Can Fin Homes Ltd. benchmarking: Perfomance to industry peers

Financial

	Can Fin Homes	Home First Finance	Sammaan Capital
Operational Metrics
Banks
Net Interest Margin	4.02 %	5.4 %	5.5 %
NBFC
Cost To Income Ratio	18.55 %	32.0 %	20.8 %
Cost of Borrowing	7.17 %	8.1 %	8.1 %
AUM - NBFC	39657.0 Crs	14178.1 Crs	64004.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.08 %	48.4 %	34.8 %
Tier I Capital	24.31 %	n/a	31.2 %
Gross NPA	0.94 %	1.9 %	1.4 %
Net NPA	0.48 %	n/a	0.8 %
Yield On Advances	10.08 %	13.3 %	n/a
Financials
5 yr Average ROE	16.8 %	12.24 %	3.78 %
5yr average Equity Multiplier	8.63	3.95	4.35
5yr Average Asset Turnover Ratio	0.09	0.12	0.12
5yr Avg Net Profit Margin	22.45 %	26.48 %	6.31 %
5yr Avg Net Profit Margin	22.45 %	26.48 %	6.31 %
5yr CAGR Net Profit	13.44 %	30.71 %	n/a
5yr CAGR Sales	13.96 %	25.77 %	-1.28 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.25	2.99	0.53
P/E	13.33	26.51	9.37
Shareholdings
Promoter Holding	29.99 %	12.39 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-21.13 %	-9.59 %
Change in Mutual Fund Holding (3 Yrs)	-7.05 %	19.43 %	9.17 %

Business

	Can Fin Homes	Home First Finance	Sammaan Capital
Product Wise Break-Up	Product Wise Break-Up Home loans 86.89 Loan Against Property 6.97 Loan From Banks 4.82 Loans for Sites 0.95 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Fees & Commission Income 0 Interest Income 0 Others 0.37	Product Wise Break-Up Net gain on derecognition of financial assets carried at fair value 4.29 Interest Income 0 Loans for Sites 0 Fees & Commission Income 0 Interest Income 85.71 Home loans 0 Fee & Commission income 4.47 Loan From Banks 0 Loan Against Property 0 Others 5.53	Product Wise Break-Up Net gain on fair value charge 0 Interest Income 65.14 Loans for Sites 0 Fees & Commission Income 2.59 Interest income 0 Home loans 0 Fees & commission 0 Loan From Banks 0 Loan Against Property 0 Others 32.27
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 57.0 Debenture 22.0 National Housing Bank 14.0 Commercial Papers 6.0 Deposits 1.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Loans & Advances from Related parties 0 Term Loans 0 Debentures and Securities 0 Bank Loans 0 Sell Down 0 ECB(External commercial borrowing) 0	-	Borrowing Break-Up - NBFC Loans & Advances from Related parties 0 Deposits 0 Bank Loan 28.0 Sell Down 35.0 Commercial Papers 0 ECB 1.0 National Housing Bank 0 Term Loans 0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Loan From Banks 0 Debenture 36.0 Debenture 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 0 Others 100	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Salaried 70.0 Self Employed 30.0 Corporates and Others 0 Self Employed 0 Salaried 0	Customer Segment Self Employed 32.0 Corporates and Others 0 Salaried 68.0	-
AUM Break-Up	AUM Break-Up Construction 61.0 Mortgage & LAP 9.0 Flat 6.0 Resale 5.0 Rennovation 2.0 Business Loans 0 Corporate Mortgage Loans 0 Mortgage Loans 0 Others 17.0	-	AUM Break-Up Resale 0 Business Loans 18.0 Construction 0 Rennovation 0 Corporate Banking 29.0 Loan Against Property 53.0 Mortgage & LAP 0 Flat 0

Can Fin Homes Ltd.

Can Fin Homes Ltd.

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