Five-Star Business Finance Ltd. benchmarking: Performance to industry peers

Financial

	Five Star Business	SBFC Finance	Religare Enterprises
Operational Metrics
Banks
Net NPA	1.94 %	1.48 %	n/a
Net Interest Margin	16.04 %	10.33 %	n/a
NBFC
AUM - NBFC	12960.0 Crs	10478.0 Crs	n/a
Gross NPA	3.18 %	n/a	n/a
Cost To Income Ratio	41.93 %	57.19 %	n/a
Tier I Capital	69.93 %	n/a	n/a
Unclassified
Capital to Risks Assets Ratio (CRAR)	51.63 %	31.7 %	n/a
Financials
5 yr Average ROE	11.63 %	8.26 %	280.34 %
5yr average Equity Multiplier	2.32	3.09	-34.12
5yr Average Asset Turnover Ratio	0.18	0.13	0.51
5yr Avg Net Profit Margin	29.63 %	20.59 %	0.61 %
5yr Avg Net Profit Margin	29.63 %	20.59 %	n/a
5yr CAGR Net Profit	73.66 %	39.86 %	n/a
5yr CAGR Sales	64.84 %	19.64 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.57	2.87	2.57
P/E	9.61	26.48	72.5
Shareholdings
Promoter Holding	18.56 %	52.82 %	26.27 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-16.31 %	-11.23 %	26.27 %
Change in Mutual Fund Holding (3 Yrs)	9.4 %	4.46 %	2.98 %

	Five Star Business	SBFC Finance	Religare Enterprises
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
Borrowings Break-Up	Borrowings Break-Up Term Loans 57.0 Borrowings under Securitisation 19.0 Non-Convertible Debentures 9.0 External commercial borrowing 1.0 Loans repayable on demand 0 Un Secured 0 Secured 0 Others 14.0	-	Borrowings Break-Up Term Loans 0 Loans repayable on demand 0 Secured 92.77 Borrowings under Securitisation 0 Un Secured 7.23 External commercial borrowing 0 Non-Convertible Debentures 0
Segment Wise Break-Up	Segment Wise Break-Up Loans 100.0	-	-