Can Fin Homes Ltd. benchmarking: Performance to industry peers

Financial

	Can Fin Homes	Aavas Financiers	Home First Finance
Operational Metrics
Banks
Net Interest Margin	4.19 %	8.45 %	5.9 %
NBFC
Cost To Income Ratio	19.84 %	45.9 %	32.5 %
Cost of Borrowing	7.07 %	7.62 %	7.9 %
AUM - NBFC	42209.0 Crs	23451.7 Crs	15877.7 Crs
Capital to Risks Assets Ratio (CRAR)	25.08 %	44.56 %	44.1 %
Tier I Capital	24.31 %	44.38 %	n/a
Gross NPA	0.85 %	1.05 %	1.8 %
Net NPA	0.37 %	0.68 %	n/a
Yield On Advances	9.99 %	12.82 %	13.1 %
Financials
5 yr Average ROE	16.8 %	12.54 %	13.27 %
5yr average Equity Multiplier	8.63	3.96	4.0
5yr Average Asset Turnover Ratio	0.09	0.12	0.12
5yr Avg Net Profit Margin	22.45 %	26.41 %	28.03 %
5yr Avg Net Profit Margin	22.45 %	26.41 %	28.03 %
5yr CAGR Net Profit	13.44 %	14.53 %	23.76 %
5yr CAGR Sales	13.96 %	17.47 %	26.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.0	3.16	2.89
P/E	11.04	18.23	23.32
Shareholdings
Promoter Holding	29.99 %	48.88 %	6.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	9.74 %	-23.22 %
Change in Mutual Fund Holding (3 Yrs)	-6.65 %	10.07 %	11.79 %

Business

	Can Fin Homes	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Home loans 85.63 Loan Against Property 8.02 Loan From Banks 4.9 Loans for Sites 1.06 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 0.39	Product Wise Break-Up Retail 99.6 Loan From Banks 0 Interest income 0 Home loans 0 Corporate 0.4 Fees & commission 0 Loans for Sites 0 Net gain on fair value charge 0 Loan Against Property 0	Product Wise Break-Up Retail 0 Loan From Banks 0 Interest Income 81.64 Home loans 0 Corporate 0 Fees & commission 0 Loans for Sites 0 Net gain on fair value charge 0 Loan Against Property 0 Others 18.36
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 63.0 Debenture 17.0 National Housing Bank 16.0 Commercial Papers 3.0 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 Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 0 Others 100
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Self Emplyoed 0 Salaried 0 Corporates and Others 0 Self Employed 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
AUM Break-Up	AUM Break-Up Construction 59.0 Mortgage & LAP 10.0 Flat 6.0 Resale 5.0 Rennovation 2.0 Others 18.0	-	-

Can Fin Homes Ltd.

Can Fin Homes Ltd.

Financial

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