Finkurve Financial Services Ltd. benchmarking: Performance to industry peers

Financial

	Finkurve Financial	Capital India	CSL Finance
Operational Metrics
NBFC
Capital to Risks Assets Ratio (CRAR)	47.14 %	n/a	43.1 %
Unclassified
Tier I Capital	67.76 %	n/a	n/a
Financials
5 yr Average ROE	7.37 %	0.77 %	12.05 %
5yr average Equity Multiplier	4.01	2.64	1.9
5yr Average Asset Turnover Ratio	1.28	0.34	0.16
5yr Avg Net Profit Margin	13.72 %	-0.38 %	40.03 %
5yr Avg Net Profit Margin	13.72 %	n/a	40.03 %
5yr CAGR Net Profit	58.52 %	n/a	21.23 %
5yr CAGR Sales	-28.16 %	n/a	28.42 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.81	1.41	0.93
P/E	34.74	24.59	6.33
Shareholdings
Promoter Holding	56.24 %	72.59 %	47.56 %
Share Pledged by Promoters	19.04 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	3.38 %	-0.45 %	-3.77 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Finkurve Financial	Capital India	CSL Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 81.34 Fee and Commission 17.56 Remittance Bank Charses Received 0 Income from forex services 0 Sale Of Devices 0 Income from Forex Services 0 Fees and Commission Income 0 Interest Income 0 NBFC 0 Fees & Commission Income 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Interest 0 Others 1.1	Product Wise Break-Up NBFC 2.06 Loans written off earlier now recovered 0 Fee and Commission 0 NBFC 0 Processing Fees Retail 0 Processing Fees SME 0 NBFC 37.39 Processing Fees Wholesale 0 Sale Of Devices 22.11 Interest 0 Income from forex services 0 Fees & Commission Income 0 Remittance Bank Charses Received 0 NBFC 35.11 Others 3.33	Product Wise Break-Up Income from Forex Services 0 Loans written off earlier now recovered 1.47 Fee and Commission 0 NBFC 0 Processing Fees Retail 0 Processing Fees SME 0 Fees and Commission Income 0 Processing Fees Wholesale 0 Sale Of Devices 0 Interest Income 95.52 Income from forex services 0 Fee Income 3.0 Remittance Bank Charses Received 0 Interest Income 0 Others 0.01
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0	Location Wise Break-Up NCR 0 India 100.0 MMR 0	Location Wise Break-Up NCR 0 India 100.0 MMR 0
Borrowings Break-Up	Borrowings Break-Up Loans repayable on demand 54.72 Unsecured Loan 0 Loan from Body Corporates 0 Inter corporate deposits 0 Vehicle loans 0 Term loan from banks 0 Term Loan from Bank 0 Others 45.28	Borrowings Break-Up Loan from Body Corporates 0 Auto loans 0.11 Loans repayable on demand 0 Loan From Banks 68.02 Unsecured Loan 0 Term Loan from Bank 0 Inter corporate deposits 0 Others 31.87	Borrowings Break-Up Loan from Body Corporates 0 Vehicle loans 0 Loans repayable on demand from banks 3.51 Term loan from banks 0 Unsecured Loan 0 Loan From Banks 68.47 Inter corporate deposits 0 Others 28.02
Segment Wise Break-Up	Segment Wise Break-Up Financial Services 100.0	-	-

Finkurve Financial Services Ltd.

Finkurve Financial Services Ltd.

Financial

Business

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