TruCap Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	TruCap Finance	Assam Entrade	Sonal Mercantile
Operational Metrics
Banks
Net Interest Margin	7.0 %	n/a	n/a
NBFC
Tier I Capital	34.38 %	n/a	n/a
Cost To Income Ratio	52.5 %	n/a	n/a
Cost of Borrowing	13.0 %	n/a	n/a
AUM - NBFC	598.6 Crs	n/a	n/a
Gross NPA	5.5 %	n/a	n/a
Net NPA	3.4 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	24.0 %	n/a	n/a
Software Services
Active Clients	43201.0 .	n/a	n/a
Unclassified
Average Ticket Size - NBFC	80.0 Ths	n/a	n/a
Financials
5 yr Average ROE	-5.49 %	3.1 %	7.28 %
5yr average Equity Multiplier	3.27	1.07	1.87
5yr Average Asset Turnover Ratio	0.19	0.1	0.05
5yr Avg Net Profit Margin	-2.64 %	29.41 %	75.98 %
Price to Book	0.95	1.76	0.37
P/E	0.0	75.73	4.24
5yr Avg Cash Conversion Cycle	91.43 Days	180.3 Days	n/a
Inventory Days	0.0	152.0 Days	n/a
Days Receivable	91.43 Days	0.0	n/a
Days Payable	5.98 Days	16.2 Days	n/a
5yr Average Interest Coverage Ratio	1.09	204.52	n/a
5yr Avg ROCE	14.07 %	4.11 %	n/a
5yr Avg Operating Profit Margin	39.18 %	18.27 %	n/a
5 yr average Debt to Equity	2.19	0.01	n/a
5yr CAGR Net Profit	n/a	16.45 %	n/a
5yr Average Return on Assets	-1.17 %	2.9 %	n/a
Shareholdings
Promoter Holding	30.96 %	53.18 %	24.92 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-34.37 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.07 %	0.0	0.0

Business

	TruCap Finance	Assam Entrade	Sonal Mercantile
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.42 Fee & Commission income 5.93 Net gain on fair value changes 0.66 Sale of products 0 Fees and Commission Income 0 Dividend Income 0	Product Wise Break-Up Fees and Commission Income 0 Sale of products 34.12 NBFC 65.62 Net gain on fair value changes 0 Dividend Income 0 Fee & Commission income 0 Others 0.26	Product Wise Break-Up Fees and Commission Income 0 Sale of products 0 Interest Income 0 Net gain on fair value changes 0 Dividend Income 0 Fee & Commission income 0 Others 100
Segment Break-Up	Segment Break-Up Fund Based activities 100.0 Advisory Services 0 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	Segment Break-Up Interest on Loans 56.42 Township Project 0 Advisory Services 0 Trading in Shares & Securities 29.34 Fund Based activities 0 Others 14.24	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Fund Based activities 86.28 Advisory 13.72 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	Operating Profit Break-Up Advisory 0 Interest on Loans 61.84 Township Project 0 Trading in Shares & Securities 22.55 Fund Based activities 0 Others 15.61	-
Verticals	Verticals Manufacturing 17.0 Consumer 15.0 Education 15.0 Salaried 12.0 Healthcare 8.0 Construction 7.0 Others 26.0	-	-
AUM Break-Up	AUM Break-Up MSME Loan 46.0 Gold Loan 34.0 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Others 20.0	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

TruCap Finance Ltd.

TruCap Finance Ltd.

Financial

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