Cholamandalam Financial Holdings Ltd. benchmarking: Performance to industry peers

Financial

	Cholamandalam Fin.	Manappuram Finance	Capri Global Capital
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 %	9.02 %
5yr average Equity Multiplier	16.67	4.15	3.98
5yr Average Asset Turnover Ratio	0.15	0.18	0.13
5yr Avg Net Profit Margin	6.69 %	21.68 %	17.15 %
Price to Book	1.9	1.9	3.46
P/E	12.03	30.44	26.25
5yr Avg Cash Conversion Cycle	2.3 Days	n/a	10.98 Days
Inventory Days	0.0	n/a	0.0
Days Receivable	2.3 Days	n/a	10.98 Days
Days Payable	31.62 Days	n/a	0.0
5yr Average Interest Coverage Ratio	1.59	n/a	1.61
5yr Avg ROCE	10.75 %	n/a	9.47 %
5yr Avg Operating Profit Margin	53.24 %	n/a	62.0 %
5 yr average Debt to Equity	12.46	n/a	2.63
5yr CAGR Net Profit	21.39 %	n/a	22.01 %
5yr Average Return on Assets	0.99 %	n/a	2.27 %
Shareholdings
Promoter Holding	46.38 %	31.77 %	59.92 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.02 %	-3.43 %	-9.99 %
Change in Mutual Fund Holding (3 Yrs)	-2.08 %	0.41 %	5.49 %

Business

	Cholamandalam Fin.	Manappuram Finance	Capri Global Capital
Product Wise Break-Up	Product Wise Break-Up Interest Income 76.41 Premium income (net of re-insurance) 16.37 Fee & Commission income 6.72 Dividend 0.12 Service Income 0.01 0 0 Net gain on fair value changes 0 Fee and commission income 0 Interest income 0 Others 0.37	-	Product Wise Break-Up Premium income (net of re-insurance) 0 Fee & Commission income 13.05 Dividend 0 Net gain on fair value changes 0 Fee & Commission income 0 Service Income 0 0 0 Interest Income 78.48 Interest Income 0 Others 8.47
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 88.26 Financial Services 0 Microfinance Services 11.21 Insurance 0 Others 0.53	-
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 South India 63.13 East India 10.32 North India 16.82 India 0 West India 9.72 Others 0.01	Location Wise Break-Up South India 0 East India 0 North India 0 India 100.0 West 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 NCDs 0 Commercial paper 0 Bank finance 0 Debt Securities 0 Term Loans from Banks 0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0	Borrowings Break-Up Debt Securities 0 Banking 64.0 From Banks (Cash Credit) 0 From Banks (Overdraft) 0 Loan From Banks 0 Commercial Papers 7.0 Foreign Currency Loans 0 Term Loans from Banks 0 Rupee Loans 0 NCDs 0 ECB 22.0 Others 7.0	Borrowings Break-Up Debt Securities 3.27 Bank finance 0 Loan From Banks 2.53 From Banks (Overdraft) 0 Loan From Banks 0 Commercial paper 0 Foreign Currency Loans 0 Loan From Banks 94.03 Rupee Loans 0 NCDs 0 External Commercial Borrowings 0 Others 0.17
Profit Before Tax	Profit Before Tax Financial Services 97.68 Insurance 0 Others 2.32	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

Financial

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