Cholamandalam Financial Holdings Ltd. benchmarking: Perfomance to industry peers

Financial

	Cholamandalam Fin.	Manappuram Finance	Poonawalla Fincorp
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	16.54 %	16.74 %	2.02 %
5yr average Equity Multiplier	16.67	4.15	3.83
5yr Average Asset Turnover Ratio	0.15	0.18	0.12
5yr Avg Net Profit Margin	6.69 %	21.68 %	17.47 %
Price to Book	2.31	2.04	3.88
P/E	13.36	63.52	109.62
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	46.38 %	35.25 %	63.95 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.23 %	0.05 %	1.9 %
Change in Mutual Fund Holding (3 Yrs)	-4.65 %	-1.74 %	2.24 %

Business

	Cholamandalam Fin.	Manappuram Finance	Poonawalla Fincorp
Product Wise Break-Up	Product Wise Break-Up Interest Income 75.78 Premium income (net of re-insurance) 16.91 Fee & Commission income 5.69 Dividend 0.07 Service Income 0.01 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 1.54	-	Product Wise Break-Up Dividend 0 0 COMMERCIAL VEHICLE 0 Premium income (net of re-insurance) 0 0 Fee & Commission income 0 Auto Lease 0 CONSTRUCTION EQUIPMENT 0 Service Income 0 MORTGAGE 0 Pre-owned vehicles 11.0 Small & Medium Enterprises (SME) loans 36.0 CAR AND UTILITY VEHICLE 0 TRACTOR 0 Affordable Housing 0 Interest Income 0 Others 53.0
Segment Break-Up	Segment Break-Up Financial Services 78.58 Insurance 21.38 Microfinance 0 Gold loan & others 0 Others 0.04	Segment Break-Up Gold Loan 87.14 Microfinance Services 12.86 Insurance 0 Financial Services 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 North India 0 West India 0 South India 0	Location Wise Break-Up West India 9.72 North India 16.82 South India 63.13 India 0 East India 10.32 Others 0.01	Location Wise Break-Up West India 31.0 North India 26.0 South India 30.0 India 0 East India 13.0
Borrowings Break-Up	Borrowings Break-Up Rupee Loans 91.11 External Commercial Borrowings 5.32 Loan From Banks 3.57 Foreign Currency Loans 0 NCDs 0 Commercial paper 0 Bank finance 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0	Borrowings Break-Up Loans repayable on demand (from banks) 0 Term loans (from banks) 0 NCD 9.0 Foreign Currency Loans 0 Banking 66.0 Rupee Loans 0 Commercial Papers 5.0 Loan From Banks 0 ECB 19.0 Others 1.0	Borrowings Break-Up Loan From Banks 23.39 Loan From Banks 33.56 NCDs 0 Foreign Currency Loans 0 Bank finance 0 Rupee Loans 0 Commercial paper 0 Loan From Banks 0 External Commercial Borrowings 0 Others 43.05
Profit Before Tax	Profit Before Tax Financial Services 93.19 Insurance 6.65 Others 0.16	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

Financial

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