Finkurve Financial Services Ltd. benchmarking: Performance to industry peers

Financial

	Finkurve Financial	Capital India Fin.	Saraswati Commercial
Operational Metrics
NBFC
Capital to Risks Assets Ratio (CRAR)	31.0 %	n/a	n/a
Unclassified
Tier I Capital	67.76 %	n/a	n/a
Financials
5 yr Average ROE	7.37 %	0.77 %	9.19 %
5yr average Equity Multiplier	4.01	2.64	1.13
5yr Average Asset Turnover Ratio	1.28	0.34	0.15
5yr Avg Net Profit Margin	13.72 %	-0.38 %	54.2 %
5yr Avg Net Profit Margin	13.72 %	n/a	54.2 %
5yr CAGR Net Profit	58.52 %	n/a	20.16 %
5yr CAGR Sales	-28.16 %	n/a	7.59 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.77	1.32	0.99
P/E	35.05	22.04	11.81
Shareholdings
Promoter Holding	56.24 %	72.59 %	74.88 %
Share Pledged by Promoters	19.04 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	1.64 %	-0.45 %	2.56 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Finkurve Financial	Capital India Fin.	Saraswati Commercial
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 0 Others 1.1	Product Wise Break-Up NBFC 37.39 Fee and Commission 0 NBFC 35.11 Income from forex services 0 NBFC 0 NBFC 2.06 0 Remittance Bank Charses Received 0 Sale Of Devices 22.11 Others 3.33	Product Wise Break-Up Fees and Commission Income 0 Fee and Commission 0 Interest Income 0 Income from forex services 0 NBFC 0 Income from Forex Services 0 Investments, trading in shares and securities & Lending Activities 100.0 Remittance Bank Charses Received 0 Sale Of Devices 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0	Location Wise Break-Up MMR 0 India 100.0 NCR 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 Inter corporate deposits 0 Loan from Body Corporates 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	-	-