Finkurve Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	Finkurve Financial	Saraswati Commercial	Capital India
Operational Metrics
NBFC
Capital to Risks Assets Ratio (CRAR)	47.14 %	n/a	n/a
Unclassified
Tier I Capital	67.76 %	n/a	n/a
Financials
5 yr Average ROE	7.37 %	9.19 %	-0.7 %
5yr average Equity Multiplier	4.01	1.13	2.64
5yr Average Asset Turnover Ratio	1.28	0.15	0.34
5yr Avg Net Profit Margin	13.72 %	54.2 %	-0.38 %
5yr Avg Net Profit Margin	13.72 %	54.2 %	n/a
5yr CAGR Net Profit	58.52 %	20.16 %	n/a
5yr CAGR Sales	-28.16 %	7.59 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	6.87	1.3	2.15
P/E	68.93	64.94	34.37
Shareholdings
Promoter Holding	56.26 %	73.99 %	72.84 %
Share Pledged by Promoters	19.04 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	3.4 %	1.67 %	-0.2 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Finkurve Financial	Saraswati Commercial	Capital India
Product Wise Break-Up	Product Wise Break-Up Interest Income 70.81 Fee and Commission 28.9 Remittance Bank Charses Received 0 Income from forex services 0 0 Sale Of Devices 0 Income from Forex Services 0 Fees and Commission Income 0 Interest Income 0 NBFC 0 Others 0.29	Product Wise Break-Up Fee and Commission 0 Interest Income 0 Sale Of Devices 0 Investments, trading in shares and securities & Lending Activities 100.0 NBFC 0 Remittance Bank Charses Received 0 Income from Forex Services 0 Fees and Commission Income 0 Income from forex services 0	Product Wise Break-Up Fee and Commission 0 NBFC 30.12 Sale Of Devices 23.84 0 NBFC 0 Remittance Bank Charses Received 0 NBFC 2.53 NBFC 41.02 Income from forex services 0 Others 2.49
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0	-	Location Wise Break-Up MMR 0 NCR 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Unsecured Loan 0 Loan from Body Corporates 0 Inter corporate deposits 0 Vehicle loans 0 Term loan from banks 0 Others 100	-	Borrowings Break-Up Unsecured Loan 0 Loan from Body Corporates 0 Inter corporate deposits 0 Loan From Banks 68.02 Auto loans 0.11 Others 31.87
Segment Wise Break-Up	Segment Wise Break-Up Financial Services 100.0	-	-