Cholamandalam Financial Holdings Ltd. benchmarking: Perfomance to industry peers

Financial

	Cholamandalam Fin.	Poonawalla Fincorp	Mah & Mah Finl. Serv
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	16.54 %	2.02 %	8.6 %
5yr average Equity Multiplier	16.67	3.83	5.74
5yr Average Asset Turnover Ratio	0.15	0.12	0.13
5yr Avg Net Profit Margin	6.69 %	17.47 %	11.45 %
Price to Book	2.91	4.06	1.68
P/E	16.54	183.98	16.9
5yr Avg Cash Conversion Cycle	2.3 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	2.3 Days	n/a	n/a
Days Payable	31.62 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.59	n/a	n/a
5yr Avg ROCE	10.75 %	n/a	n/a
5yr Avg Operating Profit Margin	53.24 %	n/a	n/a
5 yr average Debt to Equity	12.46	n/a	n/a
5yr CAGR Net Profit	21.39 %	n/a	n/a
5yr Average Return on Assets	0.99 %	n/a	n/a
Shareholdings
Promoter Holding	46.42 %	63.96 %	52.49 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.19 %	2.46 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	-5.04 %	1.45 %	7.17 %

Business

	Cholamandalam Fin.	Poonawalla Fincorp	Mah & Mah Finl. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 74.8 Premium income (net of re-insurance) 16.34 Fee & Commission income 5.77 Dividend 0.06 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 3.03	Product Wise Break-Up MORTGAGE 0 CAR AND UTILITY VEHICLE 0 Service Income 0 Pre-owned vehicles 11.0 Affordable Housing 0 0 Dividend 0 Auto Lease 0 CONSTRUCTION EQUIPMENT 0 Fee & Commission income 0 COMMERCIAL VEHICLE 0 Small & Medium Enterprises (SME) loans 36.0 Premium income (net of re-insurance) 0 TRACTOR 0 0 Interest Income 0 Others 53.0	-
Segment Break-Up	Segment Break-Up Financial Services 77.51 Insurance 22.46 Others 0.03	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 South India 0 North India 0 Central India 0	Location Wise Break-Up Central India 0 South India 30.0 West India 31.0 East India 13.0 India 0 North India 26.0	Location Wise Break-Up Central India 10.0 South India 19.0 West India 18.0 East India 20.0 India 0 North India 33.0
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 (from banks) 0 Term loans (from banks) 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0	Borrowings Break-Up Foreign Currency Loans 0 Loans from corporates 0 Rupee Loans 0 Loan From Banks 23.39 Loan From Banks 33.56 Loan From Banks 0 Term loans 0 External Commercial Borrowings 0 Loans repayable on demand 0 Others 43.05	Borrowings Break-Up Foreign Currency Loans 0 Loans from corporates 0 Rupee Loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Loan From Banks 0 Loan From Banks 99.95 External Commercial Borrowings 0 Loans repayable on demand from banks 0.04 Others 0.01
Profit Before Tax	Profit Before Tax Financial Services 90.35 Insurance 9.48 Others 0.17	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

Financial

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