channel Business Associates 60.0 Direct 40.0	-	-
Customer Segment	Customer Segment Self-Employed 85.0 Salaried 15.0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	-	Customer Segment Self-Employed 0 Small & Medium Enterprises (SME) loans 9.18 Home loans 12.62 Salaried 0 Corporate Bodies 78.21
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 100.0 0 Au Small Finance Bank 0 IDFC First Bank Ltd 0 Car Loan 0 National Housing Bank 0 Commercial Paper 0 Cash Credit 0 Term Loan 0	Borrowings Break-Up National Housing Bank 0 Cash Credit 0 Term Loan 0 IDFC First Bank Ltd 0 0 Loan From Banks 0 Car Loan 0 Au Small Finance Bank 0 Commercial Paper 0 Others 100	Borrowings Break-Up National Housing Bank 0 Cash Credit 7.09 Loan From Banks 61.76 IDFC First Bank Ltd 0 0 Loan From Banks 0 Car Loan 0 Au Small Finance Bank 0 Commercial Papers 10.02 Others 21.13
Ticket Size	Ticket Size 0 to 25 lakhs 95.0 25 to 50 lakhs 5.0 > 50 lakhs 0	-	-
Loan to Value Split	Loan to Value Split Up to 50% 49.5 50-80% 46.53 >80% 3.96 Others 0.01	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Housing 100.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-
Rural vs Urban	Rural vs Urban Rural 82.0 Urban 18.0	-	-

Star Housing Finance Ltd.

Star Housing Finance Ltd.

Financial

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