Indian Railway Finance Corporation Ltd. benchmarking: Perfomance to industry peers

Financial

	Indian Railway Fin.	Power Finance Corp	Muthoot Finance
Operational Metrics
Banks
Net Interest Margin	1.51 %	3.62 %	12.77 %
NBFC
Tier I Capital	672.5 %	19.07 %	19.52 %
Cost To Income Ratio	n/a	n/a	20.0 %
Cost of Borrowing	7.51 %	7.43 %	8.8 %
AUM - NBFC	475451.25 Crs	561209.0 Crs	164720.0 Crs
Unclassified
Capital to Risks Assets Ratio (CRAR)	161.16 %	21.62 %	20.27 %
Financials
5 yr Average ROE	13.27 %	19.37 %	19.57 %
5yr average Equity Multiplier	10.34	10.86	4.1
5yr Average Asset Turnover Ratio	0.05	0.09	0.16
5yr Avg Net Profit Margin	26.4 %	19.71 %	30.28 %
Price to Book	2.3	1.05	3.91
P/E	18.55	5.31	15.98
5yr Avg Cash Conversion Cycle	0.0	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	0.0	n/a	n/a
Days Payable	0.0	n/a	n/a
5yr Average Interest Coverage Ratio	1.36	n/a	n/a
5yr Avg ROCE	5.22 %	n/a	n/a
5yr Avg Operating Profit Margin	99.4 %	n/a	n/a
5 yr average Debt to Equity	8.81	n/a	n/a
5yr CAGR Net Profit	8.04 %	n/a	n/a
5yr Average Return on Assets	1.28 %	n/a	n/a
Shareholdings
Promoter Holding	86.36 %	55.99 %	73.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.4 %	-1.53 %	-1.55 %

	Indian Railway Fin.	Power Finance Corp	Muthoot Finance
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
AUM Break-Up	AUM Break-Up Others 100	-	-
Segment Wise Break-Up	Segment Wise Break-Up Railways 100.0	-	-