Can Fin Homes Ltd. benchmarking: Perfomance to industry peers

Financial

	Can Fin Homes	Home First Finance	Aavas Financiers
Operational Metrics
Banks
Net Interest Margin	4.02 %	5.2 %	7.48 %
NBFC
Cost To Income Ratio	18.55 %	34.2 %	46.3 %
Cost of Borrowing	7.17 %	8.4 %	8.02 %
AUM - NBFC	39657.0 Crs	13478.7 Crs	20739.7 Crs
Capital to Risks Assets Ratio (CRAR)	25.08 %	49.6 %	43.2 %
Tier I Capital	24.31 %	n/a	44.38 %
Gross NPA	0.94 %	1.8 %	1.22 %
Net NPA	0.48 %	n/a	0.84 %
Yield On Advances	10.08 %	13.4 %	13.13 %
Financials
5 yr Average ROE	16.8 %	12.24 %	12.54 %
5yr average Equity Multiplier	8.63	3.95	3.96
5yr Average Asset Turnover Ratio	0.09	0.12	0.12
5yr Avg Net Profit Margin	22.45 %	26.48 %	26.41 %
5yr Avg Net Profit Margin	22.45 %	26.48 %	26.41 %
5yr CAGR Net Profit	13.44 %	30.71 %	14.53 %
5yr CAGR Sales	13.96 %	25.77 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.11	5.16	3.0
P/E	12.5	31.46	22.29
Shareholdings
Promoter Holding	29.99 %	12.39 %	48.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-21.13 %	9.8 %
Change in Mutual Fund Holding (3 Yrs)	-7.05 %	19.43 %	3.89 %

Business

	Can Fin Homes	Home First Finance	Aavas Financiers
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 Corporate 0 Retail 0 Others 0.37	Product Wise Break-Up Loan From Banks 0 Loan Against Property 0 Corporate 0 Retail 0 Loans for Sites 0 Net gain on derecognition of financial assets carried at fair value 3.06 Home loans 0 Interest Income 84.74 Fee & Commission income 4.24 Others 7.96	Product Wise Break-Up Loan From Banks 0 Loan Against Property 0 Corporate 0.4 Retail 99.6 Loans for Sites 0 Net gain on fair value charge 0 Home loans 0 Interest income 0 Fees & commission 0
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	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 0 Rest of the World 0 Others 100	Location Wise Break-Up India 100.0 Rest of the World 0
Customer Segment	Customer Segment Salaried 70.0 Self Employed 30.0 Corporates and Others 0 Self Employed 0 Salaried 0 Self Emplyoed 0	Customer Segment Corporates and Others 0 Salaried 68.0 Self Employed 32.0 Self Emplyoed 0	Customer Segment Corporates and Others 0 Salaried 40.0 Self Employed 0 Self-Employed 60.0
AUM Break-Up	AUM Break-Up Construction 61.0 Mortgage & LAP 9.0 Flat 6.0 Resale 5.0 Rennovation 2.0 Others 17.0	-	-

Can Fin Homes Ltd.

Can Fin Homes Ltd.

Financial

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