Cholamandalam Financial Holdings Ltd.

Financial

	Cholamandalam Fin.	Mah & Mah Finl. Serv	Poonawalla Fincorp
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	15.47 %	8.6 %	2.45 %
5yr average Equity Multiplier	16.37	5.74	4.08
5yr Average Asset Turnover Ratio	0.16	0.13	0.13
5yr Avg Net Profit Margin	6.22 %	11.45 %	18.15 %
Price to Book	3.25	1.74	4.44
P/E	18.71	16.59	0.0
5yr Avg Cash Conversion Cycle	3.88 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	3.88 Days	n/a	n/a
Days Payable	62.09 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.57	n/a	n/a
5yr Avg ROCE	10.64 %	n/a	n/a
5yr Avg Operating Profit Margin	51.82 %	n/a	n/a
5 yr average Debt to Equity	12.08	n/a	n/a
5yr CAGR Net Profit	26.33 %	n/a	n/a
5yr Average Return on Assets	0.95 %	n/a	n/a
Shareholdings
Promoter Holding	46.45 %	52.16 %	62.53 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.17 %	0.0	1.03 %
Change in Mutual Fund Holding (3 Yrs)	-4.78 %	7.46 %	-0.52 %

Business

	Cholamandalam Fin.	Mah & Mah Finl. Serv	Poonawalla Fincorp
Product Wise Break-Up	Product Wise Break-Up Interest Income 75.27 Premium income (net of re-insurance) 17.45 Fee & Commission income 6.0 Dividend 0.11 Service Income 0 0 0 MSME LOANS 0 Pre-owned vehicles 0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Others 1.17	-	Product Wise Break-Up 0 TRACTOR 0 CAR AND UTILITY VEHICLE 0 0 CONSTRUCTION EQUIPMENT 0 Auto Lease 0 MORTGAGE 0 Pre-owned vehicles 14.0 Service Income 0 Affordable Housing 0 Small & Medium Enterprises (SME) loans 36.0 Dividend 0 COMMERCIAL VEHICLE 0 Interest Income 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 Others 50.0
Segment Break-Up	Segment Break-Up Financial Services 77.7 Insurance 21.73 Others 0.57	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Central India 0 West India 0 South India 0 North India 0 East India 0	Location Wise Break-Up North India 33.0 South India 19.0 West India 18.0 East India 20.0 India 0 Central India 10.0	Location Wise Break-Up North India 26.0 South India 30.0 West India 31.0 East India 13.0 India 0 Central India 0
Borrowings Break-Up	Borrowings Break-Up Rupee Loans 91.11 External Commercial Borrowings 5.32 Loan From Banks 3.57 Foreign Currency Loans 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0	Borrowings Break-Up Loan from Body Corporates 0.16 Loan From Banks 0 Loans repayable on demand 0 Rupee Loans 0 Foreign Currency Loans 0 Term loans (from banks) 0 Loans repayable on demand (from banks) 0 Loan From Banks 99.47 External Commercial Borrowings 0 Others 0.37	Borrowings Break-Up Loans from corporates 0 Loan From Banks 0 Loans repayable on demand 0 Rupee Loans 0 Foreign Currency Loans 0 Loan From Banks 42.85 Loan From Banks 26.15 Term loans 0 External Commercial Borrowings 0 Others 31.0
Profit Before Tax	Profit Before Tax Financial Services 91.29 Insurance 8.63 Others 0.08	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

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