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

Financial

	Indian Railway Fin.	Chola Invest & Fin.	Shriram Finance
Operational Metrics
Banks
Net Interest Margin	1.53 %	7.8 %	8.11 %
NBFC
Tier I Capital	672.5 %	14.31 %	20.16 %
Cost To Income Ratio	n/a	n/a	29.29 %
Cost of Borrowing	7.51 %	7.0 %	9.1 %
AUM - NBFC	459802.49 Crs	192148.0 Crs	272249.01 Crs
Unclassified
Capital to Risks Assets Ratio (CRAR)	578.64 %	19.96 %	20.79 %
Financials
5 yr Average ROE	13.27 %	17.64 %	13.54 %
5yr average Equity Multiplier	10.34	7.8	5.42
5yr Average Asset Turnover Ratio	0.05	0.12	0.14
5yr Avg Net Profit Margin	26.4 %	18.43 %	18.42 %
Price to Book	2.86	6.13	2.47
P/E	23.54	32.56	15.19
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 %	49.88 %	25.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-1.62 %	-3.98 %
Change in Mutual Fund Holding (3 Yrs)	-1.86 %	-5.15 %	5.23 %

	Indian Railway Fin.	Chola Invest & Fin.	Shriram Finance
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up West India 21.0 North India 23.0 Rest of the World 0 South India 32.0 India 0 East India 24.0	Location Wise Break-Up West India 0 North India 0 Rest of the World 0 South India 0 India 100.0 East India 0
AUM Break-Up	AUM Break-Up Others 100	-	-
Segment Wise Break-Up	Segment Wise Break-Up Railways 100.0	-	-