Capital India Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Capital India	Finkurve Financial	Satin Creditcare
Operational Metrics
Banks
Gross NPA	0.98 %	n/a	n/a
Unclassified
Average Ticket Size - NBFC	2300.0 Ths	n/a	n/a
Financials
5 yr Average ROE	-0.7 %	7.37 %	5.23 %
5yr average Equity Multiplier	2.64	4.01	4.77
5yr Average Asset Turnover Ratio	0.34	1.28	0.2
5yr Avg Net Profit Margin	-0.38 %	13.72 %	5.49 %
Price to Book	2.23	6.98	0.6
P/E	35.58	70.06	11.66
5yr Avg Cash Conversion Cycle	-8458.38 Days	n/a	n/a
Inventory Days	0.87 Days	n/a	n/a
Days Receivable	5.59 Days	n/a	n/a
Days Payable	3138.69 Days	n/a	n/a
5yr Average Interest Coverage Ratio	0.84	n/a	n/a
5yr Avg ROCE	5.38 %	n/a	n/a
5yr Avg Operating Profit Margin	13.94 %	n/a	n/a
5 yr average Debt to Equity	1.23	n/a	n/a
5yr CAGR Net Profit	-30.56 %	n/a	n/a
5yr Average Return on Assets	-0.17 %	n/a	n/a
Shareholdings
Promoter Holding	72.84 %	56.26 %	36.17 %
Share Pledged by Promoters	0.0	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-0.2 %	3.4 %	-3.8 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	-2.17 %

Business

	Capital India	Finkurve Financial	Satin Creditcare
Loan Break-Up	Loan Break-Up Secured 85.89 Unsecured 14.11	-	-
Product Wise Break-Up	Product Wise Break-Up NBFC 41.02 NBFC 30.12 Sale Of Devices 23.84 NBFC 2.53 NBFC 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 0 Dividend Income 0 Interest income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Others 2.49	Product Wise Break-Up 0 Production 0 Remittance Bank Charses Received 0 NBFC 0 Sale Of Devices 0 Interest Income 70.81 Dividend Income 0 MSME 0 Interest income 0 Service/ Trade (ex. MSME) 0 Agri/ Allied Activities 0 Income from forex services 0 Fee and Commission 28.9 Others 0.29	Product Wise Break-Up Gain from derecognition of financial instrument 8.9 Production 0 Remittance Bank Charses Received 0 NBFC 0 Sale Of Devices 0 0 Dividend Income 0 MSME 0 Interest income 78.77 Service/ Trade (ex. MSME) 0 Agri/ Allied Activities 0 Income from forex services 0 Fee and Commission 0 Others 12.33
Segment Break-Up	Segment Break-Up Prepaid Payment Instrument 60.06 Lending 35.21 Forex Business 4.64 Others 0.09	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0 Rajasthan 0 Bihar 0 Punjab 0 Madhya Pradesh 0 Uttar Pradesh 0 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Assam 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 Haryana 0 West Bengal 0	Location Wise Break-Up MMR 0 Karnataka 0 Chhattisgarh 0 Madhya Pradesh 0 West Bengal 0 Tamil Nadu 0 Tripura 0 Rajasthan 0 Haryana 0 Bihar 0 Punjab 0 Pondicherry 0 Jharkhand 0 Assam 0 Uttar Pradesh 0 Maharashtra 0 India 100.0 NCR 0 Gujarat 0	Location Wise Break-Up MMR 0 Karnataka 0 Chhattisgarh 0 Madhya Pradesh 6.6 West Bengal 6.2 Tamil Nadu 0 Tripura 0 Rajasthan 5.7 Haryana 3.6 Bihar 14.6 Punjab 6.6 Pondicherry 0 Jharkhand 0 Assam 3.9 Uttar Pradesh 26.9 Maharashtra 0 India 0 NCR 5.6 Gujarat 0 Others 20.3
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.02 Auto loans 0.11 Inter corporate deposits 0 Unsecured Loan 0 Loan from Body Corporates 0 Others 31.87	Borrowings Break-Up Unsecured Loan 0 Inter corporate deposits 0 Loan From Banks 0 Loan from Body Corporates 0 Auto loans 0 Others 100	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Profit Before Tax	Profit Before Tax Lending Business 100.0 Forex 0 Prepaid Pending Instrument 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Small & Medium Enterprises (SME) loans 85.0 Mid-Corporates 11.0 Housing Finance 0 Business Correspondence 0 SFL 0 TFSL - Business Correspondence 0 MSME 0 Product Financing 0 MFI Lending 0 Others 4.0	-	AUM Break-Up - NBFC MFI Lending 85.2 Housing Finance 8.06 TFSL - Business Correspondence 0 Small & Medium Enterprises (SME) loans 0 MSME 6.5 Mid-Corporates 0 SFL 0 Product Financing 0 Business Correspondence 0.24

Capital India Finance Ltd.

Capital India Finance Ltd.

Financial

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