Fedbank Financial Services Ltd benchmarking: Perfomance to industry peers

Financial

	Fedbank Financial	Northern ARC Capital	Sindhu Trade Links
Operational Metrics
Banks
Net Interest Margin	9.5 %	8.9 %	n/a
Net NPA	1.3 %	0.56 %	n/a
Capital to Risks Assets Ratio (CRAR)	21.6 %	24.72 %	n/a
Gross NPA	1.9 %	1.13 %	n/a
NBFC
AUM - NBFC	16136.0 Crs	13351.0 Crs	n/a
Cost To Income Ratio	56.9 %	n/a	n/a
Cost of Borrowing	8.4 %	8.9 %	n/a
Tier I Capital	14.7 %	23.48 %	n/a
Financials
5 yr Average ROE	9.87 %	9.63 %	0.33 %
5yr average Equity Multiplier	5.8	4.38	3.24
5yr Average Asset Turnover Ratio	0.14	0.14	0.33
5yr Avg Net Profit Margin	12.55 %	15.16 %	0.02 %
5yr Avg Net Profit Margin	12.55 %	15.16 %	0.02 %
5yr CAGR Net Profit	29.56 %	35.16 %	n/a
5yr CAGR Sales	24.41 %	32.52 %	19.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.01	1.25	2.26
P/E	22.18	16.05	53.07
Shareholdings
Promoter Holding	60.88 %	0.0	74.97 %
Share Pledged by Promoters	0.0	0.0	0.28 %
Change in Promoter Holding (3 Yrs)	-21.71 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.03 %	0.6 %	0.0

Business

	Fedbank Financial	Northern ARC Capital	Sindhu Trade Links
Segment Break-Up	Segment Break-Up Retail Finance 93.87 Distribution 1.97 Whole Sale Finance 0.01 Portfolio Management Services 0 Investment Management services 0 Investment Advisory Services 0 Financing Activity 0 Others 4.15	Segment Break-Up Whole Sale Finance 0 Investment Advisory Services 0 Financing Activity 92.14 Retail Finance 0 Distribution 0 Investment Management services 1.78 Portfolio Management Services 0.82 Others 5.26	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	-	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Finance 76.98 Distribution 0.54 Whole Sale Finance 0 Power Generation 0 Finance & Investment 0 Oil & Lubricants & Spares 0 Transportation & Logistics 0 Others 22.48	-	Operating Profit Break-Up Whole Sale Finance 0 Transportation & Logistics 50.5 Finance & Investment 0 Power Generation 0 Retail Finance 0 Distribution 0 Oil & Lubricants & Spares 0 Others 49.5
AUM Break-Up	AUM Break-Up Mortgage 54.51 Gold Loan 41.71 Business Loan 2.32 Agriculture Loan 0 Affordable housing finance 0 Vehicle finance 0 Consumer finance 0 MFI 0 MSME 0 Others 1.46	AUM Break-Up Vehicle finance 6.2 Gold Loan 0 Mortgage 0 MFI 23.16 Agriculture Loan 1.39 Consumer finance 26.58 Affordable housing finance 2.88 MSME 39.8 Business Loan 0	-
Borrowings Break-Up	Borrowings Break-Up Bank 79.76 Term loans from other Parties 10.86 Term loan from Related Party 9.38 Debt securities 0 0 Loan from Directors 0 ICD Taken 0 Bills Discounting HDFC Bank 0 CC from HDFC Bank 0 CC from IndusInd Bank Limited 0 CC From ICICI Bank Limited 0 From Banks 0	-	Borrowings Break-Up Bank 0 Current maturities of long term borrowings 36.95 Loan From Banks 1.34 Term loans from other Parties 0 Bills Discounting HDFC Bank 0 Term loan from Related Party 0 Debt securities 0 From Banks 0 ICD Taken 0 Loan From Banks 2.17 Loan From Banks 4.8 Loan from Directors 0 Others 54.74
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Finance 99.8 Distribution 0.12 Whole Sale Finance 0 Portfolio Management Services 0 Investment Management services 0 Investment Advisory Services 0 Financing Activity 0 Others 0.08	Asset Break-Up - Segment Wise Whole Sale Finance 0 Investment Advisory Services 0.03 Financing Activity 97.96 Retail Finance 0 Distribution 0 Investment Management services 1.41 Portfolio Management Services 0 Others 0.6	-
NPA Break-Up	NPA Break-Up Mortgage 85.72 Gold Loan 8.68 Business Loan 5.6	-	-

Fedbank Financial Services Ltd

Fedbank Financial Services Ltd

Financial

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