Home First Finance Company India Ltd. benchmarking: Perfomance to industry peers

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banks
Net Interest Margin	5.4 %	13.4 %	7.81 %
Net NPA	1.5 %	n/a	n/a
NBFC
Cost of Borrowing	8.1 %	8.4 %	7.85 %
Gross NPA	1.9 %	1.55 %	1.24 %
AUM - NBFC	14178.1 Crs	11767.0 Crs	21360.0 Crs
Cost To Income Ratio	32.0 %	n/a	43.7 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	48.4 %	69.2 %	46.42 %
Yield On Advances	13.3 %	17.3 %	13.08 %
Financials
5 yr Average ROE	12.24 %	14.98 %	12.54 %
5yr average Equity Multiplier	3.95	2.29	3.96
5yr Average Asset Turnover Ratio	0.12	0.15	0.12
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr CAGR Net Profit	30.71 %	22.99 %	14.53 %
5yr CAGR Sales	25.77 %	22.26 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.98	3.05	2.65
P/E	26.39	16.83	19.16
Shareholdings
Promoter Holding	12.39 %	23.87 %	48.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-21.13 %	-38.34 %	9.8 %
Change in Mutual Fund Holding (3 Yrs)	19.43 %	20.1 %	3.89 %

Business

	Home First Finance	Aptus Value Housing	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 85.71 Fee & Commission income 4.47 Net gain on derecognition of financial assets carried at fair value 4.29 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 5.53	Product Wise Break-Up Interest Income 86.89 Fees 2.78 0 Others 1.14 Fee & Commission income 0 Retail 0 Corporate 0 Others 9.19	Product Wise Break-Up Interest Income 0 Fees & Commission Income 0 0 Net gain on fair value changes 0 Fee & Commission income 0 Retail 99.6 Corporate 0.4
Loan Break-Up	Loan Break-Up Loan Against Property 16.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Home Loan 0 Mortgage loan 0 Others 84.0	Loan Break-Up Top Up Loans 0 Quasi HL 23.0 Business Loan 0 Housing Finance 70.0 Mortgage loan 0 Insurance Loans 4.0 Loan Against Property 0 Others 3.0	Loan Break-Up Top Up Loans 0 Quasi HL 0 Business Loan 0 Home loans 67.0 Loan Against Property 13.0 Insurance Loans 0 Loan Against Property 0 Others 20.0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 12.1 Telangana 8.4 Karnataka 6.0 Andhra Pradesh 5.6 India 0 Others 67.9	Location Wise Break-Up Tamil Nadu 32.06 Karnataka 7.74 Telangana 16.78 Andhra Pradesh 42.69 India 0 Others 0.73	Location Wise Break-Up Tamil Nadu 0 Karnataka 0 Telangana 0 Andhra Pradesh 0 India 100.0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Self Emplyoed 0 Self Employed 79.0 Corporates and Others 0 Salaried 21.0	Customer Segment Self-Employed 61.0 Self Employed 0 Corporates and Others 0 Salaried 39.0
Borrowings Break-Up	Borrowings Break-Up PSU Banks 36.0 Private Banks 24.0 NHB 15.0 DA 15.0 Co-lending 4.0 NCD 2.0 NBFC 1.0 Banks 0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Others 3.0	Borrowings Break-Up NCD 18.7 Co-lending 0 PSU Banks 0 NCDs 0 DA 0 NHB Refinancing 0 NBFC 0 Private Banks 0 Term Loans 0 Banks 55.7 Assignment 0 NHB 13.0 Others 12.6	Borrowings Break-Up NCD 0 Co-lending 0 PSU Banks 0 NCD 10.0 DA 0 NHB 14.0 NBFC 0 Private Banks 0 Loan From Banks 50.0 Banks 0 Assignment 25.0 NHB 0 Others 1.0
Ticket Size	Ticket Size >25 Lakhs 14.0 20-25 Lakhs 13.0 10-20 Lakhs 0 <10 Lakhs 0 <10lks 0 Others 73.0	Ticket Size 20-25 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 10-20 Lakhs 0 <10lks 93.0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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