Aptus Value Housing Finance India Ltd. benchmarking: Perfomance to industry peers

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banks
Net Interest Margin	13.4 %	7.81 %	5.4 %
NBFC
Tier I Capital	71.08 %	44.38 %	n/a
Cost of Borrowing	8.4 %	7.85 %	8.1 %
AUM - NBFC	11767.0 Crs	21360.0 Crs	14178.1 Crs
Capital to Risks Assets Ratio (CRAR)	69.2 %	46.42 %	48.4 %
Gross NPA	1.55 %	1.24 %	1.9 %
Net NPA	1.17 %	0.85 %	n/a
Unclassified
Tier 2 Capital	0.23 %	n/a	n/a
Yield On Advances	17.3 %	13.08 %	13.3 %
Financials
5 yr Average ROE	14.98 %	12.54 %	12.24 %
5yr average Equity Multiplier	2.29	3.96	3.95
5yr Average Asset Turnover Ratio	0.15	0.12	0.12
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr CAGR Net Profit	22.99 %	14.53 %	30.71 %
5yr CAGR Sales	22.26 %	17.47 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.98	2.97	3.03
P/E	16.45	21.46	26.9
Shareholdings
Promoter Holding	23.87 %	48.96 %	12.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-38.34 %	9.8 %	-21.13 %
Change in Mutual Fund Holding (3 Yrs)	20.1 %	3.89 %	19.43 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 86.89 Fees 2.78 Others 1.14 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 9.19	Product Wise Break-Up Net gain on fair value charge 0 Interest income 0 Fees & commission 0 Interest Income 0 Fees 0 Others 0 Retail 99.6 Corporate 0.4	Product Wise Break-Up Net gain on derecognition of financial assets carried at fair value 3.06 Interest Income 84.74 Fee & Commission income 4.24 Interest Income 0 Fees 0 Others 0 Retail 0 Corporate 0 Others 7.96
Loan Break-Up	Loan Break-Up Housing Finance 70.0 Quasi HL 23.0 Insurance Loans 4.0 Top Up Loans 0 Business Loan 0 Loan Against Property 0 Mortgage loan 0 Others 3.0	Loan Break-Up Loan Against Property 0 Top Up Loans 0 Quasi HL 0 Insurance Loans 0 Housing Finance 0 Business Loan 0 Loan Against Property 13.0 Others 87.0	Loan Break-Up Loan Against Property 16.0 Top Up Loans 0 Quasi HL 0 Insurance Loans 0 Housing Finance 0 Business Loan 0 Mortgage loan 0 Others 84.0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 42.69 Tamil Nadu 32.06 Telangana 16.78 Karnataka 7.74 India 0 Others 0.73	Location Wise Break-Up India 100.0 Karnataka 0 Tamil Nadu 0 Andhra Pradesh 0 Telangana 0	Location Wise Break-Up India 0 Karnataka 6.1 Tamil Nadu 12.6 Andhra Pradesh 5.6 Telangana 8.4 Others 67.3
Customer Segment	Customer Segment Self Employed 79.0 Salaried 21.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Salaried 39.0 Corporates and Others 0 Self-Employed 61.0 Self Employed 0	Customer Segment Salaried 68.0 Corporates and Others 0 Self Emplyoed 0 Self Employed 32.0
Borrowings Break-Up	Borrowings Break-Up Banks 55.7 NCD 18.7 NHB 13.0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 12.6	Borrowings Break-Up Banks 0 Co-lending 0 NHB 0 NBFC 0 Loan From Banks 50.0 NHB 14.0 NCD 10.0 PSU Banks 0 DA 0 Assignment 25.0 NCD 0 Private Banks 0 Others 1.0	Borrowings Break-Up Banks 0 Co-lending 4.0 NHB 16.0 NBFC 1.0 Term Loans 0 NHB Refinancing 0 NCDs 0 PSU Banks 36.0 DA 15.0 Assignment 0 NCD 2.0 Private Banks 24.0 Others 2.0
Ticket Size	Ticket Size <10lks 93.0 10-20 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 20-25 Lakhs 0 Others 7.0	-	Ticket Size <10lks 0 20-25 Lakhs 12.0 10-20 Lakhs 0 >25 Lakhs 14.0 <10 Lakhs 0 Others 74.0
NPA Break-Up	NPA Break-Up Business Loan 49.75 Housing Finance 43.55 Loan Against Property 6.7	-	-

Aptus Value Housing Finance India Ltd.

Aptus Value Housing Finance India Ltd.

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