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	5.2 %	13.4 %	7.48 %
Net NPA	1.4 %	n/a	n/a
NBFC
Cost of Borrowing	8.4 %	8.4 %	8.02 %
Gross NPA	1.8 %	1.55 %	1.22 %
AUM - NBFC	13478.7 Crs	11767.0 Crs	20739.7 Crs
Cost To Income Ratio	34.2 %	n/a	46.3 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	49.6 %	69.2 %	43.2 %
Yield On Advances	13.4 %	17.3 %	13.13 %
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	5.16	3.24	3.0
P/E	31.46	17.89	22.29
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 84.74 Fee & Commission income 4.24 Net gain on derecognition of financial assets carried at fair value 3.06 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 7.96	Product Wise Break-Up Corporate 0 Others 1.09 Retail 0 0 Fees 2.59 Interest Income 90.25 Fee & Commission income 0 Others 6.07	Product Wise Break-Up Corporate 0.4 Net gain on fair value changes 0 Retail 99.6 0 Fees & Commission Income 0 Interest Income 0 Fee & Commission income 0
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 Mortgage loan 0 Loan Against Property 0 Quasi HL 14.0 Insurance Loans 3.0 Business Loan 19.0 Top Up Loans 3.0 Housing Finance 61.0	Loan Break-Up Loan Against Property 13.0 Loan Against Property 0 Quasi HL 0 Insurance Loans 0 Business Loan 0 Top Up Loans 0 Home loans 67.0 Others 20.0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 12.6 Telangana 8.4 Karnataka 6.1 Andhra Pradesh 5.6 India 0 Others 67.3	Location Wise Break-Up Andhra Pradesh 42.58 Telangana 16.33 Tamil Nadu 32.86 India 0 Karnataka 7.63 Others 0.6	Location Wise Break-Up Andhra Pradesh 0 Telangana 0 Tamil Nadu 0 India 100.0 Karnataka 0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Salaried 22.0 Self Employed 78.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Salaried 40.0 Self Employed 0 Corporates and Others 0 Self-Employed 60.0
Borrowings Break-Up	Borrowings Break-Up PSU Banks 36.0 Private Banks 24.0 NHB 16.0 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 2.0	Borrowings Break-Up Assignment 0 Private Banks 0 NHB 13.9 NBFC 0 Co-lending 0 Term Loans 0 NHB Refinancing 0 Banks 51.6 DA 0 NCDs 0 PSU Banks 0 NCD 20.5 Others 14.0	Borrowings Break-Up Assignment 25.0 Private Banks 0 NHB 0 NBFC 0 Co-lending 0 Loan From Banks 49.0 NHB 14.0 Banks 0 DA 0 NCD 11.0 PSU Banks 0 NCD 0 Others 1.0
Ticket Size	Ticket Size >25 Lakhs 14.0 20-25 Lakhs 12.0 10-20 Lakhs 0 <10 Lakhs 0 <10lks 0 Others 74.0	Ticket Size 10-20 Lakhs 0 20-25 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 <10lks 93.0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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