Fusion Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Operational Metrics
Banks
Capital to Risks Assets Ratio (CRAR)	31.31 %	47.0 %	26.1 %
Gross NPA	4.61 %	n/a	n/a
Net Interest Margin	10.85 %	8.4 %	13.3 %
Cost To Income Ratio	70.2 %	157.6 %	32.5 %
Net NPA	0.38 %	n/a	n/a
Building Materials
Cost of Borrowing	10.3 %	12.2 %	9.6 %
NBFC
AUM - NBFC	7038.0 Crs	4088.0 Crs	25904.0 Crs
Tier I Capital	20.89 %	n/a	25.2 %
Unclassified
Yield On Advances	21.2 %	19.6 %	n/a
Average Ticket Size - NBFC	54.2 Ths	n/a	n/a
Financials
5 yr Average ROE	-6.99 %	-3.53 %	11.59 %
5yr average Equity Multiplier	4.63	2.99	4.33
5yr Average Asset Turnover Ratio	0.2	0.2	0.17
5yr Avg Net Profit Margin	-0.35 %	-1.54 %	15.77 %
Price to Book	1.44	1.02	2.98
P/E	0.0	0.0	159.54
5yr Avg Cash Conversion Cycle	1.38 Days	0.0	0.0
Inventory Days	0.0	0.07 Days	0.0
Days Receivable	1.38 Days	0.0	0.0
Days Payable	0.0	1080.91 Days	23.77 Days
5yr Average Interest Coverage Ratio	1.1	0.99	1.61
5yr Avg ROCE	8.94 %	6.93 %	11.98 %
5yr Avg Operating Profit Margin	39.71 %	25.08 %	57.58 %
5 yr average Debt to Equity	3.55	1.97	3.1
5yr CAGR Net Profit	n/a	n/a	31.72 %
5yr Average Return on Assets	-1.04 %	-1.26 %	2.63 %
Shareholdings
Promoter Holding	54.95 %	48.16 %	66.37 %
Share Pledged by Promoters	4.49 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-13.23 %	-14.87 %	-7.37 %
Change in Mutual Fund Holding (3 Yrs)	-2.38 %	0.47 %	0.88 %

Business

	Fusion Finance	Spandana Sphoorty	CreditAccess Grameen
Segment Break-Up	Segment Break-Up Micro Finance 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0 Madhya pradesh 0 Tamil Nadu 0	Location Wise Break-Up Gujarat 2.0 Bihar 12.0 Tamil Nadu 0 Jharkhand 6.0 Chattisgarh 6.0 Odisha 12.0 Kerala 0 Andhra Pradesh 12.0 Madhya Pradesh 14.0 India 0 Karnataka 8.0 Madhya pradesh 0 Maharashtra 8.0 Rajasthan 3.0 Others 17.0	Location Wise Break-Up Gujarat 0 Bihar 0 Tamil Nadu 18.47 Jharkhand 0 Chattisgarh 0 Odisha 0 Kerala 0 Andhra Pradesh 0 Madhya Pradesh 0 India 0 Karnataka 30.5 Madhya Pradesh 8.28 Maharashtra 21.88 Rajasthan 0 Others 20.87
Customer Segment	Customer Segment Rural 94.0 Urban 6.0 Urban/Semi Urban 0	Customer Segment Urban/Semi Urban 14.0 Rural 86.0 Urban 0	-
Borrowings Break-Up	Borrowings Break-Up Private Sector Bank 33.0 Public Sector Bank 22.0 Foreign-Bank 21.0 Non-Banking Financial Institutions 11.0 Development financial Institutions 6.0 Non-Convertible Debentures 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 External commercial borrowings 0 Non-banking financial companies 0 Financial institutions 0 Banks 0 Others 7.0	Borrowings Break-Up Non-Banking Financial Institutions 0 Financial institutions 0 Foreign-Bank 0 Cash credit from bank 0 External commercial borrowings 0 Banks 0 Loan From Banks 60.92 Public Sector Bank 0 Development financial Institutions 0 0 Non-banking financial companies 0 Non-Convertible Debentures 0 Private Sector Bank 0 Others 39.08	Borrowings Break-Up Non-Banking Financial Institutions 0 Financial Services 9.49 Foreign-Bank 0 Cash credit from bank 0 External Commercial Borrowings 22.48 Banking 64.29 Indian rupee loan from banks 0 Public Sector Bank 0 Development financial Institutions 0 0 NBFC 2.45 Non-Convertible Debentures 0 Private Sector Bank 0 Others 1.29

Fusion Finance Ltd.

Fusion Finance Ltd.

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