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

Financial

	Five Star Business	IFCI	SBFC Finance
Operational Metrics
Banks
Net NPA	2.0 %	n/a	1.54 %
Net Interest Margin	20.07 %	-5.9 %	10.24 %
NBFC
AUM - NBFC	13224.6 Crs	n/a	11270.0 Crs
Gross NPA	3.37 %	49.1 %	n/a
Cost To Income Ratio	44.71 %	n/a	57.19 %
Tier I Capital	69.93 %	-48.36 %	n/a
Unclassified
Capital to Risks Assets Ratio (CRAR)	51.63 %	-48.4 %	32.84 %
Financials
5 yr Average ROE	11.63 %	0.85 %	9.03 %
5yr average Equity Multiplier	2.32	4.33	3.07
5yr Average Asset Turnover Ratio	0.18	0.1	0.14
5yr Avg Net Profit Margin	29.63 %	-41.97 %	21.84 %
5yr Avg Net Profit Margin	29.63 %	-41.97 %	21.84 %
5yr CAGR Net Profit	73.66 %	n/a	47.52 %
5yr CAGR Sales	64.84 %	1.63 %	25.8 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.19	2.25	2.74
P/E	14.69	111.04	22.63
Shareholdings
Promoter Holding	18.61 %	72.57 %	52.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-16.26 %	6.22 %	-11.7 %
Change in Mutual Fund Holding (3 Yrs)	12.01 %	0.12 %	4.98 %

	Five Star Business	IFCI	SBFC Finance
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	-
Borrowings Break-Up	Borrowings Break-Up Term Loans 64.0 TL from DFI 10.0 Mutual Fund 5.0 NBFC 5.0 ECB 0 NCD 0 Loans repayable on demand 0 Borrowings under Securitisation 0 Subordinate Bonds 0 NCDs 0 Private Placement Bonds 0 Tax Free Bonds 0 Foreign Currency(KFW Line) 0 Public NCDs 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Bank Loan 0 Others 16.0	Borrowings Break-Up Term Loans 0 ECB 0 Public NCDs 12.18 Infrastructure Bonds 4.45 Private Placement Bonds 32.27 Mutual Fund 0 Foreign Currency Borrowings 2.63 Zero Coupon Bonds 1.39 NCD 0 TL from DFI 0 Subordinate Bonds 8.11 NBFC 0 Loans repayable on demand 0 Tax Free Bonds 1.91 Bank Loan 32.01 NCD 5.05 Borrowings under Securitisation 0	-
Segment Wise Break-Up	Segment Wise Break-Up Loans 100.0	-	-